Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $558, and liability coverage costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers costs $3,488 or more. Teens pay the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different Charger trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates using their specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay $200 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,614
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $386 each year
• High-risk insureds with serious driving violations could pay around $3,488
• The price that insures a teenage driver with full coverage can cost $6,134 a year

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Insurance prices for a Dodge Charger are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,900 to $2,600 additional each year, depending on your age. High-risk driver insurance can cost around 42% to 132% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,300 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could save up to $590 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2022 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Cheap Dodge Charger Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Compare rates at every policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below is a quick review of the data raised in the charts and tables above.

• Consumers who purchase higher levels of liability will pay approximately $590 each year to go from a low limit to the 250/500 level
• Drivers can save around $190 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $575 each year
• Teenage drivers are the costliest to insure, with premiums as much as $511 a month if comprehensive and collision insurance is included