Dodge Charger Insurance Rates
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UPDATED: Jun 8, 2024
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Average insurance rates for a Dodge Charger are $1,638 a year with full coverage. Comprehensive insurance costs around $344 each year, collision costs $596, and liability costs around $498. Buying just liability costs as low as $574 a year, with insurance for high-risk drivers costing $3,532 or more. 16-year-old drivers receive the highest rates at $6,142 a year or more.
Average premium for full coverage: $1,638
Rate estimates for individual coverage type:
These estimates include $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Charger models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $574 for a discount liability-only rate to a high rate of $3,532 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than congested cities.
The graphic below illustrates how location helps determine auto insurance rates.
These examples demonstrate why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details estimated Dodge Charger insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $953
- Using higher $1,000 deductibles will save about $214 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,638
- Buying low deductibles for physical damage coverage will cost an extra $414 annually
- High-risk insureds with multiple tickets or accidents could pay at least $3,532 or more
- The cost for full coverage for a 16-year-old driver can be $6,142 or more
Auto insurance rates for a Dodge Charger can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may pay as low as $1,500 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $6,100 a year. View Rates by Age
Where you live has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see rates as low as $1,180 a year in states like New Hampshire, Ohio, and Utah, or at least $2,210 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,480 | -$158 | -9.6% |
| Alaska | $1,254 | -$384 | -23.4% |
| Arizona | $1,358 | -$280 | -17.1% |
| Arkansas | $1,638 | -$0 | 0.0% |
| California | $1,866 | $228 | 13.9% |
| Colorado | $1,564 | -$74 | -4.5% |
| Connecticut | $1,682 | $44 | 2.7% |
| Delaware | $1,854 | $216 | 13.2% |
| Florida | $2,044 | $406 | 24.8% |
| Georgia | $1,510 | -$128 | -7.8% |
| Hawaii | $1,176 | -$462 | -28.2% |
| Idaho | $1,112 | -$526 | -32.1% |
| Illinois | $1,220 | -$418 | -25.5% |
| Indiana | $1,236 | -$402 | -24.5% |
| Iowa | $1,106 | -$532 | -32.5% |
| Kansas | $1,554 | -$84 | -5.1% |
| Kentucky | $2,234 | $596 | 36.4% |
| Louisiana | $2,424 | $786 | 48.0% |
| Maine | $1,012 | -$626 | -38.2% |
| Maryland | $1,352 | -$286 | -17.5% |
| Massachusetts | $1,308 | -$330 | -20.1% |
| Michigan | $2,844 | $1,206 | 73.6% |
| Minnesota | $1,370 | -$268 | -16.4% |
| Mississippi | $1,960 | $322 | 19.7% |
| Missouri | $1,454 | -$184 | -11.2% |
| Montana | $1,760 | $122 | 7.4% |
| Nebraska | $1,290 | -$348 | -21.2% |
| Nevada | $1,962 | $324 | 19.8% |
| New Hampshire | $1,180 | -$458 | -28.0% |
| New Jersey | $1,828 | $190 | 11.6% |
| New Mexico | $1,450 | -$188 | -11.5% |
| New York | $1,722 | $84 | 5.1% |
| North Carolina | $942 | -$696 | -42.5% |
| North Dakota | $1,342 | -$296 | -18.1% |
| Ohio | $1,132 | -$506 | -30.9% |
| Oklahoma | $1,682 | $44 | 2.7% |
| Oregon | $1,500 | -$138 | -8.4% |
| Pennsylvania | $1,562 | -$76 | -4.6% |
| Rhode Island | $2,184 | $546 | 33.3% |
| South Carolina | $1,484 | -$154 | -9.4% |
| South Dakota | $1,380 | -$258 | -15.8% |
| Tennessee | $1,434 | -$204 | -12.5% |
| Texas | $1,972 | $334 | 20.4% |
| Utah | $1,212 | -$426 | -26.0% |
| Vermont | $1,120 | -$518 | -31.6% |
| Virginia | $980 | -$658 | -40.2% |
| Washington | $1,264 | -$374 | -22.8% |
| West Virginia | $1,500 | -$138 | -8.4% |
| Wisconsin | $1,132 | -$506 | -30.9% |
| Wyoming | $1,458 | -$180 | -11.0% |
Opting for high physical damage deductibles could cut rates by as much as $630 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $448 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,900 to $2,700 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,596 | $133 |
| Dodge Charger | $1,596 | $133 |
| Dodge Charger 3.5 AWD | $1,638 | $137 |
| Dodge Charger AWD | $1,638 | $137 |
| Dodge Charger Rallye | $1,638 | $137 |
| Dodge Charger SXT | $1,638 | $137 |
| Dodge Charger SXT AWD | $1,638 | $137 |
| Dodge Charger R/T | $1,680 | $140 |
| Dodge Charger Rallye AWD | $1,680 | $140 |
| Dodge Charger R/T AWD | $1,724 | $144 |
| Dodge Charger SRT-8 | $1,766 | $147 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $358 | $600 | $488 | $1,646 |
| 2022 Dodge Charger | $344 | $596 | $498 | $1,638 |
| 2021 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2020 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2019 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2018 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2017 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2016 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2015 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2014 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2013 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2012 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2011 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2010 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2009 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2008 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2007 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2006 Dodge Charger | $176 | $198 | $564 | $1,138 |
Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Dodge Charger Insurance
Saving money on insurance for a Dodge Charger requires having a good driving record, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every policy renewal by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The next list is a brief summary of the data covered in the charts and tables above.
- Insureds who may need increased levels of liability coverage will pay around $550 every year to increase from a minimum limit to 250/500 limits
- You may be able to save up to $190 per year simply by quoting online in advance
- Increasing deductibles can save around $625 each year
- Drivers age 20 and younger are expensive to insure, with premiums as much as $512 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,142 |
| 20 | $3,768 |
| 30 | $1,702 |
| 40 | $1,638 |
| 50 | $1,494 |
| 60 | $1,464 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,052 |
| $250 | $1,862 |
| $500 | $1,638 |
| $1,000 | $1,424 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,638 |
| 50/100 | $1,866 |
| 100/300 | $1,990 |
| 250/500 | $2,314 |
| 100 CSL | $1,915 |
| 300 CSL | $2,189 |
| 500 CSL | $2,389 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,746 |
| 20 | $5,988 |
| 30 | $3,606 |
| 40 | $3,532 |
| 50 | $3,370 |
| 60 | $3,338 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $73 |
| Advance Quote | $79 |
| Online Quote | $115 |
| Total Discounts | $685 |
Discounts are estimated and may not be available from every company or in every state.
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