Dodge Charger Insurance Rates
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UPDATED: Jun 8, 2024
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Average auto insurance rates for a Dodge Charger are $1,634 annually for full coverage insurance. Comprehensive insurance costs an estimated $332 each year, collision costs $582, and liability insurance is $520. A policy with just liability insurance costs around $592 a year, with coverage for high-risk drivers costing $3,528 or more. Teenage drivers receive the highest rates at $6,168 a year or more.
Average premium for full coverage: $1,634
Rate estimates broken down by individual coverage type:
Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Charger models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $592 for basic liability insurance to a high rate of $3,528 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.
The graphic below illustrates how location impacts insurance prices.
These examples illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.
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.
Rate Comparisons
The chart below illustrates estimated Dodge Charger insurance rates for other coverage scenarios.
- The best discount rate is $949
- Raising to $1,000 deductibles will save approximately $208 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,634
- Using low deductibles costs an additional $402 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,528 or more
- The cost with full coverage for a teen driver can cost as much as $6,168
Insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your risk profile, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $6,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,900 to $2,700 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $610 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,200 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,476 | -$158 | -9.7% |
Alaska | $1,250 | -$384 | -23.5% |
Arizona | $1,354 | -$280 | -17.1% |
Arkansas | $1,634 | -$0 | 0.0% |
California | $1,860 | $226 | 13.8% |
Colorado | $1,560 | -$74 | -4.5% |
Connecticut | $1,678 | $44 | 2.7% |
Delaware | $1,848 | $214 | 13.1% |
Florida | $2,040 | $406 | 24.8% |
Georgia | $1,508 | -$126 | -7.7% |
Hawaii | $1,172 | -$462 | -28.3% |
Idaho | $1,108 | -$526 | -32.2% |
Illinois | $1,218 | -$416 | -25.5% |
Indiana | $1,230 | -$404 | -24.7% |
Iowa | $1,104 | -$530 | -32.4% |
Kansas | $1,550 | -$84 | -5.1% |
Kentucky | $2,228 | $594 | 36.4% |
Louisiana | $2,418 | $784 | 48.0% |
Maine | $1,008 | -$626 | -38.3% |
Maryland | $1,348 | -$286 | -17.5% |
Massachusetts | $1,304 | -$330 | -20.2% |
Michigan | $2,836 | $1,202 | 73.6% |
Minnesota | $1,366 | -$268 | -16.4% |
Mississippi | $1,956 | $322 | 19.7% |
Missouri | $1,450 | -$184 | -11.3% |
Montana | $1,756 | $122 | 7.5% |
Nebraska | $1,286 | -$348 | -21.3% |
Nevada | $1,958 | $324 | 19.8% |
New Hampshire | $1,176 | -$458 | -28.0% |
New Jersey | $1,826 | $192 | 11.8% |
New Mexico | $1,446 | -$188 | -11.5% |
New York | $1,718 | $84 | 5.1% |
North Carolina | $940 | -$694 | -42.5% |
North Dakota | $1,338 | -$296 | -18.1% |
Ohio | $1,128 | -$506 | -31.0% |
Oklahoma | $1,676 | $42 | 2.6% |
Oregon | $1,494 | -$140 | -8.6% |
Pennsylvania | $1,558 | -$76 | -4.7% |
Rhode Island | $2,180 | $546 | 33.4% |
South Carolina | $1,480 | -$154 | -9.4% |
South Dakota | $1,376 | -$258 | -15.8% |
Tennessee | $1,430 | -$204 | -12.5% |
Texas | $1,966 | $332 | 20.3% |
Utah | $1,208 | -$426 | -26.1% |
Vermont | $1,118 | -$516 | -31.6% |
Virginia | $978 | -$656 | -40.1% |
Washington | $1,260 | -$374 | -22.9% |
West Virginia | $1,496 | -$138 | -8.4% |
Wisconsin | $1,130 | -$504 | -30.8% |
Wyoming | $1,456 | -$178 | -10.9% |
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Dodge Charger 3.5 | $1,592 | $133 |
Dodge Charger | $1,592 | $133 |
Dodge Charger 3.5 AWD | $1,634 | $136 |
Dodge Charger AWD | $1,634 | $136 |
Dodge Charger Rallye | $1,634 | $136 |
Dodge Charger SXT | $1,634 | $136 |
Dodge Charger SXT AWD | $1,634 | $136 |
Dodge Charger R/T | $1,674 | $140 |
Dodge Charger Rallye AWD | $1,674 | $140 |
Dodge Charger R/T AWD | $1,716 | $143 |
Dodge Charger SRT-8 | $1,756 | $146 |
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 | $344 | $596 | $498 | $1,638 |
2022 Dodge Charger | $332 | $582 | $520 | $1,634 |
2021 Dodge Charger | $320 | $558 | $536 | $1,614 |
2020 Dodge Charger | $304 | $538 | $554 | $1,596 |
2019 Dodge Charger | $292 | $500 | $564 | $1,556 |
2018 Dodge Charger | $280 | $470 | $570 | $1,520 |
2017 Dodge Charger | $268 | $422 | $574 | $1,464 |
2016 Dodge Charger | $250 | $388 | $574 | $1,412 |
2015 Dodge Charger | $242 | $364 | $580 | $1,386 |
2014 Dodge Charger | $236 | $340 | $592 | $1,368 |
2013 Dodge Charger | $218 | $316 | $592 | $1,326 |
2012 Dodge Charger | $212 | $286 | $596 | $1,294 |
2011 Dodge Charger | $198 | $262 | $592 | $1,252 |
2010 Dodge Charger | $186 | $238 | $592 | $1,216 |
2009 Dodge Charger | $180 | $214 | $586 | $1,180 |
2008 Dodge Charger | $178 | $208 | $574 | $1,160 |
2007 Dodge Charger | $176 | $198 | $564 | $1,138 |
2006 Dodge Charger | $160 | $190 | $558 | $1,108 |
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 Buy the Right Dodge Charger Insurance
Saving money on Dodge Charger insurance consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every time your policy renews by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a quick rundown of the information touched on above.
- It is possible to save approximately $190 per year simply by quoting online in advance
- 16 to 18-year-old drivers are expensive to insure, costing up to $514 per month if they have full coverage
- Increasing deductibles could save up to $600 each year
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,890 more annually than a driver with a clean driving record
- Drivers who want additional liability coverage will pay an extra $570 annually to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $6,168 |
20 | $3,764 |
30 | $1,696 |
40 | $1,634 |
50 | $1,492 |
60 | $1,462 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $2,036 |
$250 | $1,852 |
$500 | $1,634 |
$1,000 | $1,426 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,634 |
50/100 | $1,860 |
100/300 | $1,990 |
250/500 | $2,328 |
100 CSL | $1,912 |
300 CSL | $2,198 |
500 CSL | $2,406 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $8,784 |
20 | $5,988 |
30 | $3,598 |
40 | $3,528 |
50 | $3,368 |
60 | $3,334 |
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 | $86 |
Homeowner | $25 |
5-yr Accident Free | $117 |
5-yr Claim Free | $105 |
Paid in Full/EFT | $72 |
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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