Dodge Charger Insurance Rates

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

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.

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

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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.

View Chart as Image

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

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 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