Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,634 a year including full coverage. Comprehensive insurance costs an estimated $332, collision costs $582, and liability coverage costs around $520. Liability-only coverage costs as low as $592 a year, with high-risk coverage costing $3,528 or more. Teenage drivers pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than using average rates.

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

Additional Rate Information

The chart below breaks down estimated Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $949
• Using higher $1,000 deductibles will save approximately $208 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,634
• Using more expensive low deductibles for physical damage coverage will cost an additional $402 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,528 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $6,168 or more

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Insurance prices for a Dodge Charger also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,900 to $2,700 extra annually, depending on your age. High-risk driver insurance can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,250 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,330 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles could cut prices by as much as $610 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

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 Cheaper Dodge Charger Insurance

Finding better rates on auto insurance requires being a low-risk driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Compare prices every couple of years by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a condensed summary of the material that was covered above.

• Consumers who want more liability coverage will pay an extra $570 per year to increase from 30/60 bodily injury limits to the 250/500 level
• Teen drivers are charged the highest prices, with the cost nearing $514 per month if full coverage is included
• Drivers with multiple at-fault accidents could be charged and average of $1,890 more annually to insure their Charger
• Increasing policy deductibles can save approximately $600 each year