Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,634 a year for full coverage. Comprehensive costs approximately $332, collision costs $582, and liability costs $520. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing around $3,528. 16-year-old drivers pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities.

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

These rate differences show why anyone shopping for car insurance should compare rates using their specific location, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $949
• Drivers who choose higher $1,000 deductibles will pay $208 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,634
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,036
• Higher-risk drivers with multiple tickets or accidents could pay around $3,528 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $6,168 a year

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

If you have a few violations or you caused an accident, you could be paying anywhere from $1,900 to $2,700 additional annually, depending on your age. High-risk driver insurance can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Iowa, Maine, and Idaho, or at least $2,330 on average in New York, Louisiana, and Michigan.

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Opting for high physical damage deductibles could save up to $610 every 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 cost up to $468 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Every company utilizes a different rate formula, and 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 Cheap Dodge Charger Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop every year by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a brief summary of the coverage data covered above.

• Drivers can save around $190 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $600 each year
• Youthful drivers are the costliest to insure, as much as $514 per month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,890 more per year than a low-risk driver