Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive costs around $332 a year, collision insurance costs $582, and liability coverage costs $520. Liability-only insurance costs as little as $592 a year, and high-risk driver insurance costs around $3,528. Teenage drivers cost the most to insure at up to $6,168 a year.

Average premium for full coverage: $1,634

Policy rates for type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why it is important to compare rates for a specific zip code, rather than using average rates.

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

Additional Rate Analysis

The chart below details average Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay about $1,426 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,634
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,036
• High-risk insureds who are prone to accidents and violations could pay at least $3,528
• Policy cost that insures a teenage driver can be $6,168 a year

View Chart as Image

Auto insurance rates for a Dodge Charger also range considerably based on the trim level of your Charger, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,900 to $2,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $6,100 a year. View Rates by Age

Your home state makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,200 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $610 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

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 the Cheapest Dodge Charger Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare prices at least every other year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The points below are a recap of the car insurance concepts covered in the charts and tables above.

• Drivers that have major violations or accidents may pay on average $1,890 more every year to insure a Dodge Charger
• You may be able to save up to $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Consumers who may need increased liability limits will pay an extra $570 every year to go from a 30/60 limit to the 250/500 level