Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive insurance costs on average $320, collision costs $558, and liability is $536. Liability-only insurance costs around $606 a year, with high-risk driver insurance costing $3,488 or more. 16-year-old drivers pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Charger trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities.

The price range example below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using rate averages.

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

Additional Rate Information

The chart below details estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $940
• Raising to $1,000 deductibles will save around $200 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,614
• Buying more expensive low deductibles will cost an extra $386 every year
• At-risk drivers with multiple tickets or accidents could pay upwards of $3,488 or more
• The price for full coverage for a teen driver with full coverage may cost $6,134

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Car insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $6,100 a year. View Rates by Age

The state you live in also has a big influence on Dodge Charger insurance prices. A middle-age driver might find prices as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or at least $2,180 on average in Florida, Michigan, and New York.

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Opting for high physical damage deductibles can reduce prices by up to $590 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 132% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.

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 Right Dodge Charger Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

Below you'll find a quick rundown of the information covered in the charts and tables above.

• You may be able to save as much as $190 per year simply by shopping early and online
• Youthful drivers are expensive to insure, costing up to $511 a month if full coverage is included
• Increasing physical damage deductibles can save around $575 each year
• Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,870 more each year than a low-risk driver
• Policyholders who require more liability protection will pay around $590 every year to raise from a low limit to 250/500 limits