Dodge Charger Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest 2009 Dodge Charger Insurance Rates in 2025

Trying to find the cheapest car insurance rates for your Dodge Charger? Finding affordable car insurance is difficult for consumers not familiar with comparing rates online. Drivers have so many companies to choose from that it can turn into a challenge to find the best price. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. The p...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average insurance prices for a Dodge Charger are $1,634 every 12 months including full coverage. Comprehensive insurance costs an estimated $332, collision costs $582, and liability 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 highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates broken down by individual coverage:

Comprehensive $332
Collision $582
Liability $520

Prices include $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range from Low to High

For a driver in their 40's, Dodge Charger insurance prices go from the cheapest price of $592 for liability-only coverage to a much higher rate of $3,528 for a driver that may need high-risk insurance.

Liability Only $592
Full Coverage $1,634
High Risk $3,528

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities.

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

Rural Areas $1,226
Small Cities $1,716
Large Cities $2,206

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

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 average price for the average middle-age driver who has $500 deductibles is $1,634
  • Using more expensive low deductibles for physical damage coverage costs an extra $402 annually
  • High-risk insureds who are prone to accidents and violations could pay up to $3,528 or more
  • The price to insure a 16-year-old driver with full coverage can cost as much as $6,168 or more

View Chart as Image

Dodge Charger insurance cost comparison chart
Column chart showing full coverage Dodge Charger insurance prices range from $949 to $6,168

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

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

An older driver with a good driving record and higher deductibles may pay as low as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,900 to $2,700 in extra premium each year, depending on your age. High-risk driver insurance can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Dodge Charger insurance prices. 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.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,476 -$158 -9.7%
Alaska $1,250 -$384 -23.5%
Arizona $1,354 -$280 -17.1%
Arkansas $1,634 -$0 0.0%
California $1,860 $226 13.8%
Colorado $1,560 -$74 -4.5%
Connecticut $1,678 $44 2.7%
Delaware $1,848 $214 13.1%
Florida $2,040 $406 24.8%
Georgia $1,508 -$126 -7.7%
Hawaii $1,172 -$462 -28.3%
Idaho $1,108 -$526 -32.2%
Illinois $1,218 -$416 -25.5%
Indiana $1,230 -$404 -24.7%
Iowa $1,104 -$530 -32.4%
Kansas $1,550 -$84 -5.1%
Kentucky $2,228 $594 36.4%
Louisiana $2,418 $784 48.0%
Maine $1,008 -$626 -38.3%
Maryland $1,348 -$286 -17.5%
Massachusetts $1,304 -$330 -20.2%
Michigan $2,836 $1,202 73.6%
Minnesota $1,366 -$268 -16.4%
Mississippi $1,956 $322 19.7%
Missouri $1,450 -$184 -11.3%
Montana $1,756 $122 7.5%
Nebraska $1,286 -$348 -21.3%
Nevada $1,958 $324 19.8%
New Hampshire $1,176 -$458 -28.0%
New Jersey $1,826 $192 11.8%
New Mexico $1,446 -$188 -11.5%
New York $1,718 $84 5.1%
North Carolina $940 -$694 -42.5%
North Dakota $1,338 -$296 -18.1%
Ohio $1,128 -$506 -31.0%
Oklahoma $1,676 $42 2.6%
Oregon $1,494 -$140 -8.6%
Pennsylvania $1,558 -$76 -4.7%
Rhode Island $2,180 $546 33.4%
South Carolina $1,480 -$154 -9.4%
South Dakota $1,376 -$258 -15.8%
Tennessee $1,430 -$204 -12.5%
Texas $1,966 $332 20.3%
Utah $1,208 -$426 -26.1%
Vermont $1,118 -$516 -31.6%
Virginia $978 -$656 -40.1%
Washington $1,260 -$374 -22.9%
West Virginia $1,496 -$138 -8.4%
Wisconsin $1,130 -$504 -30.8%
Wyoming $1,456 -$178 -10.9%

View Chart as Image

Dodge Charger insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Dodge Charger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Charger 3.5 $1,592 $133
Dodge Charger $1,592 $133
Dodge Charger 3.5 AWD $1,634 $136
Dodge Charger AWD $1,634 $136
Dodge Charger Rallye $1,634 $136
Dodge Charger SXT $1,634 $136
Dodge Charger SXT AWD $1,634 $136
Dodge Charger R/T $1,674 $140
Dodge Charger Rallye AWD $1,674 $140
Dodge Charger R/T AWD $1,716 $143
Dodge Charger SRT-8 $1,756 $146

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.

Dodge Charger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Dodge Charger $344 $596 $498 $1,638
2022 Dodge Charger $332 $582 $520 $1,634
2021 Dodge Charger $320 $558 $536 $1,614
2020 Dodge Charger $304 $538 $554 $1,596
2019 Dodge Charger $292 $500 $564 $1,556
2018 Dodge Charger $280 $470 $570 $1,520
2017 Dodge Charger $268 $422 $574 $1,464
2016 Dodge Charger $250 $388 $574 $1,412
2015 Dodge Charger $242 $364 $580 $1,386
2014 Dodge Charger $236 $340 $592 $1,368
2013 Dodge Charger $218 $316 $592 $1,326
2012 Dodge Charger $212 $286 $596 $1,294
2011 Dodge Charger $198 $262 $592 $1,252
2010 Dodge Charger $186 $238 $592 $1,216
2009 Dodge Charger $180 $214 $586 $1,180
2008 Dodge Charger $178 $208 $574 $1,160
2007 Dodge Charger $176 $198 $564 $1,138
2006 Dodge Charger $160 $190 $558 $1,108

Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Right Dodge Charger Insurance

Getting lower rates on insurance for a Dodge Charger requires having a good driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest time comparing rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a quick rundown of the data that was covered in the charts and tables above.

  • You may be able to save approximately $190 per year simply by shopping early and online
  • Insureds who want increased levels of liability coverage will pay an extra $570 per year to increase from a low limit to a 250/500 level
  • Drivers age 20 and younger are the costliest to insure, possibly costing $514 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,890 more annually to buy Dodge Charger insurance

Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,168
20 $3,764
30 $1,696
40 $1,634
50 $1,492
60 $1,462

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,036
$250 $1,852
$500 $1,634
$1,000 $1,426

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,634
50/100 $1,860
100/300 $1,990
250/500 $2,328
100 CSL $1,912
300 CSL $2,198
500 CSL $2,406

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,784
20 $5,988
30 $3,598
40 $3,528
50 $3,368
60 $3,334

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $226

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $86
Multi-vehicle $86
Homeowner $25
5-yr Accident Free $117
5-yr Claim Free $105
Paid in Full/EFT $72
Advance Quote $79
Online Quote $115
Total Discounts $685
Rate after discounts $949

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles