Dodge Charger Insurance Rates
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UPDATED: Jun 8, 2024
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Average insurance prices for a Dodge Charger are $1,638 every 12 months with full coverage. Comprehensive costs on average $344, collision insurance costs $596, and liability is estimated at $498. A liability-only policy costs approximately $574 a year, and high-risk insurance costs around $3,532. 16-year-old drivers receive the highest rates at up to $6,142 a year.
Average premium for full coverage: $1,638
Rate estimates by individual coverage type:
Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Charger trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the cheapest price of $574 for just the minimum liability insurance to a much higher rate of $3,532 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities. The price range example below illustrates how location impacts car insurance rates.
These examples demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using rate averages.
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 Rate Analysis
The chart below details average Dodge Charger insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $953
- Choosing higher $1,000 deductibles can save around $214 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,638
- Buying more expensive low deductibles for comp and collision coverage increases the price to $2,052
- Unlucky drivers with multiple tickets or accidents could pay upwards of $3,532
- The cost to insure a teen driver with full coverage may cost $6,142 each year
Insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Charger.
Opting for high physical damage deductibles can save as much as $630 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $448 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,900 to $2,700 extra per year, depending on your age. High-risk driver insurance ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,180 a year in states like New Hampshire, Ohio, and Utah, or at least $2,210 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,480 | -$158 | -9.6% |
| Alaska | $1,254 | -$384 | -23.4% |
| Arizona | $1,358 | -$280 | -17.1% |
| Arkansas | $1,638 | -$0 | 0.0% |
| California | $1,866 | $228 | 13.9% |
| Colorado | $1,564 | -$74 | -4.5% |
| Connecticut | $1,682 | $44 | 2.7% |
| Delaware | $1,854 | $216 | 13.2% |
| Florida | $2,044 | $406 | 24.8% |
| Georgia | $1,510 | -$128 | -7.8% |
| Hawaii | $1,176 | -$462 | -28.2% |
| Idaho | $1,112 | -$526 | -32.1% |
| Illinois | $1,220 | -$418 | -25.5% |
| Indiana | $1,236 | -$402 | -24.5% |
| Iowa | $1,106 | -$532 | -32.5% |
| Kansas | $1,554 | -$84 | -5.1% |
| Kentucky | $2,234 | $596 | 36.4% |
| Louisiana | $2,424 | $786 | 48.0% |
| Maine | $1,012 | -$626 | -38.2% |
| Maryland | $1,352 | -$286 | -17.5% |
| Massachusetts | $1,308 | -$330 | -20.1% |
| Michigan | $2,844 | $1,206 | 73.6% |
| Minnesota | $1,370 | -$268 | -16.4% |
| Mississippi | $1,960 | $322 | 19.7% |
| Missouri | $1,454 | -$184 | -11.2% |
| Montana | $1,760 | $122 | 7.4% |
| Nebraska | $1,290 | -$348 | -21.2% |
| Nevada | $1,962 | $324 | 19.8% |
| New Hampshire | $1,180 | -$458 | -28.0% |
| New Jersey | $1,828 | $190 | 11.6% |
| New Mexico | $1,450 | -$188 | -11.5% |
| New York | $1,722 | $84 | 5.1% |
| North Carolina | $942 | -$696 | -42.5% |
| North Dakota | $1,342 | -$296 | -18.1% |
| Ohio | $1,132 | -$506 | -30.9% |
| Oklahoma | $1,682 | $44 | 2.7% |
| Oregon | $1,500 | -$138 | -8.4% |
| Pennsylvania | $1,562 | -$76 | -4.6% |
| Rhode Island | $2,184 | $546 | 33.3% |
| South Carolina | $1,484 | -$154 | -9.4% |
| South Dakota | $1,380 | -$258 | -15.8% |
| Tennessee | $1,434 | -$204 | -12.5% |
| Texas | $1,972 | $334 | 20.4% |
| Utah | $1,212 | -$426 | -26.0% |
| Vermont | $1,120 | -$518 | -31.6% |
| Virginia | $980 | -$658 | -40.2% |
| Washington | $1,264 | -$374 | -22.8% |
| West Virginia | $1,500 | -$138 | -8.4% |
| Wisconsin | $1,132 | -$506 | -30.9% |
| Wyoming | $1,458 | -$180 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,596 | $133 |
| Dodge Charger | $1,596 | $133 |
| Dodge Charger 3.5 AWD | $1,638 | $137 |
| Dodge Charger AWD | $1,638 | $137 |
| Dodge Charger Rallye | $1,638 | $137 |
| Dodge Charger SXT | $1,638 | $137 |
| Dodge Charger SXT AWD | $1,638 | $137 |
| Dodge Charger R/T | $1,680 | $140 |
| Dodge Charger Rallye AWD | $1,680 | $140 |
| Dodge Charger R/T AWD | $1,724 | $144 |
| Dodge Charger SRT-8 | $1,766 | $147 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $358 | $600 | $488 | $1,646 |
| 2022 Dodge Charger | $344 | $596 | $498 | $1,638 |
| 2021 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2020 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2019 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2018 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2017 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2016 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2015 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2014 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2013 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2012 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2011 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2010 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2009 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2008 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2007 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2006 Dodge Charger | $176 | $198 | $564 | $1,138 |
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 Cheaper Dodge Charger Insurance
Saving money on car insurance takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around at least once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a condensed summary of the primary concepts that were touched on above.
- You may be able to save as much as $190 per year just by shopping early and online
- Higher risk drivers with multiple at-fault accidents may pay on average $1,890 more each year for auto insurance
- Increasing deductibles could save as much as $625 each year
- Teenage drivers pay the highest rates, with premiums as much as $512 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,142 |
| 20 | $3,768 |
| 30 | $1,702 |
| 40 | $1,638 |
| 50 | $1,494 |
| 60 | $1,464 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,052 |
| $250 | $1,862 |
| $500 | $1,638 |
| $1,000 | $1,424 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,638 |
| 50/100 | $1,866 |
| 100/300 | $1,990 |
| 250/500 | $2,314 |
| 100 CSL | $1,915 |
| 300 CSL | $2,189 |
| 500 CSL | $2,389 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,746 |
| 20 | $5,988 |
| 30 | $3,606 |
| 40 | $3,532 |
| 50 | $3,370 |
| 60 | $3,338 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $73 |
| Advance Quote | $79 |
| Online Quote | $115 |
| Total Discounts | $685 |
Discounts are estimated and may not be available from every company or in every state.
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