Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,634 annually with full coverage. Comprehensive insurance costs an estimated $332 each year, collision costs $582, and liability costs around $520. A policy with only liability insurance costs as low as $592 a year, with a high-risk policy costing $3,528 or more. Teens pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change insurance prices.

These rate differences demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below details estimated Dodge Charger insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $949
• Using higher $1,000 deductibles will save approximately $208 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,634
• Selecting low deductibles for physical damage coverage costs an additional $402 every year
• Drivers with serious driving violations could pay up to $3,528 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $6,168 or more

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Car insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driving record, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,900 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $610 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,200 on average in New York, Michigan, and Florida.

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With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, so rate quotes will be substantially different between companies.

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 Buy Low Cost Dodge Charger Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to shop around at every policy renewal by requesting quotes from direct companies, and also from several local insurance agents.

Below is a review of the data illustrated above.

• Policyholders who want higher levels of liability will pay approximately $570 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save approximately $190 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $600 each year
• Teenage drivers have the highest car insurance prices, possibly costing $514 per month if comprehensive and collision insurance is included