Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive insurance costs on average $320 each year, collision insurance costs $558, and liability coverage costs $536. Liability-only coverage costs as little as $606 a year, and high-risk coverage costs $3,488 or more. 16-year-old drivers pay the most at up to $6,134 a year.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences show why all drivers should compare rates based on a specific location, rather than using rate averages.

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

Additional Rate Analysis

The chart below shows average Dodge Charger insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $940
• Drivers who choose higher $1,000 deductibles will pay around $200 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,614
• Buying low deductibles for comprehensive and collision insurance will cost an additional $386 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,488
• An auto insurance policy that insures a teenage driver may cost $6,134 a year

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Insurance prices for a Dodge Charger also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean 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. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Idaho, Maine, and Iowa, or at least $2,300 on average in Michigan, Louisiana, and New York.

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Opting for high physical damage deductibles could save up to $590 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 more per 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 Best Dodge Charger Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and determing if full coverage is necessary. Comparison shop every time your policy renews by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following is a brief recap of the information covered in the above illustrations.

• Drivers can save as much as $190 per year just by quoting online in advance
• Teens pay the highest prices, as much as $511 per month if full coverage is included
• Increasing policy deductibles can save approximately $575 each year
• Drivers who tend to receive serious violations may pay on average $1,870 more each year for Charger insurance
• Consumers who require higher liability limits will pay around $590 each year to go from 30/60 bodily injury limits to the 250/500 level