Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive insurance costs approximately $320, collision costs $558, and liability costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing $3,488 or more. 16-year-old drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Charger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities.

The example below illustrates how location helps determine auto insurance prices.

The examples above show why everyone should compare prices using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below shows estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $940
• Using higher $1,000 deductibles will save $200 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,614
• Buying pricier low deductibles for physical damage coverage will cost an extra $386 annually
• High-risk insureds with multiple tickets or accidents could pay around $3,488 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $6,134 or more

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on your risk profile, the trim level of your Charger, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Iowa, Maine, and Idaho, or at least $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $590 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 extra every year, depending on your age. Dodge Charger insurance for high-risk drivers can be from 42% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates will be varied 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 Affordable Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger requires having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,870 more per year to buy Dodge Charger insurance
• Drivers can save around $190 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $575 each year
• Insureds who purchase increased levels of liability coverage will pay around $590 each year to increase from a 30/60 limit to 250/500 limits