Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive insurance costs approximately $332 each year, collision costs $582, and liability costs around $520. Buying just liability costs as low as $592 a year, with insurance for high-risk drivers costing $3,528 or more. 16-year-old drivers cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how where you live affects auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location and risk profile, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $949
• Using higher $1,000 deductibles will save $208 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,634
• Buying low deductibles for physical damage coverage will cost an extra $402 every year
• Drivers with multiple tickets or accidents could pay around $3,528 or more
• Policy cost for full coverage for a teen driver can cost $6,168 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as little 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 North Carolina, Wisconsin, and Vermont, or at least $2,200 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $610 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $468 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 are probably paying anywhere from $1,900 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. 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 Cheap Dodge Charger Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief summary of the concepts that were touched on in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,890 more per year for car insurance
• Teenagers are expensive to insure, possibly costing $514 each month for full coverage
• It is possible to save around $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $600 each year
• It is possible to save around $190 per year simply by quoting online in advance