Dodge Charger Insurance Rates

U.S. average insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage. Comprehensive insurance costs an estimated $332 a year, collision costs $582, and liability is estimated at $520. Liability-only insurance costs approximately $592 a year, with high-risk driver insurance costing $3,528 or more. Teenage drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have more infrequent accident claims than densely populated cities.

The diagram below illustrates how where you live affects insurance prices.

The ranges above show why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $949
• Choosing higher $1,000 deductibles can save approximately $1,426 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,634
• Using low $100 deductibles for comp and collision coverage costs an extra $402 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,528 or more
• The price to insure a 16-year-old driver can cost as much as $6,168 each year

View Chart as Image

Car insurance prices for a Dodge Charger are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $610 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,900 to $2,700 extra each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,330 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.

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 Shop for Cheaper Dodge Charger Insurance

Getting lower rates on insurance for a Dodge Charger takes being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk with multiple at-fault accidents pay on average $1,890 more annually to insure their Charger
• Teen drivers have the highest car insurance prices, with premiums as much as $514 a month if the policy includes full coverage
• Drivers can save approximately $190 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $600 each year
• Drivers can save approximately $190 per year simply by quoting early and online