Dodge Charger Insurance Rates
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UPDATED: Jun 8, 2024
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Average insurance prices for a Dodge Charger are $1,638 every 12 months including full coverage. Comprehensive costs approximately $344 a year, collision insurance costs $596, and liability insurance is $498. A policy with just liability insurance costs around $574 a year, and coverage for high-risk drivers costs around $3,532. 16-year-old drivers receive the highest rates at up to $6,142 a year.
Average premium for full coverage: $1,638
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Charger trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $574 for minimum levels of liability insurance to a high of $3,532 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
These examples highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down average Dodge Charger insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $953
- Raising to $1,000 deductibles will save $1,424 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,638
- Buying low $100 deductibles increases the price to $2,052
- Higher-risk drivers with multiple tickets or accidents could pay around $3,532
- The cost to insure a teen driver can cost $6,142
Insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Charger.
Opting for high physical damage deductibles can reduce rates by up to $630 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $448 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,900 to $2,700 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,260 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,330 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,480 | -$158 | -9.6% |
| Alaska | $1,254 | -$384 | -23.4% |
| Arizona | $1,358 | -$280 | -17.1% |
| Arkansas | $1,638 | -$0 | 0.0% |
| California | $1,866 | $228 | 13.9% |
| Colorado | $1,564 | -$74 | -4.5% |
| Connecticut | $1,682 | $44 | 2.7% |
| Delaware | $1,854 | $216 | 13.2% |
| Florida | $2,044 | $406 | 24.8% |
| Georgia | $1,510 | -$128 | -7.8% |
| Hawaii | $1,176 | -$462 | -28.2% |
| Idaho | $1,112 | -$526 | -32.1% |
| Illinois | $1,220 | -$418 | -25.5% |
| Indiana | $1,236 | -$402 | -24.5% |
| Iowa | $1,106 | -$532 | -32.5% |
| Kansas | $1,554 | -$84 | -5.1% |
| Kentucky | $2,234 | $596 | 36.4% |
| Louisiana | $2,424 | $786 | 48.0% |
| Maine | $1,012 | -$626 | -38.2% |
| Maryland | $1,352 | -$286 | -17.5% |
| Massachusetts | $1,308 | -$330 | -20.1% |
| Michigan | $2,844 | $1,206 | 73.6% |
| Minnesota | $1,370 | -$268 | -16.4% |
| Mississippi | $1,960 | $322 | 19.7% |
| Missouri | $1,454 | -$184 | -11.2% |
| Montana | $1,760 | $122 | 7.4% |
| Nebraska | $1,290 | -$348 | -21.2% |
| Nevada | $1,962 | $324 | 19.8% |
| New Hampshire | $1,180 | -$458 | -28.0% |
| New Jersey | $1,828 | $190 | 11.6% |
| New Mexico | $1,450 | -$188 | -11.5% |
| New York | $1,722 | $84 | 5.1% |
| North Carolina | $942 | -$696 | -42.5% |
| North Dakota | $1,342 | -$296 | -18.1% |
| Ohio | $1,132 | -$506 | -30.9% |
| Oklahoma | $1,682 | $44 | 2.7% |
| Oregon | $1,500 | -$138 | -8.4% |
| Pennsylvania | $1,562 | -$76 | -4.6% |
| Rhode Island | $2,184 | $546 | 33.3% |
| South Carolina | $1,484 | -$154 | -9.4% |
| South Dakota | $1,380 | -$258 | -15.8% |
| Tennessee | $1,434 | -$204 | -12.5% |
| Texas | $1,972 | $334 | 20.4% |
| Utah | $1,212 | -$426 | -26.0% |
| Vermont | $1,120 | -$518 | -31.6% |
| Virginia | $980 | -$658 | -40.2% |
| Washington | $1,264 | -$374 | -22.8% |
| West Virginia | $1,500 | -$138 | -8.4% |
| Wisconsin | $1,132 | -$506 | -30.9% |
| Wyoming | $1,458 | -$180 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,596 | $133 |
| Dodge Charger | $1,596 | $133 |
| Dodge Charger 3.5 AWD | $1,638 | $137 |
| Dodge Charger AWD | $1,638 | $137 |
| Dodge Charger Rallye | $1,638 | $137 |
| Dodge Charger SXT | $1,638 | $137 |
| Dodge Charger SXT AWD | $1,638 | $137 |
| Dodge Charger R/T | $1,680 | $140 |
| Dodge Charger Rallye AWD | $1,680 | $140 |
| Dodge Charger R/T AWD | $1,724 | $144 |
| Dodge Charger SRT-8 | $1,766 | $147 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $358 | $600 | $488 | $1,646 |
| 2022 Dodge Charger | $344 | $596 | $498 | $1,638 |
| 2021 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2020 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2019 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2018 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2017 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2016 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2015 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2014 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2013 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2012 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2011 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2010 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2009 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2008 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2007 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2006 Dodge Charger | $176 | $198 | $564 | $1,138 |
Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Dodge Charger Insurance
Saving money on Dodge Charger insurance consists of having a decent driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The following items are a summary of the data raised in the charts and tables above.
- Drivers who purchase additional liability coverage will pay around $550 per year to raise from a minimum limit to a 250/500 level
- You may be able to save around $190 per year just by quoting early and online
- Increasing deductibles could save as much as $625 each year
- 16 to 18-year-old drivers are the costliest to insure, as much as $512 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,142 |
| 20 | $3,768 |
| 30 | $1,702 |
| 40 | $1,638 |
| 50 | $1,494 |
| 60 | $1,464 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,052 |
| $250 | $1,862 |
| $500 | $1,638 |
| $1,000 | $1,424 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,638 |
| 50/100 | $1,866 |
| 100/300 | $1,990 |
| 250/500 | $2,314 |
| 100 CSL | $1,915 |
| 300 CSL | $2,189 |
| 500 CSL | $2,389 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,746 |
| 20 | $5,988 |
| 30 | $3,606 |
| 40 | $3,532 |
| 50 | $3,370 |
| 60 | $3,338 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $73 |
| Advance Quote | $79 |
| Online Quote | $115 |
| Total Discounts | $685 |
Discounts are estimated and may not be available from every company or in every state.
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