Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive insurance costs an estimated $332, collision costs $582, and liability coverage is $520. Liability-only insurance costs around $592 a year, with high-risk driver insurance costing $3,528 or more. Teens cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all Charger models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $949
• Raising to $1,000 deductibles will save approximately $208 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,634
• Selecting pricier low deductibles will cost an extra $402 each year
• Unlucky drivers with serious driving violations could pay up to $3,528 or more
• Policy cost for full coverage for a teenage driver for full coverage can cost as much as $6,168

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $6,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,200 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $610 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,900 to $2,700 in extra premium every year, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, and quoted 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 More Affordable Dodge Charger Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a summary of the material that was covered above.

• Consumers who want additional liability coverage will pay approximately $570 every year to raise from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, as much as $514 each month if they have full coverage
• Drivers who have multiple accidents or major violations may pay on average $1,890 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $600 each year