Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,634 annually with full coverage. Comprehensive insurance costs an estimated $332, collision costs $582, and liability costs around $520. Liability-only coverage costs as low as $592 a year, with high-risk coverage costing $3,528 or more. Teen drivers pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $949
• Using higher $1,000 deductibles will save approximately $208 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,634
• Choosing more expensive low deductibles for physical damage coverage costs an additional $402 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,528 or more
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $6,168 or more

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Insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,900 to $2,700 extra annually, depending on your age. High-risk driver insurance can be from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $610 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,200 on average in New York, Michigan, and Florida.

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With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy the Best Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger requires being a low-risk driver, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to compare rates every year by getting quotes from direct companies, and also from several local insurance agents.

The items below are a brief recap of the coverage data covered in the above illustrations.

• You may be able to save approximately $190 per year simply by shopping early and online
• Increasing policy deductibles could save up to $600 each year
• Teen drivers are charged the highest prices, possibly costing $514 per month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations pay on average $1,890 more annually to insure their Charger