Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,634 a year for full coverage. Comprehensive costs around $332, collision insurance costs $582, and liability insurance is estimated at $520. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs around $3,528. Teens pay the most at up to $6,168 a year.

Average premium for full coverage: $1,634

Premium estimates for type of coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below shows average Dodge Charger insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $949
• Choosing higher $1,000 deductibles can save about $208 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,634
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $2,036
• High-risk insureds with serious driving violations could pay at least $3,528
• An auto insurance policy for full coverage for a teen driver with full coverage can be $6,168 each year

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Insurance prices for a Dodge Charger also have a wide range based on your driving characteristics, the trim level of your Charger, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $6,100 a year. View Rates by Age

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

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Choosing higher comprehensive and collision insurance deductibles can save as much as $610 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,900 to $2,700 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

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 the Best Dodge Charger Insurance

Finding better rates on Dodge Charger insurance takes avoiding accidents and claims, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief recap of the information touched on above.

• Drivers can save up to $190 per year just by shopping early and online
• Drivers under the age of 20 pay higher prices, as much as $514 per month for full coverage
• Increasing policy deductibles can save around $600 each year
• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,890 more every year to insure a Dodge Charger
• Drivers who may need increased liability limits will pay approximately $570 each year to raise limits from 30/60 bodily injury limits to 250/500 limits