Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,634 annually including full coverage. Comprehensive insurance costs on average $332, collision insurance costs $582, and liability insurance costs $520. A liability-only policy costs as little as $592 a year, and high-risk insurance costs $3,528 or more. Teens pay the most at up to $6,168 a year.

Average premium for full coverage: $1,634

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.

These rate differences highlight why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Dodge Charger insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $949
• Drivers who choose higher $1,000 deductibles will pay around $208 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,634
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $402 a year
• High risk drivers with serious driving violations could pay upwards of $3,528
• An auto insurance policy with full coverage for a teen driver for full coverage may cost $6,168 a year

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Auto insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driving characteristics, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,700 in extra premium annually, depending on your age. Dodge Charger insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $610 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,250 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,330 on average in Michigan, New York, and Louisiana.

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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 Dodge Charger insurance not only requires having a decent driving record, but also having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies, and also from several local insurance agents.

The following items are a brief recap of the data that was covered in the charts and tables above.

• You may be able to save as much as $190 per year just by quoting online well ahead of the renewal date
• Drivers who require additional liability coverage will pay approximately $570 per year to go from 30/60 bodily injury limits to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $514 per month if full coverage is included
• High-risk drivers who tend to receive serious violations pay on average $1,890 more each year than a driver with a clean driving record