Dodge Charger Insurance Rates

U.S. average insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage. Comprehensive insurance costs on average $332 a year, collision costs $582, and liability costs $520. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing $3,528 or more. Teenage drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above show why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below shows estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay around $1,426 a year
• The average price for the average middle-age driver with $500 deductibles is $1,634
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $402 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,528 or more
• The price to insure a 16-year-old driver may cost $6,168 a year

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Car insurance prices for a Dodge Charger are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Charger.

Using high physical damage deductibles could save up to $610 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,900 to $2,700 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,330 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate prices, so rate quotes may be quite different.

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 Shop for the Cheapest Dodge Charger Insurance

Getting lower rates on insurance for a Dodge Charger not only requires avoiding accidents and violations, but also maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a recap of the ideas that were raised in the charts and tables above.

• Teenagers are expensive to insure, with premiums as much as $514 a month if the policy includes full coverage
• Drivers considered higher risk that have major violations or accidents pay an average of $1,890 more each year for car insurance
• Increasing physical damage deductibles could save as much as $600 each year
• Drivers can save as much as $190 per year simply by quoting early and online