Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $332, collision costs $582, and liability coverage costs around $520. Buying just liability costs as low as $592 a year, with insurance for high-risk drivers costing $3,528 or more. Teenage drivers receive the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Charger models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why everyone should compare prices using their specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $949
• Using higher $1,000 deductibles will save $208 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,634
• Using pricier low deductibles for physical damage coverage costs an extra $402 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,528 or more
• The cost to insure a teenage driver for full coverage can cost $6,168 or more

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Auto insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Charger.

Using high physical damage deductibles could cut rates by as much as $610 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,900 to $2,700 in extra premium per year, depending on your age. Dodge Charger insurance for high-risk drivers can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,200 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 Right Dodge Charger Insurance

Saving money on auto insurance requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a quick rundown of the data that was raised in the charts and tables above.

• It is possible to save around $190 per year simply by quoting online well ahead of the renewal date
• Consumers who purchase more liability protection will pay an extra $570 annually to increase from a minimum limit to a 250/500 level
• Youthful drivers have the highest car insurance rates, costing up to $514 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions may have to pay on average $1,890 more per year than a low-risk driver