Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,634 annually including full coverage. Comprehensive insurance costs an estimated $332 each year, collision costs $582, and liability costs around $520. A policy with only liability insurance costs as low as $592 a year, with a high-risk policy costing $3,528 or more. Teenage 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:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

These rate differences highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

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

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

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,500 a year, 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 be charged at least $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,900 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $610 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every 12 months. 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 $1,250 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,330 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes 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 More Affordable Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger requires being safe and accident-free, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Invest time comparing rates at every policy renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a summary of the data covered in the charts and tables above.

• Insureds who want more liability protection will pay an extra $570 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save approximately $190 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $600 each year
• Youthful drivers have the highest car insurance prices, with the cost nearing $514 per month if comprehensive and collision insurance is included