Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,638 a year including full coverage. Comprehensive insurance costs approximately $344 a year, collision insurance costs $596, and liability costs $498. A liability-only policy costs as little as $574 a year, and high-risk insurance costs $3,532 or more. Teen drivers pay the most at up to $6,142 a year.

Average premium for full coverage: $1,638

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance prices.

These rate differences highlight why it is important to compare rates using their specific location, instead of using price averages.

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

More Rate Information

The chart below breaks down average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $953
• Drivers who choose higher $1,000 deductibles will pay $1,424 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,638
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $414 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,532
• An auto insurance policy that insures a teen driver can cost $6,142 a year

View Chart as Image

Auto insurance prices for a Dodge Charger also have a wide range based on the trim level of your Charger, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,900 to $2,700 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,260 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,330 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $630 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $448 extra every year. View Rates by Deductible or Liability Limit

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 More Affordable Dodge Charger Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also maintaining a good credit score, refrain from filing small claims, and possibly higher deductibles. Shop around at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a summary of the data touched on in the above illustrations.

• Policyholders who purchase more liability coverage will pay about $550 per year to go from 30/60 bodily injury limits to the 250/500 level
• You may be able to save around $190 per year just by quoting early and online
• Increasing policy deductibles can save approximately $625 each year
• Teen drivers have the highest car insurance prices, with the cost nearing $512 per month if the policy includes full coverage