Dodge Charger Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Average insurance prices for a Dodge Charger are $1,634 every 12 months including full coverage. Comprehensive costs an estimated $332, collision insurance costs $582, and liability insurance is estimated at $520. A liability-only policy costs approximately $592 a year, and high-risk insurance costs around $3,528. Teen drivers receive the highest rates at up to $6,168 a year.

Average premium for full coverage: $1,634

Rate estimates broken down by individual coverage type:

Comprehensive $332
Collision $582
Liability $520

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Charger models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $592 for basic liability insurance to the much higher price of $3,528 for a driver who has had serious violations or accidents.

Liability Only $592
Full Coverage $1,634
High Risk $3,528

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates how location helps determine insurance prices.

Rural Areas $1,226
Small Cities $1,716
Large Cities $2,206

These examples highlight why everyone should get quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The lowest rate with discounts is $949
  • Choosing higher $1,000 deductibles can save approximately $208 every year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,634
  • Choosing pricier low deductibles for comp and collision coverage increases the price to $2,036
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,528
  • The cost to insure a teen driver for full coverage can cost as much as $6,168 each year

View Chart as Image

Dodge Charger insurance cost comparison chart
Column chart showing Dodge Charger insurance rates range from $949 to $6,168 for full coverage

Insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can save as much as $610 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,900 to $2,700 extra per year, depending on your age. Dodge Charger insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,250 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,330 on average in Louisiana, New York, and Michigan.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,476 -$158 -9.7%
Alaska $1,250 -$384 -23.5%
Arizona $1,354 -$280 -17.1%
Arkansas $1,634 -$0 0.0%
California $1,860 $226 13.8%
Colorado $1,560 -$74 -4.5%
Connecticut $1,678 $44 2.7%
Delaware $1,848 $214 13.1%
Florida $2,040 $406 24.8%
Georgia $1,508 -$126 -7.7%
Hawaii $1,172 -$462 -28.3%
Idaho $1,108 -$526 -32.2%
Illinois $1,218 -$416 -25.5%
Indiana $1,230 -$404 -24.7%
Iowa $1,104 -$530 -32.4%
Kansas $1,550 -$84 -5.1%
Kentucky $2,228 $594 36.4%
Louisiana $2,418 $784 48.0%
Maine $1,008 -$626 -38.3%
Maryland $1,348 -$286 -17.5%
Massachusetts $1,304 -$330 -20.2%
Michigan $2,836 $1,202 73.6%
Minnesota $1,366 -$268 -16.4%
Mississippi $1,956 $322 19.7%
Missouri $1,450 -$184 -11.3%
Montana $1,756 $122 7.5%
Nebraska $1,286 -$348 -21.3%
Nevada $1,958 $324 19.8%
New Hampshire $1,176 -$458 -28.0%
New Jersey $1,826 $192 11.8%
New Mexico $1,446 -$188 -11.5%
New York $1,718 $84 5.1%
North Carolina $940 -$694 -42.5%
North Dakota $1,338 -$296 -18.1%
Ohio $1,128 -$506 -31.0%
Oklahoma $1,676 $42 2.6%
Oregon $1,494 -$140 -8.6%
Pennsylvania $1,558 -$76 -4.7%
Rhode Island $2,180 $546 33.4%
South Carolina $1,480 -$154 -9.4%
South Dakota $1,376 -$258 -15.8%
Tennessee $1,430 -$204 -12.5%
Texas $1,966 $332 20.3%
Utah $1,208 -$426 -26.1%
Vermont $1,118 -$516 -31.6%
Virginia $978 -$656 -40.1%
Washington $1,260 -$374 -22.9%
West Virginia $1,496 -$138 -8.4%
Wisconsin $1,130 -$504 -30.8%
Wyoming $1,456 -$178 -10.9%

View Chart as Image

Dodge Charger insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Dodge Charger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Charger 3.5 $1,592 $133
Dodge Charger $1,592 $133
Dodge Charger 3.5 AWD $1,634 $136
Dodge Charger AWD $1,634 $136
Dodge Charger Rallye $1,634 $136
Dodge Charger SXT $1,634 $136
Dodge Charger SXT AWD $1,634 $136
Dodge Charger R/T $1,674 $140
Dodge Charger Rallye AWD $1,674 $140
Dodge Charger R/T AWD $1,716 $143
Dodge Charger SRT-8 $1,756 $146

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.

Dodge Charger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Dodge Charger $344 $596 $498 $1,638
2022 Dodge Charger $332 $582 $520 $1,634
2021 Dodge Charger $320 $558 $536 $1,614
2020 Dodge Charger $304 $538 $554 $1,596
2019 Dodge Charger $292 $500 $564 $1,556
2018 Dodge Charger $280 $470 $570 $1,520
2017 Dodge Charger $268 $422 $574 $1,464
2016 Dodge Charger $250 $388 $574 $1,412
2015 Dodge Charger $242 $364 $580 $1,386
2014 Dodge Charger $236 $340 $592 $1,368
2013 Dodge Charger $218 $316 $592 $1,326
2012 Dodge Charger $212 $286 $596 $1,294
2011 Dodge Charger $198 $262 $592 $1,252
2010 Dodge Charger $186 $238 $592 $1,216
2009 Dodge Charger $180 $214 $586 $1,180
2008 Dodge Charger $178 $208 $574 $1,160
2007 Dodge Charger $176 $198 $564 $1,138
2006 Dodge Charger $160 $190 $558 $1,108

Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Affordable Dodge Charger Insurance

Saving money on Dodge Charger insurance takes not taking risks behind the wheel, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following is a brief review of the ideas that were covered in the charts and tables above.

  • Teens are charged the highest rates, as much as $514 per month if they have full coverage
  • High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,890 more annually for Charger insurance
  • Increasing deductibles could save as much as $600 each year
  • You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,168
20 $3,764
30 $1,696
40 $1,634
50 $1,492
60 $1,462

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,036
$250 $1,852
$500 $1,634
$1,000 $1,426

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,634
50/100 $1,860
100/300 $1,990
250/500 $2,328
100 CSL $1,912
300 CSL $2,198
500 CSL $2,406

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,784
20 $5,988
30 $3,598
40 $3,528
50 $3,368
60 $3,334

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $226

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $86
Multi-vehicle $86
Homeowner $25
5-yr Accident Free $117
5-yr Claim Free $105
Paid in Full/EFT $72
Advance Quote $79
Online Quote $115
Total Discounts $685
Rate after discounts $949

Discounts are estimated and may not be available from every company or in every state.

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