Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive insurance costs on average $332, collision insurance costs $582, and liability costs around $520. A liability-only policy costs as low as $592 a year, and high-risk insurance costs $3,528 or more. Teens pay the most at up to $6,168 a year.

Average premium for full coverage: $1,634

Premium estimates by type of coverage:

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below illustrates average Dodge Charger insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $949
• Using higher $1,000 deductibles will save around $208 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,634
• Selecting pricier low deductibles for physical damage coverage will cost an extra $402 annually
• High-risk insureds with serious driving violations could pay upwards of $3,528
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $6,168 or more

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Auto insurance prices for a Dodge Charger also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

A more mature driver with a good driving record and high 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 good drivers will have to pay upwards of $6,100 a year. View Rates by Age

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 $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,200 on average in Michigan, New York, and Florida.

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Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $610 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,700 in extra premium annually, depending on your age. Dodge Charger insurance for high-risk drivers can be from 44% to 130% more than the average policy. View High Risk Driver Rates

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 the Best Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger requires having a good driving record, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a brief recap of the information covered above.

• It is possible to save as much as $190 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $514 per month if they have full coverage
• Increasing policy deductibles can save around $600 each year
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,890 more each year to buy Dodge Charger insurance
• Insureds who require increased levels of liability coverage will pay approximately $570 annually to increase from 30/60 bodily injury limits to 250/500 limits