Dodge Charger Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Dodge Charger are $1,638 a year with full coverage. Comprehensive costs on average $344, collision insurance costs $596, and liability costs around $498. A policy with just liability insurance costs as low as $574 a year, and coverage for high-risk drivers costs around $3,532. Teens pay the highest rates at up to $6,142 a year.
Average premium for full coverage: $1,638
Price estimates by individual coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Charger models.
Price Range from Low to High
For the normal driver, Dodge Charger insurance prices range from as low as $574 for just the minimum liability insurance to the much higher price of $3,532 for a policy for a high-risk driver.
Geographic Price Range
Where you live can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects car insurance rates.
The ranges above demonstrate why everyone should compare prices based on a specific location and risk profile, instead of using averaged prices.
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.
Additional Rate Analysis
The chart below details average Dodge Charger insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $953
- Using higher $1,000 deductibles will save around $214 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,638
- Selecting pricier low deductibles for physical damage coverage will increase the cost to $2,052
- Drivers with serious driving violations could pay upwards of $3,532
- The price for full coverage for a teen driver for full coverage may cost $6,142 or more
Insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $6,100 a year. View Rates by Age
The state you live in has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,210 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,480 | -$158 | -9.6% |
| Alaska | $1,254 | -$384 | -23.4% |
| Arizona | $1,358 | -$280 | -17.1% |
| Arkansas | $1,638 | -$0 | 0.0% |
| California | $1,866 | $228 | 13.9% |
| Colorado | $1,564 | -$74 | -4.5% |
| Connecticut | $1,682 | $44 | 2.7% |
| Delaware | $1,854 | $216 | 13.2% |
| Florida | $2,044 | $406 | 24.8% |
| Georgia | $1,510 | -$128 | -7.8% |
| Hawaii | $1,176 | -$462 | -28.2% |
| Idaho | $1,112 | -$526 | -32.1% |
| Illinois | $1,220 | -$418 | -25.5% |
| Indiana | $1,236 | -$402 | -24.5% |
| Iowa | $1,106 | -$532 | -32.5% |
| Kansas | $1,554 | -$84 | -5.1% |
| Kentucky | $2,234 | $596 | 36.4% |
| Louisiana | $2,424 | $786 | 48.0% |
| Maine | $1,012 | -$626 | -38.2% |
| Maryland | $1,352 | -$286 | -17.5% |
| Massachusetts | $1,308 | -$330 | -20.1% |
| Michigan | $2,844 | $1,206 | 73.6% |
| Minnesota | $1,370 | -$268 | -16.4% |
| Mississippi | $1,960 | $322 | 19.7% |
| Missouri | $1,454 | -$184 | -11.2% |
| Montana | $1,760 | $122 | 7.4% |
| Nebraska | $1,290 | -$348 | -21.2% |
| Nevada | $1,962 | $324 | 19.8% |
| New Hampshire | $1,180 | -$458 | -28.0% |
| New Jersey | $1,828 | $190 | 11.6% |
| New Mexico | $1,450 | -$188 | -11.5% |
| New York | $1,722 | $84 | 5.1% |
| North Carolina | $942 | -$696 | -42.5% |
| North Dakota | $1,342 | -$296 | -18.1% |
| Ohio | $1,132 | -$506 | -30.9% |
| Oklahoma | $1,682 | $44 | 2.7% |
| Oregon | $1,500 | -$138 | -8.4% |
| Pennsylvania | $1,562 | -$76 | -4.6% |
| Rhode Island | $2,184 | $546 | 33.3% |
| South Carolina | $1,484 | -$154 | -9.4% |
| South Dakota | $1,380 | -$258 | -15.8% |
| Tennessee | $1,434 | -$204 | -12.5% |
| Texas | $1,972 | $334 | 20.4% |
| Utah | $1,212 | -$426 | -26.0% |
| Vermont | $1,120 | -$518 | -31.6% |
| Virginia | $980 | -$658 | -40.2% |
| Washington | $1,264 | -$374 | -22.8% |
| West Virginia | $1,500 | -$138 | -8.4% |
| Wisconsin | $1,132 | -$506 | -30.9% |
| Wyoming | $1,458 | -$180 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $630 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $448 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,700 extra each year, depending on your age. Dodge Charger insurance for high-risk drivers can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,596 | $133 |
| Dodge Charger | $1,596 | $133 |
| Dodge Charger 3.5 AWD | $1,638 | $137 |
| Dodge Charger AWD | $1,638 | $137 |
| Dodge Charger Rallye | $1,638 | $137 |
| Dodge Charger SXT | $1,638 | $137 |
| Dodge Charger SXT AWD | $1,638 | $137 |
| Dodge Charger R/T | $1,680 | $140 |
| Dodge Charger Rallye AWD | $1,680 | $140 |
| Dodge Charger R/T AWD | $1,724 | $144 |
| Dodge Charger SRT-8 | $1,766 | $147 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $358 | $600 | $488 | $1,646 |
| 2022 Dodge Charger | $344 | $596 | $498 | $1,638 |
| 2021 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2020 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2019 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2018 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2017 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2016 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2015 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2014 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2013 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2012 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2011 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2010 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2009 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2008 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2007 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2006 Dodge Charger | $176 | $198 | $564 | $1,138 |
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 Find Affordable Dodge Charger Insurance
Getting lower rates on car insurance requires being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates every year by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
The items below are a brief review of the coverage data presented in the illustrations above.
- You may be able to save as much as $190 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $625 each year
- Teen drivers pay the highest prices, costing up to $512 a month for full coverage
- Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,890 more each year to insure their Charger
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,142 |
| 20 | $3,768 |
| 30 | $1,702 |
| 40 | $1,638 |
| 50 | $1,494 |
| 60 | $1,464 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,052 |
| $250 | $1,862 |
| $500 | $1,638 |
| $1,000 | $1,424 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,638 |
| 50/100 | $1,866 |
| 100/300 | $1,990 |
| 250/500 | $2,314 |
| 100 CSL | $1,915 |
| 300 CSL | $2,189 |
| 500 CSL | $2,389 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,746 |
| 20 | $5,988 |
| 30 | $3,606 |
| 40 | $3,532 |
| 50 | $3,370 |
| 60 | $3,338 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $73 |
| Advance Quote | $79 |
| Online Quote | $115 |
| Total Discounts | $685 |
Discounts are estimated and may not be available from every company or in every state.
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