Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive costs an estimated $332, collision costs $582, and liability costs $520. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing around $3,528. Teens pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all Charger models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. More rural locations 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 insurance prices.

The ranges above illustrate why everyone should compare rates for a targeted area 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 estimated Dodge Charger insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $949
• Drivers who choose higher $1,000 deductibles will pay approximately $208 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,634
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,036
• Drivers with serious driving violations could pay up to $3,528 or more
• The price for full coverage for a 16-year-old driver for full coverage can cost as much as $6,168 a year

View Chart as Image

Auto insurance prices for a Dodge Charger are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $6,100 a year. View Rates by Age

The state you live in makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,200 on average in Florida, New York, and Michigan.

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

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

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every company calculates prices differently, and quoted prices may be quite different from one company to the next.

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 Low Cost Dodge Charger Insurance

Getting lower rates on insurance for a Dodge Charger not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a review of the coverage data covered above.

• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $600 each year
• Drivers under the age of 20 are the costliest to insure, as much as $514 a month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,890 more annually to insure a Dodge Charger