Dodge Charger Insurance Rates
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UPDATED: Jun 8, 2024
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U.S. average insurance prices for a Dodge Charger are $1,638 every 12 months including full coverage. Comprehensive insurance costs approximately $344, collision insurance costs $596, and liability is $498. Buying just liability costs around $574 a year, and insurance for high-risk drivers costs $3,532 or more. Teens pay the highest rates at up to $6,142 a year.
Average premium for full coverage: $1,638
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Charger models.
Price Range from Low to High
For the average driver, Dodge Charger insurance prices range from the cheapest price of $574 for minimum levels of liability insurance to the much higher price of $3,532 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance prices.
The ranges above highlight why everyone should compare rates quotes using their specific location and their own driving history, 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 Details
The chart below breaks down average Dodge Charger insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $953
- Raising to $1,000 deductibles will save $214 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,638
- Selecting pricier low deductibles costs an extra $414 every year
- At-risk drivers with serious driving violations could pay around $3,532
- The price to insure a teen driver for full coverage can cost $6,142
Insurance prices for a Dodge Charger are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Charger.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $630 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $448 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,900 to $2,700 additional each year, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Dodge Charger insurance prices. A middle-age driver might find prices as low as $1,260 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,330 on average in Louisiana, New York, and Michigan.
| 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% |
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 Shop for the Best Cheap Dodge Charger Insurance
Getting lower rates on car insurance consists of being safe and accident-free, having above-average credit, being claim-free, and consideration of higher deductibles. Spend time shopping around at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below you'll find a quick review of the data touched on above.
- Policyholders who purchase more liability protection will pay approximately $550 per year to raise from a low limit to a 250/500 level
- You may be able to save around $190 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $625 each year
- Youthful drivers are the costliest to insure, possibly costing $512 a month if full coverage is included
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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