Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,638 a year including full coverage. Comprehensive insurance costs an estimated $344 a year, collision costs $596, and liability coverage costs $498. Liability-only coverage costs as little as $574 a year, with high-risk coverage costing $3,532 or more. Teen drivers pay the most at $6,142 a year or more.

Average premium for full coverage: $1,638

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why it is important to compare rates for a targeted area, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $953
• Drivers who choose higher $1,000 deductibles will pay approximately $1,424 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,638
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $414 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,532 or more
• An auto insurance policy that insures a teenage driver can cost as much as $6,142 a year

View Chart as Image

Insurance prices for a Dodge Charger also have a wide range based on the trim level of your Charger, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,900 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,260 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,330 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $630 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $448 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Every company uses a different rate calculation, so the prices will be substantially different.

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 Affordable Dodge Charger Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, refrain from filing small claims, and taking advantage of discounts. Shop around at least once a year by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief review of the primary concepts that were covered above.

• You may be able to save approximately $190 per year simply by quoting early and online
• Drivers with DUI or reckless driving convictions could be charged and average of $1,890 more annually to insure a Dodge Charger
• Increasing policy deductibles can save approximately $625 each year
• Drivers under the age of 20 are charged the highest prices, with the cost nearing $512 per month if full coverage is included