How Much Is Auto Insurance for a Dodge Charger?
The average annual premium for a Dodge Charger is $537 for minimum coverage and $2,077 for full coverage. All state’s require some car insurance coverage before drivers can hit the roads.
Your state’s minimum required liability includes bodily injury liability and property damage liability. Depending on where you live, you may be required to purchase additional protections, such as uninsured motorist coverage and personal injury protection (PIP) for additional help with medical bills.
Those who opt for full coverage have much greater protection with comprehensive in the event their auto is stolen or damaged from something, such as a hail storm. This type of policy also usually includes collision, which can help repair your ride after a wreck.
If you need to find cheap coverage that fits your budget and your needs, don’t wait. Freeway agents are standing by to do the research for you and give you several options.
Getting a Free Auto Insurance quote with Freeway is easy!
Comparing Insurance Costs for Your Charger to Other Vehicles
There are many reasons why your car premiums may vary between competitors like the Toyota Avalon, Chrysler 300, and Nissan Maxima. This includes each vehicle’s engine size, suite of safety features, reliability rating, cost of parts and labor, and proprietary underwriting information that insurers use to determine the risk of every policyholder.
|Make/Model||Annual Full Coverage Insurance|
Types of Car Insurance Coverage for Dodge Sedans
Choosing which coverage is right for you and your budget does not have to be a chore. At Freeway, we can help you decide what is best for you and then find a variety of options from different carriers for you.
A full coverage policy includes comprehensive and collision insurance, plus whatever liability your state requires. Many leasing and financing companies require you to take out a full policy, as it better protects their vehicle.
Both types imply a deductible — a term that refers to the amount you are expected to pay for a claim before your policy covers the rest. Each policy has a set deductible which can be increased or decreased, along with liability limits.
State minimum liability covers damages for third parties — bodily injury and property damage.
Every state has its minimum liability requirements. For example, California drivers must have $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability per accident.
However, if you drive in a no-fault state, such as Kansas, your requirements will include $25,000/$50,000 for bodily injury per person/accident; $25,000 in property damage; $25,000/$50,000 uninsured motorist; and $4,500 in PIP.
Increase Your Protection with Higher Limits and Additional Coverages
Remember to go for higher liability limits. Many states have property damage liability minimums in the $20,000 range, which barely covers the cost of a new vehicle if you are at fault for an accident that totals someone else’s car. A 100/300/100 policy or greater policy makes the most sense.
You can also choose optional coverages that afford greater protection, such as:
How Does a DUI Affect Insurance Rates for a Dodge Charger?
If you are convicted of a DUI, expect your premiums to skyrocket.
How much it will increase depends on several factors, such as state regulations, your insurer, and the surrounding circumstances. Depending on the state, you may also have to file for an SR-22 or an FR-44 certificate, which proves to the state you are carrying the minimum required liability policy.
After a DUI conviction, your rates may stay elevated for as much as ten years before gradually going back down with a clean driving record. For example, DUIs may remain on a Louisiana driver’s record for five years versus up to 10 years for Texas and California.
With all this said, don’t even think of racking up speeding tickets!
What Are Some Auto Insurance Discounts?
There are many auto insurance discounts you can take advantage of as a Dodge Charger driver.
- One of the most popular options is a Safe Driving discount, which is extended to drivers who stay accident and ticket free for a minimum of three years. This may or may not complement a telematics program that uses in-vehicle devices to track your driving behavior, including top speed and total miles driven.
- You can get discounts by installing anti-lock brakes, installing anti-theft devices, passive restraints, daytime running lights, and driving less than 7,500 miles per year. To qualify for low mileage discounts, insurers require that you submit proof of annual mileage with an odometer reading.
- Other savings can be found with bundling, such as having your car coverage and your home coverage with the same company. This is a significant savings.
We recommend calling your insurance provider every couple of months to see if you qualify for any new discounts. One phone call can easily result in a $20 savings on your monthly bill.
Find an office near you to help with your auto insurance
What Are Some of the Characteristics of the Charger?
This vehicle is in the large sedan segment.
It has a choice of 8 trims: SXT, GT, R/T, Scat Pack, Scat Pack Widebody, SRT Hellcat Widebody, SRT Hellcat Redeye Widebody, and SRT Jailbreak.
The base SXT comes with an eight-speed automatic transmission 292-horsepower V6 engine. Standard features include a 7-inch touchscreen, Apple CarPlay/Android Auto capability, USB ports, and a six-speaker stereo.
Higher-level trims come with a larger 8.4-inch touch screen, a nine-speaker Alpine sound system, Laguna leather seating, and an SRT-tuned Bilstein suspension.
With NHTSA safety ratings, this sedan has achieved an overall rating of five stars, including four stars for frontal crashes, five stars for side crashes, and five stars for rollover crash testing.
Main competitors are the Toyota Avalon, Chrysler 300, and Nissan Maxima.
Find the Best Car Insurance Rates Online Today
Drivers must carry an active auto insurance policy meeting your state’s minimum required liability.
Let Freeway help you find the right policy for greater peace of mind on the road. Get started by requesting a quote online, stopping by one of our offices, or calling 800-777-5620 to speak with one of our friendly agents for a free, no-obligation consultation. Get in touch with us today!