Auto Insurance Rates for a Dodge Charger in Los Angeles

Insurance quote for Dodge Charger in Los AngelesWant to learn how to save money and find lower-priced Dodge Charger insurance in Los Angeles? Are you regretting buying high-priced Dodge Charger insurance in Los Angeles? Don’t sweat it because there are many Los Angeles drivers thinking the same thing.

Remarkably, a study showed that most auto insurance customers have been with the same company for at least four years, and nearly half have never compared rates with other companies. Many consumers in Los Angeles could save an average of nearly 35% each year, but they just don’t understand how much money they would save if they bought a different policy. Since you have so many choices of insurance companies that have affordable insurance for a Dodge Charger in Los Angeles, it is hard for the average consumer to find the most cost effective company.

Companies offering cheap Dodge Charger rate quotes in Los Angeles, CA

The companies shown below have been selected to offer comparison quotes in California. If multiple companies are shown, it’s a good idea that you visit several of them in order to find the most competitive rates.

Dodge Charger insurance coverage information

The coverage information displayed below highlights detailed analysis of insurance premium costs for Dodge Charger models. Knowing how auto insurance prices are figured can be of help when making smart choices when buying a policy.

Dodge Charger Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $348 $546 $552 $32 $166 $1,644 $137
Charger $348 $546 $552 $32 $166 $1,644 $137
Charger AWD $348 $546 $552 $32 $166 $1,644 $137
Charger 3.5 AWD $348 $546 $552 $32 $166 $1,644 $137
Charger SXT $348 $546 $552 $32 $166 $1,644 $137
Charger SXT AWD $348 $546 $552 $32 $166 $1,644 $137
Charger Rallye $348 $546 $552 $32 $166 $1,644 $137
Charger R/T $348 $630 $552 $32 $166 $1,728 $144
Charger Rallye AWD $348 $630 $552 $32 $166 $1,728 $144
Charger R/T AWD $384 $630 $552 $32 $166 $1,764 $147
Charger SRT-8 $384 $630 $552 $32 $166 $1,764 $147
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in specific Los Angeles garaging location which can change auto insurance rates noticeably.

Deductible comparison

One of the more difficult decisions when buying car insurance is which deductible level should you buy. The rates shown below highlight the rate difference of buying low and high physical damage coverage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Dodge Charger insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $430 $678 $552 $32 $166 $1,883 $157
Charger $430 $678 $552 $32 $166 $1,883 $157
Charger AWD $430 $678 $552 $32 $166 $1,883 $157
Charger 3.5 AWD $430 $678 $552 $32 $166 $1,883 $157
Charger SXT $430 $678 $552 $32 $166 $1,883 $157
Charger SXT AWD $430 $678 $552 $32 $166 $1,883 $157
Charger Rallye $430 $678 $552 $32 $166 $1,883 $157
Charger R/T $430 $780 $552 $32 $166 $1,985 $165
Charger Rallye AWD $430 $780 $552 $32 $166 $1,985 $165
Charger R/T AWD $474 $780 $552 $32 $166 $2,029 $169
Charger SRT-8 $474 $780 $552 $32 $166 $2,029 $169
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Dodge Charger insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $348 $546 $552 $32 $166 $1,644 $137
Charger $348 $546 $552 $32 $166 $1,644 $137
Charger AWD $348 $546 $552 $32 $166 $1,644 $137
Charger 3.5 AWD $348 $546 $552 $32 $166 $1,644 $137
Charger SXT $348 $546 $552 $32 $166 $1,644 $137
Charger SXT AWD $348 $546 $552 $32 $166 $1,644 $137
Charger Rallye $348 $546 $552 $32 $166 $1,644 $137
Charger R/T $348 $630 $552 $32 $166 $1,728 $144
Charger Rallye AWD $348 $630 $552 $32 $166 $1,728 $144
Charger R/T AWD $384 $630 $552 $32 $166 $1,764 $147
Charger SRT-8 $384 $630 $552 $32 $166 $1,764 $147
Get Your Own Customized Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in vehicle garaging location which can decrease or increase insurance rates substantially.

Based on the figures above, using a $250 deductible costs approximately $21 more each month or $252 each year across all Dodge Charger models than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 12 months between claims, you would most likely save money if you elect the higher deductible. The table below shows a better example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $161
Average monthly premium for $500 deductibles (subtract): – $140
Monthly savings from raising deductible: $21
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

One thing to note is that raising deductibles to save money means you will have to cover more of the damage yourself when you file a claim. You must have enough extra savings in the event you need to pay the higher deductible in order to repair your vehicle.

The information below shows how different deductible levels and can affect Dodge Charger insurance premiums for different insured age categories. The information is based on a single male driver, full coverage, and no discounts are factored in.

Car insurance premiums by gender

The chart below compares Dodge Charger insurance costs for male and female drivers. The data assumes no violations or claims, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are taken into consideration.

Does it make sense to buy full coverage?

The diagram below shows the difference between Dodge Charger insurance costs with and without full coverage. The data is based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are factored in.

When to drop comprehensive and collision coverage

There isn’t a written rule to stop buying comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s assume your Dodge Charger claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after you pay the deductible. If it’s costing in excess of $700 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Get More Affordable Insurance Premiums by Understanding These Factors

Many factors are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are not quite as obvious like your continuous coverage or your vehicle rating. An important part of buying insurance is that you know some of the elements that are used to determine the price you pay for auto insurance. If you have a feel for what determines premiums, this helps enable you to make changes that may reward you with big savings.

Discounts mean cheaper rates for Dodge Charger insurance in Los Angeles

Insurance can cost an arm and a leg, but there could be significant discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you get a quote, but a few must be requested specifically prior to receiving the credit. If you do not check that you are getting every discount possible, you could be saving more on your insurance.Save money with discounts

Just know that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts should definitely cut your insurance premiums.

The diagram below illustrates the comparison of Dodge Charger auto insurance costs with and without discounts applied to the premium. The rate quotes are based on a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, claim-free, homeowner, and safe-driver discounts applied.

Large insurance companies and some of their more popular discounts can be read below.

If you want inexpensive Los Angeles car insurance quotes, ask every company which credits you are entitled to. Some credits may not apply to policyholders everywhere. If you would like to view providers with the best Dodge Charger insurance discounts in Los Angeles, follow this link.

Local Los Angeles insurance agents

Many people prefer to visit with an insurance agent and that can be a smart move Agents can help determine the best coverages and will help you if you have claims. The best thing about comparing auto insurance online is the fact that drivers can get lower rates but still work with a licensed agent. Buying from and supporting neighborhood agents is important particularly in Los Angeles.

Find insurance agent in Los AngelesTo find an agent, once you fill out this form (opens in new window), the coverage information gets sent to local insurance agents who can give free rate quotes for your coverage. It’s much easier because you don’t need to even leave your home because prices are sent directly to you. In the event you want to get a comparison quote from one company in particular, just visit that company’s website and complete a quote there.

Los Angeles auto insurance agents come in two flavors

If you are wanting to find a good Los Angeles insurance agent, you must know there are a couple types of agencies and how they can service your needs differently. Auto insurance agencies can be classified as either exclusive or independent. Either type can sell and service auto insurance coverage, but it’s good to learn the difference between them because it can influence which agent you choose.

Independent Agents

Independent agents can quote rates with many companies and that is an advantage because they can write policies with multiple insurance companies and get the cheapest rates. If prices rise, an independent agent can move your coverage which is easy for the insured. When comparing rate quotes, you should always include a few independent agents to have the best price comparison.

The following is a list of independent insurance agencies in Los Angeles who may provide free auto insurance quotes.

1081 Westwood Blvd Suite 218Los Angeles, CA 90024(310) 208-3548View Map

1601 S La Brea AveLos Angeles, CA 90019(323) 933-9888View Map

5331 N Figueroa StLos Angeles, CA 90042(323) 550-1444View Map

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Exclusive Auto Insurance Agents

Exclusive agents have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agencies are very knowledgeable on what they offer which can be an advantage.

Below are exclusive agencies in Los Angeles that can give you price quotes.

7154 Melrose AveLos Angeles, CA 90046(323) 931-1466View Map

318 1/2 S La Brea Ave #2Los Angeles, CA 90036(323) 932-2557View Map

12245 California Route 2Los Angeles, CA 90025(310) 826-8700View Map

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Choosing the best car insurance agent requires more thought than just the quoted price. The following questions are important to ask.

Affordable coverage is out there

Throughout this article, we presented quite a bit of information on how to reduce Dodge Charger insurance car insurance rates online in Los Angeles. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the best car insurance rates are with the smaller companies. Regional companies may often insure only within specific states and give better rates compared to the large companies like Progressive and GEICO.

The cheapest Dodge Charger insurance in Los Angeles can be purchased online as well as from independent agents in Los Angeles, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies don’t offer rates over the internet and these regional carriers provide coverage only through independent agents.

As you shop your coverage around, do not skimp on coverage in order to save money. There have been many cases where an insured dropped liability coverage limits only to find out that it was a big error on their part. The proper strategy is to buy enough coverage at the lowest possible cost, not the least amount of coverage.

Additional information can be read at the links below