Save Money on Dodge Charger Insurance in Raleigh

Discount Dodge Charger insuranceSearching for the cheapest Dodge Charger insurance in Raleigh? Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Don’t sweat it because many Raleigh drivers have buyer’s remorse.

It’s amazing but a large majority of consumers have stayed with the same insurance company for a minimum of four years, and just short of a majority have never compared quotes from other companies. Many consumers in Raleigh could pocket roughly 10% a year by just comparing rate quotes, but they won’t spend time to compare rate quotes. Companies like Allstate and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

You should take the time to shop coverage around once or twice a year because prices tend to go up over time. Even if you got the best rates on Dodge Charger insurance in Raleigh a couple years back there is a good chance you can find better premium rates now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the easiest ways to get good coverage on Dodge Charger insurance in Raleigh at a lower rate.

If you are insured now or are looking for a new policy, take advantage of these tips to get lower rates without sacrificing coverage. Locating the best rates in Raleigh can be much easier if you know how to start. Drivers only need to know the proper methods to compare different rates online.

How to buy Dodge Charger insurance in Raleigh

The companies shown below can provide free rate quotes in Raleigh, NC. To get cheaper car insurance in Raleigh, we suggest you visit as many as you can to get the lowest price.

Premium rates and analysis

The rate information shown next covers detailed analysis of insurance policy prices for Dodge Charger models. Having a better understanding of how car insurance prices are established is important for drivers to make informed decisions when comparing rates.


Dodge Charger Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $190 $302 $318 $18 $96 $924 $77
Charger $190 $302 $318 $18 $96 $924 $77
Charger AWD $190 $302 $318 $18 $96 $924 $77
Charger 3.5 AWD $190 $302 $318 $18 $96 $924 $77
Charger SXT $190 $302 $318 $18 $96 $924 $77
Charger SXT AWD $190 $302 $318 $18 $96 $924 $77
Charger Rallye $190 $302 $318 $18 $96 $924 $77
Charger R/T $190 $348 $318 $18 $96 $970 $81
Charger Rallye AWD $190 $348 $318 $18 $96 $970 $81
Charger R/T AWD $210 $348 $318 $18 $96 $990 $83
Charger SRT-8 $210 $348 $318 $18 $96 $990 $83
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Table data does not factor in Raleigh location which can change insurance rates noticeably.

Raise deductibles and save

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The following insurance rates summarize how much more rates are when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.


Dodge Charger insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $242 $382 $312 $18 $94 $1,073 $89
Charger $242 $382 $312 $18 $94 $1,073 $89
Charger AWD $242 $382 $312 $18 $94 $1,073 $89
Charger 3.5 AWD $242 $382 $312 $18 $94 $1,073 $89
Charger SXT $242 $382 $312 $18 $94 $1,073 $89
Charger SXT AWD $242 $382 $312 $18 $94 $1,073 $89
Charger Rallye $242 $382 $312 $18 $94 $1,073 $89
Charger R/T $242 $440 $312 $18 $94 $1,131 $94
Charger Rallye AWD $242 $440 $312 $18 $94 $1,131 $94
Charger R/T AWD $266 $440 $312 $18 $94 $1,155 $96
Charger SRT-8 $266 $440 $312 $18 $94 $1,155 $96
Get Your Own Custom Quote Go

Dodge Charger insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $150 $240 $312 $18 $94 $814 $68
Charger $150 $240 $312 $18 $94 $814 $68
Charger AWD $150 $240 $312 $18 $94 $814 $68
Charger 3.5 AWD $150 $240 $312 $18 $94 $814 $68
Charger SXT $150 $240 $312 $18 $94 $814 $68
Charger SXT AWD $150 $240 $312 $18 $94 $814 $68
Charger Rallye $150 $240 $312 $18 $94 $814 $68
Charger R/T $150 $276 $312 $18 $94 $850 $71
Charger Rallye AWD $150 $276 $312 $18 $94 $850 $71
Charger R/T AWD $164 $276 $312 $18 $94 $864 $72
Charger SRT-8 $164 $276 $312 $18 $94 $864 $72
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in vehicle location which can revise coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $22 more each month or $264 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 34 months between claim filings, you would more than likely save some money if you elect the higher deductible. Here’s an example of how this calculation is made.

Average monthly premium for $250 deductibles: $91
Average monthly premium for $1,000 deductibles (subtract): – $69
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One thing to note is that increasing deductibles to save money means you will have to cover more of the damage yourself when you have a physical damage claim. That will require enough money in the bank in order to pay the deductible to have repairs made.

How accidents and violations affect rates in Raleigh

The diagram below highlights how speeding tickets and accident claims can affect Dodge Charger car insurance costs for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

How do I know if I need professional advice?

Always remember that when buying insurance from an agent or online, there really is not a perfect coverage plan. Each situation is unique.Higher deductibles save money

Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

What if I want to buy from local Raleigh car insurance agents?

A small number of people just want to have an agent’s advice. Insurance agents will help you protect your assets and help you file claims. A nice benefit of getting free rate quotes online is that you can find cheap car insurance quotes but still work with a licensed agent. And buying from local insurance agents is still important in Raleigh.

Raleigh insurance agentsFor easy comparison, once you complete this quick form, the quote information is emailed to participating agents in Raleigh who will gladly provide quotes for your coverage. You won’t need to do any legwork due to the fact that quote results will go to you. If for some reason you want to get a price quote for a specific company, you can always visit that company’s website and complete a quote there.

Exclusive agents vs. Independent agents

When researching a local agent, you should know the different agency structures and how they function. Agents in Raleigh are either independent or exclusive. Either can insure your vehicles properly, but we need to point out the subtle differences since it could factor into your agent selection.

Independent Car Insurance Agents

Independent agencies are appointed with more than one company so they can write business with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they can switch companies in-house and you won’t have to switch agencies. If you are comparing rate quotes, we highly recommend that you contact independent agents for maximum quote selection.

Below is a small list of independent agencies in Raleigh who may be able to give you price quotes.


557 Pylon Dr aRaleigh, NC 27606(919) 833-3803View Map


617 Oberlin RdRaleigh, NC 27605(919) 571-4335View Map


101 Weston Oaks CtCary, NC 27513(919) 828-4371View Map

More Raleigh agents

Exclusive Agents

Exclusive agencies can only quote rates from one company and examples are Allstate, State Farm and Farmers Insurance. These agents are not able to give you multiple price quotes so always compare other rates. These agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Below is a list of exclusive agencies in Raleigh that are able to give rate quotes.


5910 Duraleigh Rd #135Raleigh, NC 27612(919) 834-3615View Map


1620 Martin Luther King Jr Blvd #104Raleigh, NC 27610(919) 250-3606View Map


5011 Falls of Neuse Rd ARaleigh, NC 27609(919) 862-1300View Map

More Raleigh agents

Finding the right car insurance agent is decision based upon more than just the price. Agents should be asked these questions: