Dodge Challenger R/T Insurance Rates

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Average auto insurance rates for a Dodge Challenger R/T are $1,698 annually for full coverage insurance. Comprehensive costs an estimated $410 each year, collision costs $698, and liability coverage costs $410. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing around $3,652. Teen drivers receive the highest rates at $6,136 a year or more.

Annual premium for full coverage: $1,698

Rate estimates broken down by individual coverage:

Comprehensive $410
Collision $698
Liability $410

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Challenger Trim Level

For the average 40-year-old driver, prices go from as cheap as $486 for your basic liability-only policy to a high rate of $3,652 for coverage for higher-risk drivers.

Liability Only $486
Full Coverage $1,698
High Risk $3,652

Price Range by Location

Your location has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.

The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $1,274
Small Cities $1,783
Large Cities $2,292

These differences illustrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using price averages.

Use the form below to get rates for your location.

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Auto insurance rates for a Dodge Challenger R/T can also vary considerably based on the model year of your Challenger, your risk profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,600 per year on average for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they will have to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $2,000 to $2,700 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $740 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $369 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Dodge Challenger R/T insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

With so much variability in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.

View Chart as Image

Dodge Challenger R/T insurance cost comparison chart
Column chart showing Dodge Challenger R/T insurance prices range from $975 to $6,136 for full coverage

The chart estimates Dodge Challenger R/T insurance prices for different situations. The cheapest price with discounts is $975. Drivers who choose higher $1,000 deductibles will pay about $1,446. The average price for a driver around age 40 using $500 deductibles is $1,698. Using lower $100 deductibles for physical damage coverage can cost as much as $2,186. High risk drivers could be charged as much as $3,652. The policy rate for full coverage insurance for a teenage driver is $6,136.

Dodge Challenger R/T Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,534 -$164 -9.7%
Alaska $1,302 -$396 -23.3%
Arizona $1,410 -$288 -17.0%
Arkansas $1,698 -$0 0.0%
California $1,936 $238 14.0%
Colorado $1,620 -$78 -4.6%
Connecticut $1,746 $48 2.8%
Delaware $1,922 $224 13.2%
Florida $2,124 $426 25.1%
Georgia $1,568 -$130 -7.7%
Hawaii $1,218 -$480 -28.3%
Idaho $1,150 -$548 -32.3%
Illinois $1,264 -$434 -25.6%
Indiana $1,282 -$416 -24.5%
Iowa $1,146 -$552 -32.5%
Kansas $1,612 -$86 -5.1%
Kentucky $2,316 $618 36.4%
Louisiana $2,516 $818 48.2%
Maine $1,048 -$650 -38.3%
Maryland $1,400 -$298 -17.6%
Massachusetts $1,356 -$342 -20.1%
Michigan $2,948 $1,250 73.6%
Minnesota $1,422 -$276 -16.3%
Mississippi $2,036 $338 19.9%
Missouri $1,506 -$192 -11.3%
Montana $1,824 $126 7.4%
Nebraska $1,340 -$358 -21.1%
Nevada $2,038 $340 20.0%
New Hampshire $1,226 -$472 -27.8%
New Jersey $1,900 $202 11.9%
New Mexico $1,504 -$194 -11.4%
New York $1,788 $90 5.3%
North Carolina $978 -$720 -42.4%
North Dakota $1,392 -$306 -18.0%
Ohio $1,172 -$526 -31.0%
Oklahoma $1,742 $44 2.6%
Oregon $1,556 -$142 -8.4%
Pennsylvania $1,618 -$80 -4.7%
Rhode Island $2,264 $566 33.3%
South Carolina $1,540 -$158 -9.3%
South Dakota $1,434 -$264 -15.5%
Tennessee $1,484 -$214 -12.6%
Texas $2,044 $346 20.4%
Utah $1,256 -$442 -26.0%
Vermont $1,162 -$536 -31.6%
Virginia $1,016 -$682 -40.2%
Washington $1,310 -$388 -22.9%
West Virginia $1,556 -$142 -8.4%
Wisconsin $1,176 -$522 -30.7%
Wyoming $1,514 -$184 -10.8%

View Chart as Image

Dodge Challenger R/T insurance rates by U.S. city

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Rates by Driver Age

Dodge Challenger R/T Insurance Rates by Driver Age
Driver Age Premium
16 $6,136
20 $3,890
30 $1,780
40 $1,698
50 $1,548
60 $1,518

Full coverage, $500 deductibles

Rates by Deductible

Dodge Challenger R/T Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,186
$250 $1,960
$500 $1,698
$1,000 $1,446

Full coverage, driver age 40

Rates by Liability Limit

Dodge Challenger R/T Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,698
50/100 $1,780
100/300 $1,883
250/500 $2,149
100 CSL $1,821
300 CSL $2,047
500 CSL $2,211

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Challenger R/T Insurance Rates for High Risk Drivers
Age Premium
16 $8,776
20 $6,172
30 $3,746
40 $3,652
50 $3,480
60 $3,448

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.

SR-22 Surcharge $233

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $91
Multi-vehicle $86
Homeowner $23
5-yr Accident Free $128
5-yr Claim Free $109
Paid in Full/EFT $80
Advance Quote $85
Online Quote $121
Total Discounts $723
Rate after discounts $975

Discounts are estimated and may not be available from every company or in every state.

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