Dodge Challenger Insurance Rates

Need help finding the average insurance cost for a Dodge Challenger? Or find yourself asking, “Is a Dodge Challenger expensive to insure?” or “Is a Dodge Challenger a sports car for insurance?” (the answer is yes). A full-coverage policy for a Dodge Challenger costs $1,692 a year or $141 a month. Our guide breaks down Dodge Challenger insurance costs so drivers can save.

Read on to learn more about cheap Challenger vehicle insurance and savings (keep in mind that this guide is for US rates, it does not cover Dodge Challenger insurance in the UK).

Want to start shopping for Dodge Challenger insurance rates right away? Enter your ZIP code to find the average insurance cost for your Dodge Challenger.

The average insurance prices for a Dodge Challenger are $1,342 every 12 months with full coverage. Comprehensive insurance costs on average $254 each year, collision costs $374, and liability is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing $2,888 or more. Teenage drivers cost the most to insure at $5,214 a year or more.

Average premium for full coverage: $1,342

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Challenger models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how location helps determine car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location and their own driving history, instead of using average rates.

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

More Rate Details

The chart below details estimated Dodge Challenger insurance rates for different risk profiles and scenarios.

• The best discount rate is $797
• Raising to $1,000 deductibles will save around $146 annually
• The average price for a good driver age 40 with $500 deductibles is $1,342
• Using low deductibles costs an extra $272 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,888 or more
• Policy cost to insure a teen driver may cost $5,214

View Chart as Image

Auto insurance rates for a Dodge Challenger also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Challenger.

Using high physical damage deductibles can reduce rates by up to $420 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Dodge Challenger insurance prices. A middle-age driver might find rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,810 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2014 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 Shop for the Best Cheap Dodge Challenger Insurance

Finding cheaper rates on car insurance consists of being a good driver, having a good credit score, not filing small claims, and taking advantage of discounts. Invest time comparing rates every other policy renewal by requesting rates from direct companies, and also from local exclusive and independent agents.

The following list is a quick review of the ideas that were covered in the charts and tables above.

• Drivers age 16 to 20 are charged the highest rates, as much as $435 each month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,550 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• You may be able to save as much as $160 per year simply by quoting online in advance

To wrap things up, we wanted to answer a few common questions. First, do Dodge Challengers have a lot of problems? Carcomplaints.com named the 2012 Dodge Challenger the worst model released to date for car problems, so we recommend staying away from that year.

Second, is Dodge Challenger a good car? Cars.com has it ranked in the top half for best sports car. It’s a classic that you typically can’t go wrong with as long as you know what to expect.

Dodge Challenger car insurance can be expensive if drivers have poor records or are young. Getting quotes will help you save on Dodge Challenger insurance prices, whether it’s 2016 Dodge Challenger insurance costs or 2012 Dodge Challenger insurance costs.

Want to find out how much does insurance cost for a Dodge Challenger? Enter your ZIP code in our free tool below.

What are the safety ratings of the Dodge Challenger?

Wondering how much does a 2014 dodge challenger cost? The Dodge Challenger average price of insurance can vary based on safety features, and newer models usually have better features. The Dodge Challenger has multiple airbags, brake assist, electronic stability control, blind-spot monitoring, and more.

Crash-test ratings from the Insurance Institute for Highway Safety (IIHS) will also affect how much it is to insure a Dodge Challenger.

• Small overlap front (driver-side): Marginal
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Acceptable

Good is the highest rating, so the Dodge Challenger didn’t do great overall. This can affect the price of insurance on a Challenger. The video below shows a crash test on the Dodge Challenger.

Dodge Challenger Compared Against Other Vehicles in the Same Class

The Dodge Challenger is a large, two-door car. Challenger insurance companies care about liability losses. If the losses are bad, it will be hard to find cheap rates. Unfortunately, the IIHS recorded the liability losses for the Dodge challenger as substantially worse than average.

To see how Dodge Challenger’s rates compare to other vehicles in the same class, take a look at the cars below.

• Audi S5 Insurance Rates
• Nissan GT-R Insurance Rates

Are you still aren’t sure how much would insurance be on a Dodge Challenger or are dodge challengers expensive to insure? Get quotes to find how much does a Dodge Challenger cost to insure.

Getting quotes will also allow you to research Dodge Hellcat insurance costs, Dodge Challenger SXT insurance costs, Dodge Challenger Scat Pack insurance costs, insurance for a Dodge Demon, and much more!

Enter your ZIP code to get started on finding great rates for you Dodge Challenger.

Reference

1. https://www.iihs.org/ratings/vehicle/dodge/challenger-2-door-coupe/2020