Dodge Challenger Insurance Rates
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Michelle Robbins
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UPDATED: Apr 12, 2024
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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.
U.S. average insurance rates for a Dodge Challenger are $1,342 a year for full coverage insurance. Comprehensive costs around $254 a year, collision insurance costs $374, and liability insurance is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs around $2,888. Teens pay the highest rates at up to $5,214 a year.
Average premium for full coverage: $1,342
Price estimates for individual coverage:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Challenger trim levels.
Price Range from Low to High
For a driver in their 40's, Dodge Challenger insurance prices range from the low end price of $588 for liability-only coverage to a high of $2,888 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.
The ranges above illustrate why it is important to compare rates quotes for a specific zip code, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates average Dodge Challenger insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $797
- Raising to $1,000 deductibles will save about $1,196 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,342
- Selecting low $100 deductibles bumps up the cost to $1,614
- Higher-risk drivers with serious driving violations could pay at least $2,888
- The price that insures a teen driver can be $5,214
Auto insurance prices for a Dodge Challenger are also quite variable based on the trim level of your Challenger, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age
The state you live in also has a big influence on Dodge Challenger insurance rates. A middle-age driver might find prices as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,810 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,214 | -$128 | -9.5% |
| Alaska | $1,028 | -$314 | -23.4% |
| Arizona | $1,114 | -$228 | -17.0% |
| Arkansas | $1,342 | -$0 | 0.0% |
| California | $1,528 | $186 | 13.9% |
| Colorado | $1,278 | -$64 | -4.8% |
| Connecticut | $1,378 | $36 | 2.7% |
| Delaware | $1,516 | $174 | 13.0% |
| Florida | $1,676 | $334 | 24.9% |
| Georgia | $1,238 | -$104 | -7.7% |
| Hawaii | $962 | -$380 | -28.3% |
| Idaho | $908 | -$434 | -32.3% |
| Illinois | $996 | -$346 | -25.8% |
| Indiana | $1,014 | -$328 | -24.4% |
| Iowa | $906 | -$436 | -32.5% |
| Kansas | $1,272 | -$70 | -5.2% |
| Kentucky | $1,828 | $486 | 36.2% |
| Louisiana | $1,986 | $644 | 48.0% |
| Maine | $828 | -$514 | -38.3% |
| Maryland | $1,108 | -$234 | -17.4% |
| Massachusetts | $1,070 | -$272 | -20.3% |
| Michigan | $2,326 | $984 | 73.3% |
| Minnesota | $1,122 | -$220 | -16.4% |
| Mississippi | $1,606 | $264 | 19.7% |
| Missouri | $1,190 | -$152 | -11.3% |
| Montana | $1,438 | $96 | 7.2% |
| Nebraska | $1,058 | -$284 | -21.2% |
| Nevada | $1,610 | $268 | 20.0% |
| New Hampshire | $966 | -$376 | -28.0% |
| New Jersey | $1,500 | $158 | 11.8% |
| New Mexico | $1,186 | -$156 | -11.6% |
| New York | $1,410 | $68 | 5.1% |
| North Carolina | $772 | -$570 | -42.5% |
| North Dakota | $1,100 | -$242 | -18.0% |
| Ohio | $924 | -$418 | -31.1% |
| Oklahoma | $1,374 | $32 | 2.4% |
| Oregon | $1,228 | -$114 | -8.5% |
| Pennsylvania | $1,278 | -$64 | -4.8% |
| Rhode Island | $1,788 | $446 | 33.2% |
| South Carolina | $1,216 | -$126 | -9.4% |
| South Dakota | $1,132 | -$210 | -15.6% |
| Tennessee | $1,172 | -$170 | -12.7% |
| Texas | $1,616 | $274 | 20.4% |
| Utah | $992 | -$350 | -26.1% |
| Vermont | $918 | -$424 | -31.6% |
| Virginia | $802 | -$540 | -40.2% |
| Washington | $1,034 | -$308 | -23.0% |
| West Virginia | $1,228 | -$114 | -8.5% |
| Wisconsin | $928 | -$414 | -30.8% |
| Wyoming | $1,194 | -$148 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $420 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,264 | $105 |
| Dodge Challenger R/T | $1,342 | $112 |
| Dodge Challenger SRT-8 | $1,426 | $119 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Challenger | $370 | $656 | $450 | $1,656 |
| 2022 Dodge Challenger | $356 | $640 | $470 | $1,646 |
| 2021 Dodge Challenger | $344 | $612 | $486 | $1,622 |
| 2020 Dodge Challenger | $326 | $592 | $500 | $1,598 |
| 2019 Dodge Challenger | $312 | $548 | $510 | $1,550 |
| 2018 Dodge Challenger | $300 | $516 | $514 | $1,510 |
| 2017 Dodge Challenger | $288 | $464 | $520 | $1,452 |
| 2016 Dodge Challenger | $270 | $426 | $520 | $1,396 |
| 2015 Dodge Challenger | $260 | $400 | $524 | $1,364 |
| 2014 Dodge Challenger | $254 | $374 | $534 | $1,342 |
| 2013 Dodge Challenger | $234 | $346 | $534 | $1,294 |
| 2012 Dodge Challenger | $228 | $314 | $540 | $1,262 |
| 2011 Dodge Challenger | $212 | $288 | $534 | $1,214 |
| 2010 Dodge Challenger | $200 | $262 | $534 | $1,176 |
| 2009 Dodge Challenger | $194 | $234 | $530 | $1,138 |
Rates are averaged for all Dodge Challenger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Dodge Challenger Insurance
Getting lower rates on Dodge Challenger insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare rates every couple of years by requesting rates from direct insurance companies, and also from insurance agencies where you live.
Below is a review of the material that was covered in the charts and tables above.
- Drivers who may need higher levels of liability will pay approximately $590 annually to raise from a low limit to the 250/500 level
- Teenage drivers are expensive to insure, as much as $435 a month if the policy includes full coverage
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,550 more every year for auto insurance
- Increasing physical damage deductibles can save approximately $425 each year
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.
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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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,214 |
| 20 | $3,064 |
| 30 | $1,378 |
| 40 | $1,342 |
| 50 | $1,228 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,614 |
| $250 | $1,488 |
| $500 | $1,342 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,342 |
| 50/100 | $1,533 |
| 100/300 | $1,666 |
| 250/500 | $2,013 |
| 100 CSL | $1,586 |
| 300 CSL | $1,880 |
| 500 CSL | $2,094 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,390 |
| 20 | $4,884 |
| 30 | $2,928 |
| 40 | $2,888 |
| 50 | $2,758 |
| 60 | $2,730 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $71 |
| Homeowner | $22 |
| 5-yr Accident Free | $88 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $54 |
| Advance Quote | $62 |
| Online Quote | $93 |
| Total Discounts | $545 |
Discounts are estimated and may not be available from every company or in every state.
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