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.

U.S. average insurance rates for a Dodge Challenger are $1,342 a year with full coverage. Comprehensive costs approximately $254 a year, collision costs $374, and liability insurance costs $534. A policy with just liability insurance costs as little as $588 a year, with coverage for high-risk drivers costing around $2,888. Teenage drivers pay the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,342

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Challenger trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location, rather than relying on average rates.

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

Additional Charts and Tables

The chart below details estimated Dodge Challenger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $797
• Drivers who choose higher $1,000 deductibles will pay $1,196 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,342
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,614
• High risk drivers who are prone to accidents and violations could pay around $2,888 or more
• The price that insures a teen driver can cost $5,214 a year

View Chart as Image

Insurance prices for a Dodge Challenger are also quite variable based on the trim level of your Challenger, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in makes a big difference in Dodge Challenger insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,810 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $420 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so the prices may be quite different.

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 Find Cheap Dodge Challenger Insurance

Getting lower rates on Dodge Challenger insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every year by requesting rates from direct companies, and also from local insurance agencies.

The list below is a brief summary of the coverage data touched on above.

• You may be able to save around $160 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $425 each year
• Teenagers are expensive to insure, costing up to $435 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,550 more per year for car insurance

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