Dodge Challenger Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 12, 2024

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Dodge Challenger insurance
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 rates for a Dodge Challenger are $1,364 a year including full coverage. Comprehensive insurance costs around $260, collision costs $400, and liability insurance costs around $524. Liability-only insurance costs as low as $580 a year, with high-risk driver insurance costing $2,940 or more. Teen drivers cost the most to insure at $5,282 a year or more.

Average premium for full coverage: $1,364

Policy rates for type of insurance:

Comprehensive $260
Collision $400
Liability $524

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Challenger models.

Price Range Variability

Using a 40-year-old driver as an example, Dodge Challenger insurance rates go from as low as $580 for just liability insurance to the much higher price of $2,940 for a high-risk insurance policy.

Liability Only $580
Full Coverage $1,364
High Risk $2,940

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

The examples above highlight why everyone should compare prices for a specific zip code and risk profile, rather than relying on price averages.

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.

More Rate Details

The chart below breaks down estimated Dodge Challenger insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $806
  • Using higher $1,000 deductibles will save about $150 every year
  • The average rate for a good driver age 40 using $500 deductibles is $1,364
  • Choosing pricier low deductibles for physical damage coverage will cost an extra $288 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,940 or more
  • Policy cost for full coverage for a teen driver for full coverage can be $5,282 or more

View Chart as Image

Dodge Challenger insurance cost comparison chart
Column chart showing full coverage Dodge Challenger insurance prices range from $806 to $5,282

Auto insurance rates for a Dodge Challenger also range considerably based on your risk profile, the model of your Challenger, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age

Your home state has a huge impact on Dodge Challenger insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,950 on average in Michigan, New York, and Louisiana.

Dodge Challenger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,232 -$132 -9.7%
Alaska $1,046 -$318 -23.3%
Arizona $1,134 -$230 -16.9%
Arkansas $1,364 -$0 0.0%
California $1,554 $190 13.9%
Colorado $1,302 -$62 -4.5%
Connecticut $1,400 $36 2.6%
Delaware $1,544 $180 13.2%
Florida $1,706 $342 25.1%
Georgia $1,260 -$104 -7.6%
Hawaii $976 -$388 -28.4%
Idaho $924 -$440 -32.3%
Illinois $1,016 -$348 -25.5%
Indiana $1,030 -$334 -24.5%
Iowa $920 -$444 -32.6%
Kansas $1,294 -$70 -5.1%
Kentucky $1,860 $496 36.4%
Louisiana $2,018 $654 47.9%
Maine $842 -$522 -38.3%
Maryland $1,124 -$240 -17.6%
Massachusetts $1,090 -$274 -20.1%
Michigan $2,368 $1,004 73.6%
Minnesota $1,142 -$222 -16.3%
Mississippi $1,634 $270 19.8%
Missouri $1,208 -$156 -11.4%
Montana $1,466 $102 7.5%
Nebraska $1,074 -$290 -21.3%
Nevada $1,638 $274 20.1%
New Hampshire $984 -$380 -27.9%
New Jersey $1,524 $160 11.7%
New Mexico $1,206 -$158 -11.6%
New York $1,436 $72 5.3%
North Carolina $786 -$578 -42.4%
North Dakota $1,118 -$246 -18.0%
Ohio $942 -$422 -30.9%
Oklahoma $1,398 $34 2.5%
Oregon $1,248 -$116 -8.5%
Pennsylvania $1,300 -$64 -4.7%
Rhode Island $1,820 $456 33.4%
South Carolina $1,238 -$126 -9.2%
South Dakota $1,152 -$212 -15.5%
Tennessee $1,194 -$170 -12.5%
Texas $1,642 $278 20.4%
Utah $1,008 -$356 -26.1%
Vermont $934 -$430 -31.5%
Virginia $816 -$548 -40.2%
Washington $1,052 -$312 -22.9%
West Virginia $1,250 -$114 -8.4%
Wisconsin $944 -$420 -30.8%
Wyoming $1,216 -$148 -10.9%

View Chart as Image

Dodge Challenger insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $440 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $471 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,600 to $2,300 in extra premium every year, depending on your age. Dodge Challenger insurance for high-risk drivers can be anywhere from 44% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Dodge Challenger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Challenger SE $1,284 $107
Dodge Challenger R/T $1,364 $114
Dodge Challenger SRT-8 $1,454 $121

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.

Dodge Challenger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Dodge Challenger $384 $660 $440 $1,664
2022 Dodge Challenger $370 $656 $450 $1,656
2021 Dodge Challenger $356 $640 $470 $1,646
2020 Dodge Challenger $344 $612 $486 $1,622
2019 Dodge Challenger $326 $592 $500 $1,598
2018 Dodge Challenger $312 $548 $510 $1,550
2017 Dodge Challenger $300 $516 $514 $1,510
2016 Dodge Challenger $288 $464 $520 $1,452
2015 Dodge Challenger $270 $426 $520 $1,396
2014 Dodge Challenger $260 $400 $524 $1,364
2013 Dodge Challenger $254 $374 $534 $1,342
2012 Dodge Challenger $234 $346 $534 $1,294
2011 Dodge Challenger $228 $314 $540 $1,262
2010 Dodge Challenger $212 $288 $534 $1,214
2009 Dodge Challenger $200 $262 $534 $1,176

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 Cheap Dodge Challenger Insurance

Finding cheaper rates on Dodge Challenger insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the car insurance concepts raised in the charts and tables above.

  • High-risk drivers that tend to have accidents or serious violations pay on average $1,580 more every year for car insurance
  • You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $450 each year
  • Drivers who may need higher liability limits will pay about $580 per year to increase from a 30/60 limit to 250/500 limits

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

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

Rates by Driver Age

Dodge Challenger Insurance Rates by Driver Age
Driver Age Premium
16 $5,282
20 $3,124
30 $1,404
40 $1,364
50 $1,250
60 $1,224

Full coverage, $500 deductibles

Rates by Deductible

Dodge Challenger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,652
$250 $1,520
$500 $1,364
$1,000 $1,214

Full coverage, driver age 40

Rates by Liability Limit

Dodge Challenger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,364
50/100 $1,559
100/300 $1,690
250/500 $2,030
100 CSL $1,611
300 CSL $1,899
500 CSL $2,109

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Challenger Insurance Rates for High Risk Drivers
Age Premium
16 $7,492
20 $4,978
30 $2,982
40 $2,940
50 $2,808
60 $2,782

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 $186

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $73
Homeowner $22
5-yr Accident Free $91
5-yr Claim Free $87
Paid in Full/EFT $56
Advance Quote $63
Online Quote $95
Total Discounts $558
Rate after discounts $806

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

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