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.

Average insurance prices for a Dodge Challenger are $1,342 every 12 months for full coverage insurance. Comprehensive insurance costs around $254, collision insurance costs $374, and liability coverage is estimated at $534. A liability-only policy costs approximately $588 a year, and high-risk insurance costs $2,888 or more. Teenage drivers receive the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,342

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Challenger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Dodge Challenger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $797
• Choosing higher $1,000 deductibles can save about $146 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,342
• Using more expensive low deductibles for comp and collision coverage costs an extra $272 each year
• Drivers who are prone to accidents and violations could pay at least $2,888
• The cost to insure a teenage driver with full coverage can be $5,214 each year

View Chart as Image

Insurance rates for a Dodge Challenger can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $420 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Dodge Challenger insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,810 on average in Michigan, New York, and Florida.

View Chart as Image

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 Dodge Challenger Insurance

Saving money on auto insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates at least every other year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief recap of the car insurance concepts covered in the above illustrations.

• Drivers who tend to receive serious violations may pay on average $1,550 more every year to insure a Dodge Challenger
• It is possible to save up to $160 per year just by shopping early and online
• Increasing deductibles could save as much as $425 each year
• Consumers who may need increased liability limits will pay an extra $590 annually to raise limits from a minimum limit to a 250/500 level

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