Dodge Challenger Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 2, 2022

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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.

Average insurance rates for a Dodge Challenger are $1,656 a year for full coverage. Comprehensive costs on average $370 a year, collision costs $656, and liability insurance costs $450. A liability-only policy costs as little as $518 a year, with high-risk insurance costing around $3,574. Teen drivers receive the highest rates at $6,096 a year or more.

Average premium for full coverage: $1,656

Rate estimates by individual coverage type:

Comprehensive $370
Collision $656
Liability $450

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Challenger trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $518 for only liability insurance to a high of $3,574 for a high risk driver.

Liability Only $518
Full Coverage $1,656
High Risk $3,574

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,242
Small Cities $1,739
Large Cities $2,236

These examples show why it is important to compare rates based on a specific location 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $950
  • Drivers who choose higher $1,000 deductibles will pay around $1,422 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,656
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,106
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,574 or more
  • The cost for full coverage for a teen driver may cost $6,096 a year

View Chart as Image

Dodge Challenger insurance cost comparison chart
Column chart showing full coverage Dodge Challenger insurance rates range from $950 to $6,096

for a Dodge Challenger can also vary considerably based on your driver profile, the trim level of your Challenger, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $6,000 a year. View Rates by Age

Where you live makes a big difference in Dodge Challenger insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Idaho, Maine, and Iowa, or as much as $2,360 on average in Michigan, Louisiana, and New York.

Dodge Challenger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,496 -$160 -9.7%
Alaska $1,270 -$386 -23.3%
Arizona $1,374 -$282 -17.0%
Arkansas $1,656 -$0 0.0%
California $1,886 $230 13.9%
Colorado $1,578 -$78 -4.7%
Connecticut $1,700 $44 2.7%
Delaware $1,874 $218 13.2%
Florida $2,070 $414 25.0%
Georgia $1,530 -$126 -7.6%
Hawaii $1,188 -$468 -28.3%
Idaho $1,122 -$534 -32.2%
Illinois $1,232 -$424 -25.6%
Indiana $1,248 -$408 -24.6%
Iowa $1,116 -$540 -32.6%
Kansas $1,570 -$86 -5.2%
Kentucky $2,256 $600 36.2%
Louisiana $2,448 $792 47.8%
Maine $1,022 -$634 -38.3%
Maryland $1,364 -$292 -17.6%
Massachusetts $1,322 -$334 -20.2%
Michigan $2,872 $1,216 73.4%
Minnesota $1,386 -$270 -16.3%
Mississippi $1,984 $328 19.8%
Missouri $1,468 -$188 -11.4%
Montana $1,776 $120 7.2%
Nebraska $1,302 -$354 -21.4%
Nevada $1,984 $328 19.8%
New Hampshire $1,192 -$464 -28.0%
New Jersey $1,850 $194 11.7%
New Mexico $1,464 -$192 -11.6%
New York $1,742 $86 5.2%
North Carolina $954 -$702 -42.4%
North Dakota $1,354 -$302 -18.2%
Ohio $1,140 -$516 -31.2%
Oklahoma $1,696 $40 2.4%
Oregon $1,514 -$142 -8.6%
Pennsylvania $1,578 -$78 -4.7%
Rhode Island $2,206 $550 33.2%
South Carolina $1,500 -$156 -9.4%
South Dakota $1,398 -$258 -15.6%
Tennessee $1,448 -$208 -12.6%
Texas $1,992 $336 20.3%
Utah $1,226 -$430 -26.0%
Vermont $1,132 -$524 -31.6%
Virginia $992 -$664 -40.1%
Washington $1,278 -$378 -22.8%
West Virginia $1,518 -$138 -8.3%
Wisconsin $1,146 -$510 -30.8%
Wyoming $1,474 -$182 -11.0%

View Chart as Image

Dodge Challenger insurance rates by U.S. city

Choosing high deductibles could save up to $690 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $405 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,900 to $2,700 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different 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 $1,528 $127
Dodge Challenger R/T $1,656 $138
Dodge Challenger SRT-8 $1,794 $150

Rates assume 2020 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
2020 Dodge Challenger $370 $656 $450 $1,656
2017 Dodge Challenger $326 $592 $500 $1,598
2015 Dodge Challenger $300 $516 $514 $1,510
2013 Dodge Challenger $270 $426 $520 $1,396
2012 Dodge Challenger $260 $400 $524 $1,364
2010 Dodge Challenger $234 $346 $534 $1,294
2009 Dodge Challenger $228 $314 $540 $1,262

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 Cheaper Dodge Challenger Insurance

Saving money on Dodge Challenger insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $675 each year
  • Drivers can save as much as $200 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $508 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,920 more each year for 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.

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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 $6,096
20 $3,810
30 $1,730
40 $1,656
50 $1,510
60 $1,482

Full coverage, $500 deductibles

Rates by Deductible

Dodge Challenger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,106
$250 $1,896
$500 $1,656
$1,000 $1,422

Full coverage, driver age 40

Rates by Liability Limit

Dodge Challenger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,656
50/100 $1,884
100/300 $1,997
250/500 $2,289
100 CSL $1,929
300 CSL $2,177
500 CSL $2,357

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Challenger Insurance Rates for High Risk Drivers
Age Premium
16 $8,708
20 $6,058
30 $3,660
40 $3,574
50 $3,408
60 $3,378

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 $230

Potential Rate Discounts

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

Discount Savings
Multi-policy $89
Multi-vehicle $86
Homeowner $24
5-yr Accident Free $123
5-yr Claim Free $107
Paid in Full/EFT $77
Advance Quote $82
Online Quote $118
Total Discounts $706
Rate after discounts $950

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

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