Dodge Challenger Insurance Rates
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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.
Estimated insurance rates for a Dodge Challenger are $1,262 a year including full coverage. Comprehensive costs around $228, collision costs $314, and liability coverage is $540. A liability-only policy costs around $592 a year, with high-risk insurance costing around $2,716. Teen drivers pay the most at $4,972 a year or more.
Average premium for full coverage: $1,262
Premium estimates for type of coverage:
Rates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Challenger trim levels.
Insurance Price Range by Risk and Coverage
For a middle-aged driver, insurance rates for a Dodge Challenger go from as low as $592 for just liability insurance to a much higher rate of $2,716 for a high risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates the effect of location on auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using 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 $756
- Raising to $1,000 deductibles will save about $122 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,262
- Choosing more expensive low deductibles will increase the cost to $1,500
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,716 or more
- An auto insurance policy for full coverage for a teenage driver with full coverage can be $4,972
Auto insurance prices for a Dodge Challenger also have a wide range based on your driving characteristics, the model of your Challenger, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $4,900 a year. View Rates by Age
Where you choose to live also has a big influence on Dodge Challenger insurance rates. A middle-age driver might find prices as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,800 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,140 | -$122 | -9.7% |
| Alaska | $970 | -$292 | -23.1% |
| Arizona | $1,048 | -$214 | -17.0% |
| Arkansas | $1,262 | -$0 | 0.0% |
| California | $1,438 | $176 | 13.9% |
| Colorado | $1,204 | -$58 | -4.6% |
| Connecticut | $1,296 | $34 | 2.7% |
| Delaware | $1,428 | $166 | 13.2% |
| Florida | $1,578 | $316 | 25.0% |
| Georgia | $1,166 | -$96 | -7.6% |
| Hawaii | $906 | -$356 | -28.2% |
| Idaho | $854 | -$408 | -32.3% |
| Illinois | $938 | -$324 | -25.7% |
| Indiana | $952 | -$310 | -24.6% |
| Iowa | $850 | -$412 | -32.6% |
| Kansas | $1,196 | -$66 | -5.2% |
| Kentucky | $1,720 | $458 | 36.3% |
| Louisiana | $1,868 | $606 | 48.0% |
| Maine | $778 | -$484 | -38.4% |
| Maryland | $1,042 | -$220 | -17.4% |
| Massachusetts | $1,008 | -$254 | -20.1% |
| Michigan | $2,190 | $928 | 73.5% |
| Minnesota | $1,058 | -$204 | -16.2% |
| Mississippi | $1,512 | $250 | 19.8% |
| Missouri | $1,118 | -$144 | -11.4% |
| Montana | $1,356 | $94 | 7.4% |
| Nebraska | $996 | -$266 | -21.1% |
| Nevada | $1,514 | $252 | 20.0% |
| New Hampshire | $908 | -$354 | -28.1% |
| New Jersey | $1,412 | $150 | 11.9% |
| New Mexico | $1,116 | -$146 | -11.6% |
| New York | $1,330 | $68 | 5.4% |
| North Carolina | $726 | -$536 | -42.5% |
| North Dakota | $1,036 | -$226 | -17.9% |
| Ohio | $870 | -$392 | -31.1% |
| Oklahoma | $1,294 | $32 | 2.5% |
| Oregon | $1,156 | -$106 | -8.4% |
| Pennsylvania | $1,202 | -$60 | -4.8% |
| Rhode Island | $1,684 | $422 | 33.4% |
| South Carolina | $1,142 | -$120 | -9.5% |
| South Dakota | $1,066 | -$196 | -15.5% |
| Tennessee | $1,104 | -$158 | -12.5% |
| Texas | $1,520 | $258 | 20.4% |
| Utah | $934 | -$328 | -26.0% |
| Vermont | $862 | -$400 | -31.7% |
| Virginia | $754 | -$508 | -40.3% |
| Washington | $972 | -$290 | -23.0% |
| West Virginia | $1,156 | -$106 | -8.4% |
| Wisconsin | $874 | -$388 | -30.7% |
| Wyoming | $1,124 | -$138 | -10.9% |
Choosing high deductibles can reduce prices by up to $360 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $486 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to figure out your exact price is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,198 | $100 |
| Dodge Challenger R/T | $1,262 | $105 |
| Dodge Challenger SRT-8 | $1,338 | $112 |
Rates assume 2011 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 | $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 Cheaper Dodge Challenger Insurance
Finding better rates on auto insurance consists of avoiding accidents and claims, having good credit, refrain from filing small claims, and maximizing policy discounts. Take the time to shop around at least every two years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a summary of the information that was covered in this article.
- Increasing policy deductibles can save around $350 each year
- You may be able to save up to $140 per year simply by shopping early and online
- Consumers who may need increased liability limits will pay about $590 per year to raise from 30/60 bodily injury limits to 250/500 limits
- Drivers under the age of 20 are expensive to insure, with the cost nearing $414 per month if they have full coverage
- Drivers that have multiple accidents or serious violations pay on average $1,450 more every year to insure a Dodge Challenger
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 | $4,972 |
| 20 | $2,880 |
| 30 | $1,292 |
| 40 | $1,262 |
| 50 | $1,156 |
| 60 | $1,132 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,500 |
| $250 | $1,392 |
| $500 | $1,262 |
| $1,000 | $1,140 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,262 |
| 50/100 | $1,446 |
| 100/300 | $1,581 |
| 250/500 | $1,932 |
| 100 CSL | $1,500 |
| 300 CSL | $1,797 |
| 500 CSL | $2,013 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,028 |
| 20 | $4,590 |
| 30 | $2,746 |
| 40 | $2,716 |
| 50 | $2,594 |
| 60 | $2,568 |
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 | $65 |
| Multi-vehicle | $67 |
| Homeowner | $22 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $48 |
| Advance Quote | $57 |
| Online Quote | $87 |
| Total Discounts | $506 |
Discounts are estimated and may not be available from every company or in every state.
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