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 prices for a Dodge Challenger are $1,364 every 12 months for full coverage insurance. Comprehensive insurance costs around $260, collision insurance costs $400, and liability is $524. Liability-only coverage costs around $580 a year, and high-risk coverage costs $2,940 or more. Teens pay the most at up to $5,282 a year.
Average premium for full coverage: $1,364
Premium estimates for type of coverage:
Includes $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different Challenger trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Dodge Challenger range from the cheapest price of $580 for minimum levels of liability insurance to a much higher rate of $2,940 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.
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.
Additional Rate Details
The chart below illustrates average Dodge Challenger insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $806
- Raising to $1,000 deductibles will save about $150 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,364
- Selecting more expensive low deductibles costs an extra $288 every year
- At-risk drivers with serious driving violations could pay at least $2,940
- An auto insurance policy to insure a teen driver with full coverage can be $5,282
Insurance prices for a Dodge Challenger also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $471 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 131% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Dodge Challenger insurance prices. A middle-age driver might find prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,840 on average in Michigan, New York, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Cheapest Dodge Challenger Insurance
Finding better rates on car insurance consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Make time to compare rates every year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
Below is a recap of the coverage data touched on in this article.
- It is possible to save up to $160 per year just by shopping early and online
- Increasing policy deductibles could save as much as $450 each year
- Teenage drivers pay higher prices, with premiums being up to $440 per month if they have full coverage
- Higher risk drivers that have major violations or accidents may pay on average $1,580 more every year for auto 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,652 |
| $250 | $1,520 |
| $500 | $1,364 |
| $1,000 | $1,214 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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