Dodge Challenger Insurance Rates
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UPDATED: May 2, 2023
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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.
U.S. average insurance prices for a Dodge Challenger are $1,646 every 12 months for full coverage. Comprehensive costs an estimated $356, collision insurance costs $640, and liability insurance is $470. Buying just liability costs around $536 a year, and insurance for high-risk drivers costs around $3,562. Teen drivers pay the highest rates at up to $6,104 a year.
Average premium for full coverage: $1,646
Price estimates broken down by individual coverage:
Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Challenger models.
Price Range from Low to High
For the normal driver, Dodge Challenger insurance prices range from the cheapest price of $536 for minimum levels of liability insurance to the much higher price of $3,562 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.
The ranges above show why everyone should compare rates quotes for a targeted area and their own driving history, 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.
Additional Rate Details
The chart below shows average Dodge Challenger insurance rates for other coverage scenarios.
- The lowest rate with discounts is $944
- Raising to $1,000 deductibles will save approximately $226 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,646
- Choosing pricier low deductibles increases the price to $2,084
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,562
- The price to insure a teen driver for full coverage can cost as much as $6,104
Insurance prices for a Dodge Challenger are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $670 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $423 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $6,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,900 to $2,700 additional each year, depending on your age. Dodge Challenger insurance for high-risk drivers is expensive and can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Dodge Challenger insurance rates. A middle-age driver might find prices as low as $1,090 a year in states like Iowa, Maine, and Idaho, or as much as $2,350 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,486 | -$160 | -9.7% |
| Alaska | $1,262 | -$384 | -23.3% |
| Arizona | $1,366 | -$280 | -17.0% |
| Arkansas | $1,646 | -$0 | 0.0% |
| California | $1,874 | $228 | 13.9% |
| Colorado | $1,570 | -$76 | -4.6% |
| Connecticut | $1,692 | $46 | 2.8% |
| Delaware | $1,864 | $218 | 13.2% |
| Florida | $2,060 | $414 | 25.2% |
| Georgia | $1,520 | -$126 | -7.7% |
| Hawaii | $1,182 | -$464 | -28.2% |
| Idaho | $1,116 | -$530 | -32.2% |
| Illinois | $1,224 | -$422 | -25.6% |
| Indiana | $1,242 | -$404 | -24.5% |
| Iowa | $1,110 | -$536 | -32.6% |
| Kansas | $1,562 | -$84 | -5.1% |
| Kentucky | $2,244 | $598 | 36.3% |
| Louisiana | $2,436 | $790 | 48.0% |
| Maine | $1,016 | -$630 | -38.3% |
| Maryland | $1,358 | -$288 | -17.5% |
| Massachusetts | $1,316 | -$330 | -20.0% |
| Michigan | $2,856 | $1,210 | 73.5% |
| Minnesota | $1,378 | -$268 | -16.3% |
| Mississippi | $1,974 | $328 | 19.9% |
| Missouri | $1,460 | -$186 | -11.3% |
| Montana | $1,770 | $124 | 7.5% |
| Nebraska | $1,298 | -$348 | -21.1% |
| Nevada | $1,974 | $328 | 19.9% |
| New Hampshire | $1,186 | -$460 | -27.9% |
| New Jersey | $1,840 | $194 | 11.8% |
| New Mexico | $1,456 | -$190 | -11.5% |
| New York | $1,736 | $90 | 5.5% |
| North Carolina | $948 | -$698 | -42.4% |
| North Dakota | $1,348 | -$298 | -18.1% |
| Ohio | $1,136 | -$510 | -31.0% |
| Oklahoma | $1,688 | $42 | 2.6% |
| Oregon | $1,506 | -$140 | -8.5% |
| Pennsylvania | $1,568 | -$78 | -4.7% |
| Rhode Island | $2,196 | $550 | 33.4% |
| South Carolina | $1,494 | -$152 | -9.2% |
| South Dakota | $1,390 | -$256 | -15.6% |
| Tennessee | $1,440 | -$206 | -12.5% |
| Texas | $1,982 | $336 | 20.4% |
| Utah | $1,218 | -$428 | -26.0% |
| Vermont | $1,128 | -$518 | -31.5% |
| Virginia | $986 | -$660 | -40.1% |
| Washington | $1,270 | -$376 | -22.8% |
| West Virginia | $1,510 | -$136 | -8.3% |
| Wisconsin | $1,138 | -$508 | -30.9% |
| Wyoming | $1,466 | -$180 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,522 | $127 |
| Dodge Challenger R/T | $1,646 | $137 |
| Dodge Challenger SRT-8 | $1,782 | $149 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Challenger | $356 | $640 | $470 | $1,646 |
| 2017 Dodge Challenger | $312 | $548 | $510 | $1,550 |
| 2015 Dodge Challenger | $288 | $464 | $520 | $1,452 |
| 2013 Dodge Challenger | $260 | $400 | $524 | $1,364 |
| 2012 Dodge Challenger | $254 | $374 | $534 | $1,342 |
| 2010 Dodge Challenger | $228 | $314 | $540 | $1,262 |
| 2009 Dodge Challenger | $212 | $288 | $534 | $1,214 |
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 Low Cost Dodge Challenger Insurance
Getting lower rates on Dodge Challenger insurance consists of being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a review of the data presented in the illustrations above.
- Drivers who want higher levels of liability will pay about $520 each year to raise from a low limit to a 250/500 level
- Drivers can save approximately $200 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $675 each year
- Teenage drivers are expensive to insure, with premiums as much as $509 a month if full coverage is included
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 | $6,104 |
| 20 | $3,794 |
| 30 | $1,718 |
| 40 | $1,646 |
| 50 | $1,502 |
| 60 | $1,474 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,084 |
| $250 | $1,882 |
| $500 | $1,646 |
| $1,000 | $1,420 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,646 |
| 50/100 | $1,876 |
| 100/300 | $1,994 |
| 250/500 | $2,299 |
| 100 CSL | $1,923 |
| 300 CSL | $2,182 |
| 500 CSL | $2,370 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,724 |
| 20 | $6,038 |
| 30 | $3,640 |
| 40 | $3,562 |
| 50 | $3,398 |
| 60 | $3,366 |
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 | $88 |
| Multi-vehicle | $86 |
| Homeowner | $24 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $107 |
| Paid in Full/EFT | $76 |
| Advance Quote | $82 |
| Online Quote | $117 |
| Total Discounts | $702 |
Discounts are estimated and may not be available from every company or in every state.
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