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 approximately $254 a year, collision costs $374, and liability costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,888 or more. Teens receive the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,342

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Challenger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance prices.

These examples illustrate why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below illustrates estimated Dodge Challenger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $797
• Drivers who choose higher $1,000 deductibles will pay $1,196 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,342
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $272 annually
• Drivers with serious driving violations could pay around $2,888 or more
• The cost to insure a 16-year-old driver can cost $5,214 a year

View Chart as Image

Car insurance rates for a Dodge Challenger can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Challenger.

Choosing higher comprehensive and collision insurance deductibles could save up to $420 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $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 anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Dodge Challenger insurance prices. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,810 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every company calculates rates differently, so rate quotes can be significantly different.

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 Affordable Dodge Challenger Insurance

Saving money on insurance for a Dodge Challenger not only requires being a good driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest time comparing rates at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a brief review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,550 more per year than a safer driver
• It is possible to save around $160 per year simply by quoting early and online
• Increasing deductibles could save as much as $425 each year
• Insureds who purchase an increased level of liability coverage will pay approximately $590 annually to go 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