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 rates for a Dodge Challenger are $1,342 a year for full coverage. Comprehensive insurance costs around $254 a year, collision costs $374, and liability insurance costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,888 or more. Teenage drivers receive the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,342

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples show why it is important to compare rates for a specific zip code, rather than relying on average rates.

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

Additional Rate Information

The chart below shows estimated Dodge Challenger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $797
• Drivers who choose higher $1,000 deductibles will pay about $1,196 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,342
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $272 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,888 or more
• The cost that insures a teen driver can be $5,214 a year

View Chart as Image

Auto insurance rates for a Dodge Challenger can also vary considerably based on the trim level of your Challenger, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,200 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 $890 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,910 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $420 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates 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 Find Cheap Dodge Challenger Insurance

Saving money on Dodge Challenger insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare prices at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a brief summary of the data raised in the charts and tables above.

• Drivers who may need increased liability limits will pay an extra $590 each year to go from a minimum limit to the 250/500 level
• Drivers can save up to $160 per year simply by quoting early and online
• Increasing deductibles can save approximately $425 each year
• Drivers under the age of 20 are expensive to insure, costing as high as $435 per month if the policy includes full coverage

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