Dodge Challenger Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Dodge Challenger insurance
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.

The average auto insurance rates for a Dodge Challenger are $1,342 annually including full coverage. Comprehensive costs around $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 around $2,888. Teenage drivers cost the most to insure at $5,214 a year or more.

Average premium for full coverage: $1,342

Policy rates for type of insurance:

Comprehensive $254
Collision $374
Liability $534

Price estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Challenger trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Dodge Challenger insurance rates go from as cheap as $588 for the bare minimum liability coverage to a high of $2,888 for coverage for higher-risk drivers.

Liability Only $588
Full Coverage $1,342
High Risk $2,888

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.

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

Rural Areas $1,007
Small Cities $1,409
Large Cities $1,812

The examples above highlight why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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 Information

The chart below breaks down 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 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,342
  • Using low $100 deductibles for comprehensive and collision insurance will cost $1,614
  • Drivers who are prone to accidents and violations could pay at least $2,888 or more
  • Policy cost with full coverage for a 16-year-old driver can be $5,214 a year

View Chart as Image

Dodge Challenger insurance cost comparison chart
Column chart showing full coverage Dodge Challenger insurance rates range from $797 to $5,214

Insurance rates for a Dodge Challenger also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $420 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Challenger insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,910 on average in Michigan, New York, and Louisiana.

Dodge Challenger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,214 -$128 -9.5%
Alaska $1,028 -$314 -23.4%
Arizona $1,114 -$228 -17.0%
Arkansas $1,342 -$0 0.0%
California $1,528 $186 13.9%
Colorado $1,278 -$64 -4.8%
Connecticut $1,378 $36 2.7%
Delaware $1,516 $174 13.0%
Florida $1,676 $334 24.9%
Georgia $1,238 -$104 -7.7%
Hawaii $962 -$380 -28.3%
Idaho $908 -$434 -32.3%
Illinois $996 -$346 -25.8%
Indiana $1,014 -$328 -24.4%
Iowa $906 -$436 -32.5%
Kansas $1,272 -$70 -5.2%
Kentucky $1,828 $486 36.2%
Louisiana $1,986 $644 48.0%
Maine $828 -$514 -38.3%
Maryland $1,108 -$234 -17.4%
Massachusetts $1,070 -$272 -20.3%
Michigan $2,326 $984 73.3%
Minnesota $1,122 -$220 -16.4%
Mississippi $1,606 $264 19.7%
Missouri $1,190 -$152 -11.3%
Montana $1,438 $96 7.2%
Nebraska $1,058 -$284 -21.2%
Nevada $1,610 $268 20.0%
New Hampshire $966 -$376 -28.0%
New Jersey $1,500 $158 11.8%
New Mexico $1,186 -$156 -11.6%
New York $1,410 $68 5.1%
North Carolina $772 -$570 -42.5%
North Dakota $1,100 -$242 -18.0%
Ohio $924 -$418 -31.1%
Oklahoma $1,374 $32 2.4%
Oregon $1,228 -$114 -8.5%
Pennsylvania $1,278 -$64 -4.8%
Rhode Island $1,788 $446 33.2%
South Carolina $1,216 -$126 -9.4%
South Dakota $1,132 -$210 -15.6%
Tennessee $1,172 -$170 -12.7%
Texas $1,616 $274 20.4%
Utah $992 -$350 -26.1%
Vermont $918 -$424 -31.6%
Virginia $802 -$540 -40.2%
Washington $1,034 -$308 -23.0%
West Virginia $1,228 -$114 -8.5%
Wisconsin $928 -$414 -30.8%
Wyoming $1,194 -$148 -11.0%

View Chart as Image

Dodge Challenger insurance rates by U.S. city

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Dodge Challenger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Challenger SE $1,264 $105
Dodge Challenger R/T $1,342 $112
Dodge Challenger SRT-8 $1,426 $119

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.

Dodge Challenger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Dodge Challenger $370 $656 $450 $1,656
2022 Dodge Challenger $356 $640 $470 $1,646
2021 Dodge Challenger $344 $612 $486 $1,622
2020 Dodge Challenger $326 $592 $500 $1,598
2019 Dodge Challenger $312 $548 $510 $1,550
2018 Dodge Challenger $300 $516 $514 $1,510
2017 Dodge Challenger $288 $464 $520 $1,452
2016 Dodge Challenger $270 $426 $520 $1,396
2015 Dodge Challenger $260 $400 $524 $1,364
2014 Dodge Challenger $254 $374 $534 $1,342
2013 Dodge Challenger $234 $346 $534 $1,294
2012 Dodge Challenger $228 $314 $540 $1,262
2011 Dodge Challenger $212 $288 $534 $1,214
2010 Dodge Challenger $200 $262 $534 $1,176
2009 Dodge Challenger $194 $234 $530 $1,138

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 Buy Cheaper Dodge Challenger Insurance

Finding cheaper rates on insurance for a Dodge Challenger not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around at least once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a condensed summary of the primary concepts that were raised in the charts and tables above.

  • You may be able to save up to $160 per year simply by quoting early and online
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,550 more every year for Challenger insurance
  • Increasing comprehensive and collision deductibles could save up to $425 each year
  • Teens are charged the highest rates, with premiums being up to $435 each month if they have 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.

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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

  1. https://www.iihs.org/ratings/vehicle/dodge/challenger-2-door-coupe/2020

Rates by Driver Age

Dodge Challenger Insurance Rates by Driver Age
Driver Age Premium
16 $5,214
20 $3,064
30 $1,378
40 $1,342
50 $1,228
60 $1,202

Full coverage, $500 deductibles

Rates by Deductible

Dodge Challenger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,614
$250 $1,488
$500 $1,342
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Dodge Challenger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,342
50/100 $1,533
100/300 $1,666
250/500 $2,013
100 CSL $1,586
300 CSL $1,880
500 CSL $2,094

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Challenger Insurance Rates for High Risk Drivers
Age Premium
16 $7,390
20 $4,884
30 $2,928
40 $2,888
50 $2,758
60 $2,730

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.

SR-22 Surcharge $182

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $71
Homeowner $22
5-yr Accident Free $88
5-yr Claim Free $85
Paid in Full/EFT $54
Advance Quote $62
Online Quote $93
Total Discounts $545
Rate after discounts $797

Discounts are estimated and may not be available from every company or in every state.

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