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.

The average insurance rates for a Dodge Challenger are $1,342 a year with full coverage. Comprehensive insurance costs on average $254 each year, collision insurance costs $374, and liability insurance costs around $534. Liability-only insurance costs as low as $588 a year, and high-risk driver insurance costs $2,888 or more. Teenage drivers cost the most to insure at up to $5,214 a year.

Average premium for full coverage: $1,342

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Challenger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below details average Dodge Challenger insurance rates for different risk profiles and scenarios.

• The best discount rate is $797
• Using higher $1,000 deductibles will save around $146 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,342
• Using low deductibles for physical damage coverage will cost an extra $272 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,888
• Policy cost for full coverage for a teen driver may cost $5,214 or more

View Chart as Image

Auto insurance rates for a Dodge Challenger also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age

Your home state has a huge impact on Dodge Challenger insurance rates. A driver around age 40 might see rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,810 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $420 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

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 Affordable Dodge Challenger Insurance

Finding cheaper rates on Dodge Challenger insurance requires having a decent driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

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

• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,550 more each year than a driver with a clean driving record
• You may be able to save as much as $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $425 each year
• Drivers who require additional liability coverage will pay an extra $590 every year to increase from a 30/60 limit to 250/500 limits

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