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.

U.S. average insurance rates for a Dodge Challenger are $1,294 a year for full coverage insurance. Comprehensive insurance costs on average $234 each year, collision costs $346, and liability insurance is $534. A policy with just liability insurance costs around $588 a year, with coverage for high-risk drivers costing $2,792 or more. 16-year-old drivers pay the highest rates at $5,080 a year or more.

Average premium for full coverage: $1,294

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Challenger models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Dodge Challenger insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $771
• Raising to $1,000 deductibles will save around $132 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,294
• Buying low deductibles will cost an extra $254 a year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,792 or more
• The price for full coverage for a teen driver may cost $5,080

View Chart as Image

Insurance prices for a Dodge Challenger are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age

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 $850 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $390 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.

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 the Best Dodge Challenger Insurance

Getting lower rates on Dodge Challenger insurance consists of avoiding accidents and violations, maintaining good credit, not filing small claims, and bundling your home and auto policies. Invest the time to compare rates every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a brief recap of the material that was presented in the illustrations above.

• Drivers who require higher liability limits will pay around $590 annually to raise from a low limit to 250/500 limits
• Teenagers pay the highest prices, as much as $423 a month for full coverage
• High-risk drivers who tend to receive serious violations pay an average of $1,500 more each year for car insurance
• Increasing physical damage deductibles can save around $375 each year

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