Dodge Challenger Insurance Rates
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UPDATED: Apr 12, 2024
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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 with full coverage. Comprehensive costs approximately $254 each year, collision insurance costs $374, and liability coverage is $534. A policy with just liability insurance costs around $588 a year, and coverage for high-risk drivers costs around $2,888. Teenage drivers receive the highest rates at up to $5,214 a year.
Average premium for full coverage: $1,342
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Challenger models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $588 for just the minimum liability insurance to a high rate of $2,888 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
These examples demonstrate why all drivers should compare rates quotes using their specific location, rather than using 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 Analysis
The chart below details average Dodge Challenger insurance rates for additional coverage and risk scenarios.
- The best discount rate is $797
- Raising to $1,000 deductibles will save $146 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,342
- Using low deductibles bumps up the cost to $1,614
- Unlucky drivers who are prone to accidents and violations could pay around $2,888
- The cost that insures a teenage driver can cost $5,214
Insurance rates for a Dodge Challenger can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
Where you live also has a big influence on Dodge Challenger insurance rates. A middle-age driver might find rates as low as $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,810 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can reduce rates by up to $420 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find More Affordable Dodge Challenger Insurance
Saving money on auto insurance consists of avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Compare prices at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a summary of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $160 per year just by quoting online in advance
- Drivers who have multiple accidents or major violations may have to pay on average $1,550 more per year to insure a Dodge Challenger
- Increasing deductibles can save approximately $425 each year
- Drivers under the age of 20 are the costliest to insure, with premiums as much as $435 per month if comprehensive and collision insurance is included
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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,614 |
| $250 | $1,488 |
| $500 | $1,342 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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