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2008 Dodge Challenger Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 2008 Dodge Challenger are $1,262 a year for full coverage. Comprehensive costs around $228, collision insurance costs $314, and liability insurance costs around $540. Buying a liability-only policy costs as low as $592 a year, and high-risk insurance costs around $2,716. Teenage drivers receive the highest rates at up to $4,972 a year.

Annual premium for full coverage: $1,262

Rate estimates for 2008 Dodge Challenger Insurance

Comprehensive $228
Collision $314
Liability $540

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Dodge Challenger models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from as low as $592 for just liability insurance to the much higher price of $2,716 for a high risk driver.

Liability Only $592
Full Coverage $1,262
High Risk $2,716

View Chart as Image

2008 Dodge Challenger insurance rates compared
Column chart showing 2008 Dodge Challenger insurance prices range from $756 to $4,972 for full coverage

These differences show why everyone should compare prices for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Dodge Challenger Insurance

Searching Companies

Trying to find cheaper insurance coverage rates for your Dodge Challenger? Searching for cheaper insurance for your Dodge Challenger can turn out to be difficult, but you can learn the following methods to save time.

There are more efficient ways to buy insurance coverage so we’re going to tell you the best way to quote coverages on a Dodge and find the lowest price from both online companies and local agents.

How to Compare Insurance Coverage Costs

Getting a lower price on 2008 Dodge Challenger insurance is a fairly straight forward process. Drivers just need to spend a few minutes on the computer getting comparison quotes from different insurance companies. This is very easy and can be done in several different ways.

  1. The recommended way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating repetitive form submissions for each company. Taking the time to complete one form will return quotes instantly. This is by far the quickest method.
  2. Another way to compare rate quotes requires visiting the website for each individual company to request a price quote. For sake of this example, let’s assume you want to compare Nationwide, Esurance and State Farm. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming way of comparing rate quotes is to drive around to local insurance agencies. The internet makes this process obsolete unless you have a need for the professional guidance only provided by licensed agents. It is possible to price shop online and still use a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just make sure you use the exact same deductibles and coverage limits with each company. If the quotes have different deductibles you can’t possibly decipher which rate is best.

Discounts mean cheaper Dodge Challenger insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be applied when you quote, but some must be manually applied prior to getting the savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Defensive Driving Course – Completing a defensive driving course could save 5% or more if you qualify.
  • Bundle and Save – When you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • E-sign – A few companies will give a small break for buying a policy and signing up over the internet.
  • Student in College – Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Challenger insurance with select insurance companies.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Claim Free – Claim-free drivers pay much less as compared to bad drivers.
  • Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.

Consumers should know that some credits don’t apply the whole policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of providers who offer auto insurance discounts, click here.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Am I covered when driving a rental car?
  • Do I need replacement cost coverage?
  • How much can I save by bundling my policies?
  • When should I remove comp and collision on my 2008 Dodge Challenger?
  • Does insurance cover damages from a DUI accident?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Is there truth in advertising?

Drivers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm, GEICO and Progressive. They all seem to make the same claim that you’ll save big if you change your coverage to them.

How does each company say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the driver that earns them a profit. For instance, a profitable customer might be over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A driver who fits that profile gets the lowest rates and as a result will probably save when switching.

Potential customers who don’t meet the requirements will be quoted higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently advertise the savings.

This emphasizes why you need to quote coverage with many companies. You cannot predict the company that will have the lowest Dodge Challenger insurance rates.

Auto insurance coverage information

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto collision coverage

This covers damage to your Challenger resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, rolling your car, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, rock chips in glass, hitting a bird, theft and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses like funeral costs, nursing services and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability

This coverage can cover damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, medical services, emergency aid and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Final considerations

People change insurance companies for many reasons like delays in responding to claim requests, denial of a claim, lack of trust in their agent and even policy non-renewal. Regardless of your reason for switching companies, finding a new company is less work than it seems.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

In this article, we covered many ways to save on 2008 Dodge Challenger insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with the smaller companies.

To learn more, feel free to browse the following helpful articles:

Rates by U.S. City

2008 Dodge Challenger Insurance Rates by City
City Premium
New York City, NY $1,995
Los Angeles, CA $2,157
Philadelphia, PA $1,683
Jacksonville, FL $1,830
Phoenix, AZ $1,467
Chicago, IL $1,688
Houston, TX $1,976
Seattle, WA $1,225
Columbus, OH $1,053
Indianapolis, IN $1,076

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Dodge Challenger Insurance Rates by Driver Age
Driver Age Premium
16 $4,972
20 $2,880
30 $1,292
40 $1,262
50 $1,156
60 $1,132

Full coverage, $500 deductibles

Rates by Deductible

2008 Dodge Challenger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,500
$250 $1,392
$500 $1,262
$1,000 $1,140

Full coverage, driver age 40

Rates by Liability Limit

Dodge Challenger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,262
50/100 $1,370
100/300 $1,505
250/500 $1,856
100 CSL $1,424
300 CSL $1,721
500 CSL $1,937

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Dodge Challenger Insurance Rates for High Risk Drivers
Age Premium
16 $7,028
20 $4,590
30 $2,746
40 $2,716
50 $2,594
60 $2,568

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 $170

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $67
Homeowner $22
5-yr Accident Free $80
5-yr Claim Free $80
Paid in Full/EFT $48
Advance Quote $57
Online Quote $87
Total Discounts $506
Rate after discounts $756

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

Find companies with the cheapest rates in your area

2008 Dodge Challenger Insurance Rates by State
State Premium
Alabama $1,140
Alaska $970
Arizona $1,048
Arkansas $1,262
California $1,438
Colorado $1,204
Connecticut $1,296
Delaware $1,428
Florida $1,578
Georgia $1,166
Hawaii $906
Idaho $854
Illinois $938
Indiana $952
Iowa $850
Kansas $1,196
Kentucky $1,720
Louisiana $1,868
Maine $778
Maryland $1,042
Massachusetts $1,008
Michigan $2,190
Minnesota $1,058
Mississippi $1,512
Missouri $1,118
Montana $1,356
Nebraska $996
Nevada $1,514
New Hampshire $908
New Jersey $1,412
New Mexico $1,116
New York $1,330
North Carolina $726
North Dakota $1,036
Ohio $870
Oklahoma $1,294
Oregon $1,156
Pennsylvania $1,202
Rhode Island $1,684
South Carolina $1,142
South Dakota $1,066
Tennessee $1,104
Texas $1,520
Utah $934
Vermont $862
Virginia $754
Washington $972
West Virginia $1,156
Wisconsin $874
Wyoming $1,124

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