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2009 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 24, 2017

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Average insurance rates for a 2009 Dodge Challenger are $1,294 a year including full coverage. Comprehensive insurance costs approximately $234 each year, collision costs $346, and liability costs around $534. Buying a liability-only policy costs as low as $588 a year, with high-risk insurance costing $2,792 or more. Teen drivers receive the highest rates at $5,080 a year or more.

Annual premium for full coverage: $1,294

Rate estimates for 2009 Dodge Challenger Insurance

Comprehensive $234
Collision $346
Liability $534

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 the average driver, prices range go from as low as $588 for basic liability insurance to a high rate of $2,792 for a driver that may need high-risk insurance.

Liability Only $588
Full Coverage $1,294
High Risk $2,792

View Chart as Image

2009 Dodge Challenger insurance rates compared
Column chart showing 2009 Dodge Challenger insurance prices range from $771 to $5,080 for full coverage

These differences highlight why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on price averages.

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 2009 Dodge Challenger Insurance

Searching Companies

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you’re not the only one. Because there are so many choices of insurance companies, it can be diffult for consumers to find the right insurer.

Consumers need to do rate comparisons once or twice a year due to the fact that insurance rates go up and down regularly. Even if you think you had the best rates for Challenger coverage six months ago there may be better deals available now. Starting now, forget anything you know (or think you know) about car insurance because it’s time to teach you how to quote online to lower your annual insurance bill.

The purpose of this article is to tell you the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you should be able to lower your premiums substantially using these tips. Consumers just need to understand the most effective way to get comparison quotes online.

Some factors that can determine what Dodge Challenger insurance costs

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

Shown below are some of the factors used by your company to calculate prices.

  • Your stress level may be raising your rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, business owners and accountants tend to have higher rates than average because of stressful work requirements and lengthy work days. On the flip side, occupations like actors, athletes and homemakers receive lower rates for Challenger coverage.
  • Rate your vehicle for proper use – The more miles you rack up on your Dodge in a year the higher your rate. Most companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance policy properly reflects how each vehicle is driven, because it can save money. If your policy improperly rates your Challenger can result in significantly higher rates.
  • Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Don’t skimp on liability – Liability coverage is the protection if a jury decides you are liable for personal injury or accident damage. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Do you need those extra coverages? – There are quite a few add-on coverages that can waste your money if you aren’t careful. Things like personal injury protection, accident forgiveness and motor club memberships may be wasting your money. They may seem like a good idea initially, but if you don’t need them remove them from your policy.

Are you getting all your discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically when you get a quote, but some must be specially asked for before being credited. If you don’t get every credit available, you are throwing money away.

  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
  • E-sign – A handful of insurance companies give back up to $50 simply for signing over the internet.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Homeowners Savings – Being a homeowner can help you save on car insurance because maintaining a house requires personal responsibility.
  • Driver Safety – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

It’s important to note that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.

For a list of companies with discount car insurance rates, click here.

When might I need an agent?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation will benefit from professional help.

  • Am I covered if I break a side mirror?
  • Do I need higher collision deductibles?
  • Where can I find high-risk insurance?
  • Is my 2009 Dodge Challenger covered for smoke damage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I rate my 2009 Dodge Challenger as pleasure use or commute?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is medical payments coverage?
  • Do I pay less for low miles?
  • Am I getting all the discounts available?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage considerations

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Challenger.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance – Liability insurance can cover damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical services, court costs, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as X-ray expenses, ambulance fees, nursing services and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Don’t break the bank

Throughout this article, we presented a lot of information how to shop for 2009 Dodge Challenger insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance comes from a small local company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

The cheapest insurance is possible both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

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Rates by U.S. City

2009 Dodge Challenger Insurance Rates by City
City Premium
New York City, NY $2,046
Los Angeles, CA $2,214
Philadelphia, PA $1,728
Jacksonville, FL $1,879
Phoenix, AZ $1,506
Chicago, IL $1,732
Houston, TX $2,028
Seattle, WA $1,260
Columbus, OH $1,082
Indianapolis, IN $1,105

Need a specific model?

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Rates by Driver Age

2009 Dodge Challenger Insurance Rates by Driver Age
Driver Age Premium
16 $5,080
20 $2,964
30 $1,328
40 $1,294
50 $1,188
60 $1,162

Full coverage, $500 deductibles

Rates by Deductible

2009 Dodge Challenger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,548
$250 $1,432
$500 $1,294
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Dodge Challenger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,294
50/100 $1,401
100/300 $1,534
250/500 $1,881
100 CSL $1,454
300 CSL $1,748
500 CSL $1,962

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Dodge Challenger Insurance Rates for High Risk Drivers
Age Premium
16 $7,194
20 $4,724
30 $2,828
40 $2,792
50 $2,668
60 $2,642

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 $176

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $69
Homeowner $22
5-yr Accident Free $84
5-yr Claim Free $82
Paid in Full/EFT $51
Advance Quote $59
Online Quote $89
Total Discounts $523
Rate after discounts $771

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

Find companies with the cheapest rates in your area

2009 Dodge Challenger Insurance Rates by State
State Premium
Alabama $1,172
Alaska $994
Arizona $1,076
Arkansas $1,294
California $1,476
Colorado $1,234
Connecticut $1,332
Delaware $1,466
Florida $1,620
Georgia $1,196
Hawaii $928
Idaho $878
Illinois $962
Indiana $978
Iowa $874
Kansas $1,228
Kentucky $1,766
Louisiana $1,918
Maine $800
Maryland $1,070
Massachusetts $1,034
Michigan $2,248
Minnesota $1,084
Mississippi $1,552
Missouri $1,148
Montana $1,390
Nebraska $1,020
Nevada $1,556
New Hampshire $936
New Jersey $1,450
New Mexico $1,146
New York $1,364
North Carolina $748
North Dakota $1,062
Ohio $894
Oklahoma $1,328
Oregon $1,188
Pennsylvania $1,234
Rhode Island $1,728
South Carolina $1,174
South Dakota $1,094
Tennessee $1,134
Texas $1,560
Utah $958
Vermont $886
Virginia $774
Washington $1,000
West Virginia $1,188
Wisconsin $896
Wyoming $1,154

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