2010 Dodge Challenger Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2010 Dodge Challenger are $1,342 a year including full coverage. Comprehensive costs an estimated $254 each year, collision insurance costs $374, and liability insurance costs around $534. Buying a liability-only policy costs as low as $588 a year, and high-risk insurance costs around $2,888. Teen drivers receive the highest rates at up to $5,214 a year.
Annual premium for full coverage: $1,342
Rate estimates for 2010 Dodge Challenger Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 $588 for basic liability insurance to a high rate of $2,888 for a high risk driver.
These differences highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying 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 2010 Dodge Challenger Insurance
Searching for lower insurance rates for your Dodge Challenger? Are you a victim of overpriced insurance? Trust us, there are a lot of people just like you who feel imprisoned by their insurance policy.
You have so many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, so many choices can make it hard to get the best deal.
Automobile Insurance Quotes
When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. By far the easiest way to find the cheapest 2010 Dodge Challenger insurance rates is to get quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The single most time-saving way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate quotes for each company you want a rate for. Just one form will return price quotes from multiple companies.
- A harder way to compare rate quotes requires you to visit the website for each individual company and request a quote. For instance, we’ll pretend you want rates from Farmers, Liberty Mutual and State Farm. To get each rate you have to go to every website to input your insurance information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
Whichever way you use, make sure you use exactly the same coverages for each price quote. If you enter different liability limits it’s not possible to decipher which rate is best. Quoting even small variations in insurance coverages can make a big difference in price. And when price shopping your coverage, having more price comparisons will enable you to find a better price.
Save with discounts on 2010 Dodge Challenger insurance
Companies offering auto insurance don’t list every discount in an easy-to-find place, so we break down some of the more common as well as the least known ways to save on auto insurance.
- Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
- Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
- Seat Belt Usage – Drivers who require all occupants to use a seat belt could cut 10% or more off your medical payments premium.
- Claim Free – Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
- Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
- Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
- Accident Forgiveness – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
- Resident Student – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
Consumers should know that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.
For a list of insurance companies who offer auto insurance discounts, click here.
Tailor your coverage to you
When choosing adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you might need professional guidance.
- What are the best liability limits?
- What should my uninsured motorist coverage limits be in my state?
- Is upholstery damage covered by car insurance?
- Do I need PIP (personal injury protection) coverage in my state?
- Do I have coverage for damage caused while driving under the influence?
- How much underlying liability do I need for an umbrella policy?
- What is the difference between comprehensive and collision coverage?
- Do I benefit by insuring my home with the same company?
- Can I make deliveries for my home business?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier
These factors can influence Dodge Challenger insurance rates
It’s important that you understand the different types of things that come into play when calculating your insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to big savings.
The list below includes a partial list of the pieces that factor into prices.
- Do you have enough liability coverage? – Liability coverage provides coverage in the event that you are found liable for causing damage or personal injury in an accident. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not skimp.
- Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Dodge earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
- Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations like judges, social workers and accountants tend to pay higher rates than average in part from stressful work requirements and lots of time spent at work. On the flip side, jobs such as actors, athletes and homemakers have the lowest average rates for Challenger insurance.
- More people means more accidents – Living in a rural area has it’s advantages when talking about insurance. Lower population means fewer accidents as well as less vandalism and auto theft. Urban drivers have congested traffic and longer commute times. More time commuting means more change of being in an accident.
- Allowing your policy to lapse raises rates – Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance will get you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
Car insurance coverages for a Dodge Challenger
Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2010 Dodge Challenger.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.
Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in 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 limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability insurance covers things such as medical services, pain and suffering, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for immediate expenses for chiropractic care, surgery, prosthetic devices, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision)
This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as vandalism, hitting a bird, a broken windshield, hail damage and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
This coverage will pay to fix damage to your Challenger resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like damaging your car on a curb, hitting a parking meter, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.
Better coverage you can count on
As you restructure your insurance plan, you should never skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability coverage limits only to discover later they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at the best price.
The cheapest 2010 Dodge Challenger insurance is available online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.
We’ve covered a lot of ways to compare insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.
More detailed car insurance information can be found in the articles below:
- Things to Know Before you Cancel Insurance (Allstate)
- Keeping Children Safe in Crashes Video (iihs.org)
- Choosing an Insurance Company (Insurance Information Insitute)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Senior Drivers (Insurance Information Insitute)
- Understanding your Policy (NAIC.org)
Rates by U.S. City
|New York City, NY||$2,115|
|Los Angeles, CA||$2,292|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$88|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$54|
Discounts are estimated and may not be available from every company or in every state.