Dodge Challenger Insurance Rates
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Michelle Robbins
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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.
Estimated insurance rates for a Dodge Challenger are $1,294 a year for full coverage insurance. Comprehensive insurance costs approximately $234, collision costs $346, and liability costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing $2,792 or more. Teen drivers pay the most at $5,080 a year or more.
Average premium for full coverage: $1,294
Premium estimates by type of coverage:
Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all Challenger models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Dodge Challenger go from the low end price of $588 for minimum levels of liability insurance to the much higher price of $2,792 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why everyone should compare prices using their specific location, instead of making a decision based on price averages.
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 Details
The chart below illustrates estimated Dodge Challenger insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $771
- Using higher $1,000 deductibles will save $132 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,294
- Choosing pricier low deductibles for physical damage coverage will cost an additional $254 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,792 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage can cost $5,080 or more
Insurance prices for a Dodge Challenger also have a wide range based on the model of your Challenger, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,200 extra annually, depending on your age. Dodge Challenger insurance for high-risk drivers can be from 43% to 129% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age
Where you choose to live has a huge impact on Dodge Challenger insurance prices. A driver around age 40 might see prices as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,172 | -$122 | -9.4% |
| Alaska | $994 | -$300 | -23.2% |
| Arizona | $1,076 | -$218 | -16.8% |
| Arkansas | $1,294 | -$0 | 0.0% |
| California | $1,476 | $182 | 14.1% |
| Colorado | $1,234 | -$60 | -4.6% |
| Connecticut | $1,332 | $38 | 2.9% |
| Delaware | $1,466 | $172 | 13.3% |
| Florida | $1,620 | $326 | 25.2% |
| Georgia | $1,196 | -$98 | -7.6% |
| Hawaii | $928 | -$366 | -28.3% |
| Idaho | $878 | -$416 | -32.1% |
| Illinois | $962 | -$332 | -25.7% |
| Indiana | $978 | -$316 | -24.4% |
| Iowa | $874 | -$420 | -32.5% |
| Kansas | $1,228 | -$66 | -5.1% |
| Kentucky | $1,766 | $472 | 36.5% |
| Louisiana | $1,918 | $624 | 48.2% |
| Maine | $800 | -$494 | -38.2% |
| Maryland | $1,070 | -$224 | -17.3% |
| Massachusetts | $1,034 | -$260 | -20.1% |
| Michigan | $2,248 | $954 | 73.7% |
| Minnesota | $1,084 | -$210 | -16.2% |
| Mississippi | $1,552 | $258 | 19.9% |
| Missouri | $1,148 | -$146 | -11.3% |
| Montana | $1,390 | $96 | 7.4% |
| Nebraska | $1,020 | -$274 | -21.2% |
| Nevada | $1,556 | $262 | 20.2% |
| New Hampshire | $936 | -$358 | -27.7% |
| New Jersey | $1,450 | $156 | 12.1% |
| New Mexico | $1,146 | -$148 | -11.4% |
| New York | $1,364 | $70 | 5.4% |
| North Carolina | $748 | -$546 | -42.2% |
| North Dakota | $1,062 | -$232 | -17.9% |
| Ohio | $894 | -$400 | -30.9% |
| Oklahoma | $1,328 | $34 | 2.6% |
| Oregon | $1,188 | -$106 | -8.2% |
| Pennsylvania | $1,234 | -$60 | -4.6% |
| Rhode Island | $1,728 | $434 | 33.5% |
| South Carolina | $1,174 | -$120 | -9.3% |
| South Dakota | $1,094 | -$200 | -15.5% |
| Tennessee | $1,134 | -$160 | -12.4% |
| Texas | $1,560 | $266 | 20.6% |
| Utah | $958 | -$336 | -26.0% |
| Vermont | $886 | -$408 | -31.5% |
| Virginia | $774 | -$520 | -40.2% |
| Washington | $1,000 | -$294 | -22.7% |
| West Virginia | $1,188 | -$106 | -8.2% |
| Wisconsin | $896 | -$398 | -30.8% |
| Wyoming | $1,154 | -$140 | -10.8% |
Choosing high deductibles could cut prices by as much as $390 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,224 | $102 |
| Dodge Challenger R/T | $1,294 | $108 |
| Dodge Challenger SRT-8 | $1,374 | $115 |
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 | $356 | $640 | $470 | $1,646 |
| 2022 Dodge Challenger | $344 | $612 | $486 | $1,622 |
| 2021 Dodge Challenger | $326 | $592 | $500 | $1,598 |
| 2020 Dodge Challenger | $312 | $548 | $510 | $1,550 |
| 2019 Dodge Challenger | $300 | $516 | $514 | $1,510 |
| 2018 Dodge Challenger | $288 | $464 | $520 | $1,452 |
| 2017 Dodge Challenger | $270 | $426 | $520 | $1,396 |
| 2016 Dodge Challenger | $260 | $400 | $524 | $1,364 |
| 2015 Dodge Challenger | $254 | $374 | $534 | $1,342 |
| 2014 Dodge Challenger | $234 | $346 | $534 | $1,294 |
| 2013 Dodge Challenger | $228 | $314 | $540 | $1,262 |
| 2012 Dodge Challenger | $212 | $288 | $534 | $1,214 |
| 2011 Dodge Challenger | $200 | $262 | $534 | $1,176 |
| 2010 Dodge Challenger | $194 | $234 | $530 | $1,138 |
| 2009 Dodge Challenger | $190 | $230 | $520 | $1,120 |
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 Low Cost Dodge Challenger Insurance
Finding better rates on insurance for a Dodge Challenger requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around every other policy renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.
The items below are a review of the ideas that were raised in the charts and tables above.
- Teen drivers are expensive to insure, with premiums being up to $423 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,500 more per year to insure their Challenger
- Increasing policy deductibles can save approximately $375 each year
- It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
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 | $5,080 |
| 20 | $2,964 |
| 30 | $1,328 |
| 40 | $1,294 |
| 50 | $1,188 |
| 60 | $1,162 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,548 |
| $250 | $1,432 |
| $500 | $1,294 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,294 |
| 50/100 | $1,481 |
| 100/300 | $1,614 |
| 250/500 | $1,961 |
| 100 CSL | $1,534 |
| 300 CSL | $1,828 |
| 500 CSL | $2,042 |
Full coverage, driver age 40
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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