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2013 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 2013 Dodge Challenger are $1,452 a year for full coverage insurance. Comprehensive costs an estimated $288 each year, collision costs $464, and liability insurance costs around $520. Buying a liability-only policy costs as low as $576 a year, with high-risk insurance costing around $3,132. Teenage drivers receive the highest rates at $5,550 a year or more.

Annual premium for full coverage: $1,452

Rate estimates for 2013 Dodge Challenger Insurance

Comprehensive $288
Collision $464
Liability $520

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 go from as low as $576 for basic liability insurance to a high rate of $3,132 for a high risk driver.

Liability Only $576
Full Coverage $1,452
High Risk $3,132

View Chart as Image

2013 Dodge Challenger insurance rates compared
Column chart showing 2013 Dodge Challenger insurance prices range from $851 to $5,550 for full coverage

These differences illustrate why all drivers should compare prices for a targeted area 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 2013 Dodge Challenger Insurance

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Searching for better insurance rates? Consumers have options when looking for the best price on Dodge Challenger insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance so you’re going to learn the best way to get price quotes for a Dodge and get the best price possible.

This information will let you in on how car insurance quotes work. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Consumers just need to learn the proper methods to shop their coverage around online.

The best way we recommend to compare car insurance rates is to realize all the major auto insurance companies participate in a system to compare their rates. To start a quote, the only thing you need to do is provide information like distance driven, if the vehicle is leased, your education level, and any included safety features. Those rating factors is then sent to many different companies and they respond with quotes quickly.

What is the best insurance coverage?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • When would I need rental car insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • If my 2013 Dodge Challenger is totaled, can I afford another vehicle?
  • Should I put collision coverage on all my vehicles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I buy only the required minimum liability coverage?
  • What can I do if my company denied a claim?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays for damage to your Challenger resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, rock chips in glass, vandalism and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, emergency aid, pain and suffering and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills for nursing services, ambulance fees, EMT expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Rates by U.S. City

2013 Dodge Challenger Insurance Rates by City
City Premium
New York City, NY $2,295
Los Angeles, CA $2,478
Philadelphia, PA $1,935
Jacksonville, FL $2,107
Phoenix, AZ $1,686
Chicago, IL $1,944
Houston, TX $2,270
Seattle, WA $1,411
Columbus, OH $1,210
Indianapolis, IN $1,238

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Rates by Driver Age

2013 Dodge Challenger Insurance Rates by Driver Age
Driver Age Premium
16 $5,550
20 $3,328
30 $1,498
40 $1,452
50 $1,326
60 $1,300

Full coverage, $500 deductibles

Rates by Deductible

2013 Dodge Challenger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,780
$250 $1,628
$500 $1,452
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Dodge Challenger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,452
50/100 $1,556
100/300 $1,686
250/500 $2,024
100 CSL $1,608
300 CSL $1,894
500 CSL $2,102

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Dodge Challenger Insurance Rates for High Risk Drivers
Age Premium
16 $7,890
20 $5,302
30 $3,186
40 $3,132
50 $2,992
60 $2,964

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 $200

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $77
Homeowner $23
5-yr Accident Free $100
5-yr Claim Free $93
Paid in Full/EFT $61
Advance Quote $69
Online Quote $102
Total Discounts $601
Rate after discounts $851

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

Find companies with the cheapest rates in your area

2013 Dodge Challenger Insurance Rates by State
State Premium
Alabama $1,310
Alaska $1,112
Arizona $1,204
Arkansas $1,452
California $1,652
Colorado $1,382
Connecticut $1,490
Delaware $1,642
Florida $1,816
Georgia $1,340
Hawaii $1,040
Idaho $984
Illinois $1,080
Indiana $1,096
Iowa $980
Kansas $1,378
Kentucky $1,976
Louisiana $2,148
Maine $896
Maryland $1,196
Massachusetts $1,158
Michigan $2,518
Minnesota $1,216
Mississippi $1,738
Missouri $1,288
Montana $1,558
Nebraska $1,144
Nevada $1,742
New Hampshire $1,046
New Jersey $1,622
New Mexico $1,284
New York $1,530
North Carolina $836
North Dakota $1,190
Ohio $1,000
Oklahoma $1,490
Oregon $1,328
Pennsylvania $1,382
Rhode Island $1,936
South Carolina $1,314
South Dakota $1,224
Tennessee $1,268
Texas $1,746
Utah $1,074
Vermont $992
Virginia $868
Washington $1,120
West Virginia $1,330
Wisconsin $1,004
Wyoming $1,290

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