Dodge Challenger Insurance Rates

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.

Average insurance prices for a Dodge Challenger are $1,294 every 12 months for full coverage. Comprehensive insurance costs an estimated $234, collision costs $346, and liability coverage is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,792 or more. Teenage drivers receive the highest rates at $5,080 a year or more.

Average premium for full coverage: $1,294

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Challenger models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities.

The example below illustrates how your location can change insurance prices.

These examples show why everyone should compare rates quotes for a targeted area and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows estimated Dodge Challenger insurance rates for other coverage scenarios.

• The best discount rate is $771
• Raising to $1,000 deductibles will save approximately $132 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,294
• Using pricier low deductibles costs an extra $254 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,792 or more
• The cost to insure a teenage driver for full coverage can cost as much as $5,080

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Car insurance rates for a Dodge Challenger can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $390 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,500 to $2,200 extra per year, depending on your age. Dodge Challenger insurance for high-risk drivers is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Dodge Challenger insurance rates. A middle-age driver might find rates as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Cheaper Dodge Challenger Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Invest the time to shop around at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the car insurance concepts illustrated above.

• Drivers with multiple at-fault accidents pay on average $1,500 more annually for Challenger insurance
• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $375 each year
• Consumers who want higher liability limits will pay an extra $590 each year to raise from a minimum limit to a 250/500 level

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.

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.

• Audi S5 Insurance Rates
• Nissan GT-R Insurance Rates

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

1. https://www.iihs.org/ratings/vehicle/dodge/challenger-2-door-coupe/2020