Dodge Challenger Insurance Rates
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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.
The average insurance prices for a Dodge Challenger are $1,294 every 12 months for full coverage. Comprehensive costs an estimated $234, collision costs $346, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing around $2,792. Teens cost the most to insure at $5,080 a year or more.
Average premium for full coverage: $1,294
Policy rates broken down by type of insurance:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Challenger models.
Price Range Variability
For a driver in their 40's, Dodge Challenger insurance rates go from the cheapest 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.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.
The example below illustrates how location helps determine insurance prices.
The examples above show why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.
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 shows estimated Dodge Challenger insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $771
- Choosing higher $1,000 deductibles can save approximately $132 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,294
- Selecting pricier low deductibles for comp and collision coverage increases the price to $1,548
- Higher-risk drivers with serious driving violations could pay up to $2,792 or more
- Policy cost to insure a 16-year-old driver for full coverage can cost as much as $5,080 each year
Auto insurance rates for a Dodge Challenger also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,500 to $2,200 in extra premium every year, depending on your age. Dodge Challenger insurance for high-risk drivers ranges from 43% to 129% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Dodge Challenger insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,850 on average in New York, Louisiana, 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and quoted rates will be varied.
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 Shop for the Cheapest Dodge Challenger Insurance
Finding cheaper rates on insurance for a Dodge Challenger takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.
The following is a recap of the ideas that were covered in the charts and tables above.
- Teens are the costliest to insure, costing up to $423 each month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents pay on average $1,500 more annually for Challenger insurance
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- Drivers can save approximately $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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