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 rates for a Dodge Challenger are $1,342 a year with full coverage. Comprehensive insurance costs approximately $254 each year, collision costs $374, and liability insurance costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing $2,888 or more. Teens receive the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,342

Rate estimates by individual coverage type:

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Challenger models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects auto insurance prices.

These examples demonstrate why all drivers should compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below details estimated Dodge Challenger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $797
• Using higher $1,000 deductibles will save $146 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,342
• Selecting low deductibles for physical damage coverage will cost an extra $272 a year
• Drivers with serious driving violations could pay around $2,888 or more
• The cost for full coverage for a teen driver can cost $5,214 or more

View Chart as Image

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

More mature drivers with no driving violations and high deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

Where you live has a huge impact on Dodge Challenger insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,810 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $420 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 Find Cheap Dodge Challenger Insurance

Saving money on Dodge Challenger insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following is a brief summary of the ideas that were presented in the illustrations above.

• Teens pay the highest auto insurance rates, with premiums as much as $435 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations pay on average $1,550 more per year for Challenger insurance
• Increasing deductibles can save around $425 each year
• You may be able to save around $160 per year simply by quoting online in advance

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