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.
The average insurance rates for a Dodge Challenger are $1,294 a year for full coverage. Comprehensive costs an estimated $234 each year, collision insurance costs $346, and liability coverage is estimated at $534. Buying just liability costs approximately $588 a year, and insurance for high-risk drivers costs around $2,792. Teens cost the most to insure at up to $5,080 a year.
Average premium for full coverage: $1,294
Policy rates broken down by type of insurance:
Prices are based on $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Challenger models.
Price Range Variability
For an average driver, Dodge Challenger insurance rates range from the low end price of $588 for basic liability insurance to a high rate of $2,792 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on insurance prices.
The examples above show why all drivers should get quotes for a targeted area, rather than using 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.
Rate Comparisons
The chart below shows average 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 estimated price for a good driver age 40 who has $500 deductibles is $1,294
- Selecting low deductibles for comp and collision coverage bumps up the cost to $1,548
- Drivers with serious driving violations could pay up to $2,792
- Policy cost that insures a teenage driver can cost as much as $5,080 each year
Insurance rates for a Dodge Challenger also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Dodge Challenger insurance rates. 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $390 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit
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 Affordable Dodge Challenger Insurance
Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every couple of years by requesting rates from direct carriers, and also from your local independent and exclusive agents.
The following is a brief review of the material that was covered in the above illustrations.
- Consumers who want higher liability limits will pay approximately $590 each year to raise limits from a 30/60 limit to the 250/500 level
- Teens are charged the highest rates, costing up to $423 each month if full coverage is included
- Drivers with DUI or reckless driving convictions may pay on average $1,500 more annually for Challenger insurance
- Increasing comprehensive and collision deductibles can save approximately $375 each year
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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