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.

Estimated insurance rates for a Dodge Challenger are $1,294 a year for full coverage. Comprehensive costs on average $234 each year, collision costs $346, and liability costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing around $2,792. Teen drivers pay the most at $5,080 a year or more.

Average premium for full coverage: $1,294

Premium estimates by type of coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Challenger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates how your location can change car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

More Rate Details

The chart below shows estimated Dodge Challenger insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $771
• Using higher $1,000 deductibles will save around $132 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,294
• Choosing low deductibles for physical damage coverage will increase the cost to $1,548
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,792 or more
• An auto insurance policy for full coverage for a 16-year-old driver may cost $5,080 or more

View Chart as Image

Insurance prices for a Dodge Challenger also have a wide range based on your driving characteristics, the trim level of your Challenger, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Challenger insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $390 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can be from 43% to 129% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially 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 the Right Dodge Challenger Insurance

Finding better rates on insurance for a Dodge Challenger requires being safe and accident-free, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

Below you'll find a quick rundown of the material that was illustrated above.

• Insureds who require more liability protection will pay about $590 each year to increase from 30/60 bodily injury limits to 250/500 limits
• Youthful drivers pay higher prices, as much as $423 per month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions will pay on average $1,500 more each year than a low-risk driver
• Increasing policy deductibles can save around $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.

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