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 $1,342 a year for full coverage insurance. Comprehensive costs an estimated $254, collision insurance costs $374, and liability coverage costs $534. A policy with only liability insurance costs as little as $588 a year, and a high-risk policy costs around $2,888. 16-year-old drivers pay the most at up to $5,214 a year.

Average premium for full coverage: $1,342

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different Challenger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using rate averages.

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

Rates by State, City, and Model

The chart below illustrates average Dodge Challenger insurance rates for other coverage scenarios.

• The best full coverage rate is $797
• Drivers who choose higher $1,000 deductibles will pay approximately $146 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,342
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,614
• High-risk insureds with multiple tickets or accidents could pay up to $2,888
• An auto insurance policy for full coverage for a teenage driver with full coverage can cost as much as $5,214 a year

View Chart as Image

Car insurance prices for a Dodge Challenger also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Challenger insurance rates. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,810 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $420 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

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

Finding better rates on auto insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to compare rates at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers that tend to have accidents or serious violations pay on average $1,550 more annually than a safer driver
• It is possible to save approximately $160 per year just by shopping early and online
• Increasing policy deductibles can save around $425 each year
• Consumers who want an increased level of liability coverage will pay around $590 annually to go from 30/60 bodily injury limits to 250/500 limits

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