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 $1,364 a year including full coverage. Comprehensive costs approximately $260 a year, collision costs $400, and liability is estimated at $524. Liability-only coverage costs approximately $580 a year, with high-risk coverage costing around $2,940. Teen drivers receive the highest rates at $5,282 a year or more.

Average premium for full coverage: $1,364

Rate estimates by individual coverage type:

Estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Challenger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and risk profile, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $806
• Choosing higher $1,000 deductibles can save $1,214 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,364
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,652
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,940 or more
• The cost for full coverage for a teen driver can cost $5,282 each year

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest 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 plays a big part in determining prices for Dodge Challenger insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,950 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $440 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $471 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, 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 Low Cost Dodge Challenger Insurance

Saving money on car insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and avoiding coverage lapses. Take the time to compare rates once a year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following is a review of the data that was covered in the above illustrations.

• You may be able to save around $160 per year simply by quoting early and online
• Policyholders who purchase higher liability limits will pay about $580 per year to raise limits from a minimum limit to 250/500 limits
• Teens pay the highest auto insurance rates, as much as $440 per month if full coverage is included
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,580 more per year for Challenger insurance

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