Dodge Challenger Insurance Rates
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UPDATED: Jun 6, 2023
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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.
Estimated insurance prices for a Dodge Challenger are $1,622 every 12 months for full coverage. Comprehensive insurance costs around $344 each year, collision costs $612, and liability insurance is $486. A policy with only liability insurance costs around $548 a year, with a high-risk policy costing $3,508 or more. Teen drivers pay the most at $6,054 a year or more.
Average premium for full coverage: $1,622
Premium estimates for type of coverage:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury 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
For the normal driver, insurance rates for a Dodge Challenger go from the cheapest price of $548 for just liability insurance to a high rate of $3,508 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas.
The graphic below illustrates how geographic area affects auto insurance rates.
These rate differences show why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying on price averages.
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.
More Rate Details
The chart below shows estimated Dodge Challenger insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $933
- Raising to $1,000 deductibles will save about $216 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,622
- Choosing low deductibles costs an extra $424 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,508 or more
- An auto insurance policy to insure a teen driver can be $6,054
Car insurance prices for a Dodge Challenger also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Choosing high deductibles can reduce prices by up to $640 each year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $438 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $6,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Dodge Challenger insurance rates. A middle-age driver might find prices as low as $1,070 a year in states like Idaho, Maine, and Iowa, or as much as $2,310 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,466 | -$156 | -9.6% |
| Alaska | $1,244 | -$378 | -23.3% |
| Arizona | $1,346 | -$276 | -17.0% |
| Arkansas | $1,622 | -$0 | 0.0% |
| California | $1,846 | $224 | 13.8% |
| Colorado | $1,548 | -$74 | -4.6% |
| Connecticut | $1,666 | $44 | 2.7% |
| Delaware | $1,836 | $214 | 13.2% |
| Florida | $2,028 | $406 | 25.0% |
| Georgia | $1,498 | -$124 | -7.6% |
| Hawaii | $1,164 | -$458 | -28.2% |
| Idaho | $1,100 | -$522 | -32.2% |
| Illinois | $1,206 | -$416 | -25.6% |
| Indiana | $1,224 | -$398 | -24.5% |
| Iowa | $1,094 | -$528 | -32.6% |
| Kansas | $1,538 | -$84 | -5.2% |
| Kentucky | $2,212 | $590 | 36.4% |
| Louisiana | $2,402 | $780 | 48.1% |
| Maine | $1,002 | -$620 | -38.2% |
| Maryland | $1,338 | -$284 | -17.5% |
| Massachusetts | $1,296 | -$326 | -20.1% |
| Michigan | $2,814 | $1,192 | 73.5% |
| Minnesota | $1,358 | -$264 | -16.3% |
| Mississippi | $1,944 | $322 | 19.9% |
| Missouri | $1,438 | -$184 | -11.3% |
| Montana | $1,742 | $120 | 7.4% |
| Nebraska | $1,278 | -$344 | -21.2% |
| Nevada | $1,944 | $322 | 19.9% |
| New Hampshire | $1,170 | -$452 | -27.9% |
| New Jersey | $1,812 | $190 | 11.7% |
| New Mexico | $1,434 | -$188 | -11.6% |
| New York | $1,708 | $86 | 5.3% |
| North Carolina | $934 | -$688 | -42.4% |
| North Dakota | $1,330 | -$292 | -18.0% |
| Ohio | $1,118 | -$504 | -31.1% |
| Oklahoma | $1,664 | $42 | 2.6% |
| Oregon | $1,486 | -$136 | -8.4% |
| Pennsylvania | $1,544 | -$78 | -4.8% |
| Rhode Island | $2,164 | $542 | 33.4% |
| South Carolina | $1,472 | -$150 | -9.2% |
| South Dakota | $1,370 | -$252 | -15.5% |
| Tennessee | $1,418 | -$204 | -12.6% |
| Texas | $1,952 | $330 | 20.3% |
| Utah | $1,198 | -$424 | -26.1% |
| Vermont | $1,110 | -$512 | -31.6% |
| Virginia | $970 | -$652 | -40.2% |
| Washington | $1,252 | -$370 | -22.8% |
| West Virginia | $1,486 | -$136 | -8.4% |
| Wisconsin | $1,122 | -$500 | -30.8% |
| Wyoming | $1,444 | -$178 | -11.0% |
With such a large range in prices, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,506 | $126 |
| Dodge Challenger R/T | $1,622 | $135 |
| Dodge Challenger SRT-8 | $1,754 | $146 |
Rates assume 2020 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 |
|---|---|---|---|---|
| 2020 Dodge Challenger | $344 | $612 | $486 | $1,622 |
| 2017 Dodge Challenger | $300 | $516 | $514 | $1,510 |
| 2015 Dodge Challenger | $270 | $426 | $520 | $1,396 |
| 2013 Dodge Challenger | $254 | $374 | $534 | $1,342 |
| 2012 Dodge Challenger | $234 | $346 | $534 | $1,294 |
| 2010 Dodge Challenger | $212 | $288 | $534 | $1,214 |
| 2009 Dodge Challenger | $200 | $262 | $534 | $1,176 |
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 Shop for the Cheapest Dodge Challenger Insurance
Finding better rates on Dodge Challenger insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The items below are a recap of the concepts that were presented in the illustrations above.
- High-risk drivers that have major violations or accidents may pay on average $1,890 more every year to insure their Challenger
- Teen drivers are the costliest to insure, as much as $505 per month if the policy includes full coverage
- Drivers can save up to $200 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $650 each year
- Drivers can save up to $200 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.
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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 | $6,054 |
| 20 | $3,736 |
| 30 | $1,688 |
| 40 | $1,622 |
| 50 | $1,482 |
| 60 | $1,452 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,046 |
| $250 | $1,850 |
| $500 | $1,622 |
| $1,000 | $1,406 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,622 |
| 50/100 | $1,851 |
| 100/300 | $1,973 |
| 250/500 | $2,289 |
| 100 CSL | $1,900 |
| 300 CSL | $2,167 |
| 500 CSL | $2,362 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,644 |
| 20 | $5,950 |
| 30 | $3,586 |
| 40 | $3,508 |
| 50 | $3,348 |
| 60 | $3,320 |
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 | $87 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $74 |
| Advance Quote | $80 |
| Online Quote | $115 |
| Total Discounts | $689 |
Discounts are estimated and may not be available from every company or in every state.
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