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 auto insurance rates for a Dodge Challenger are $1,646 annually including full coverage. Comprehensive costs an estimated $356, collision insurance costs $640, and liability insurance is estimated at $470. A liability-only policy costs approximately $536 a year, and high-risk insurance costs around $3,562. 16-year-old drivers receive the highest rates at up to $6,104 a year.

Average premium for full coverage: $1,646

Rate estimates broken down by individual coverage type:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Challenger models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on insurance prices.

These examples highlight why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $944
• Choosing higher $1,000 deductibles can save approximately $226 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,646
• Buying pricier low deductibles for comp and collision coverage will cost $2,084
• High-risk insureds with multiple tickets or accidents could pay up to $3,562
• The cost with full coverage for a teen driver for full coverage can cost as much as $6,104 each year

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Insurance rates for a Dodge Challenger can also vary considerably based on the trim level of your Challenger, your driving characteristics, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,900 to $2,700 extra per year, depending on your age. Dodge Challenger insurance for high-risk drivers ranges anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $670 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $423 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Dodge Challenger insurance rates. A good driver about age 40 could pay as low as $1,260 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,350 on average in Louisiana, New York, and Michigan.

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Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheaper Dodge Challenger Insurance

Saving money on Dodge Challenger insurance takes being a low-risk driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a condensed summary of the concepts that were touched on in this article.

• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,920 more annually to insure their Challenger
• Teen drivers are charged the highest rates, as much as $509 per month including comprehensive and collision insurance
• You may be able to save approximately $200 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $675 each year
• You may be able to save approximately $200 per year just by quoting online well ahead of the renewal date

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