Dodge Challenger Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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Dodge Challenger insurance
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, collision insurance costs $612, and liability coverage costs $486. Liability-only insurance costs as little as $548 a year, and high-risk driver insurance costs $3,508 or more. 16-year-old drivers pay the most at up to $6,054 a year.

Average premium for full coverage: $1,622

Premium estimates for type of coverage:

Comprehensive $344
Collision $612
Liability $486

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Challenger trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Dodge Challenger range from the cheapest price of $548 for just liability coverage to a much higher rate of $3,508 for a driver who requires high-risk insurance.

Liability Only $548
Full Coverage $1,622
High Risk $3,508

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than congested cities. The price range example below illustrates how where you live affects auto insurance rates.

Rural Areas $1,217
Small Cities $1,703
Large Cities $2,190

These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using rate 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.

Detailed Rate Analysis

The chart below shows average Dodge Challenger insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $933
  • Drivers who choose higher $1,000 deductibles will pay about $216 a year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,622
  • Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $424 each year
  • High-risk insureds with multiple tickets or accidents could pay at least $3,508
  • An auto insurance policy to insure a teenage driver with full coverage can be $6,054 a year

View Chart as Image

Dodge Challenger insurance cost comparison chart
Column chart showing Dodge Challenger insurance prices range from $933 to $6,054 for full coverage

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.

Opting for high physical damage deductibles could save up to $640 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $438 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay 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 additional annually, depending on your age. High-risk driver insurance can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Challenger insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Idaho, Maine, and Iowa, or at least $2,310 on average in Michigan, Louisiana, and New York.

Dodge Challenger Insurance Rates by State
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%

View Chart as Image

Dodge Challenger insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Dodge Challenger Insurance Rates by Model and Trim Level
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.

Dodge Challenger Insurance Rates by Model Year
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 Cheaper Dodge Challenger Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the concepts that were touched on in the above illustrations.

  • Drivers with multiple at-fault accidents may pay on average $1,890 more every year than a low-risk driver
  • Youthful drivers are charged the highest prices, as much as $505 per month if full coverage is included
  • Drivers can save up to $200 per year just by shopping early and online
  • Increasing policy deductibles could save as much as $650 each year
  • Drivers can save up to $200 per year just by shopping early and online

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

  1. https://www.iihs.org/ratings/vehicle/dodge/challenger-2-door-coupe/2020

Rates by Driver Age

Dodge Challenger Insurance 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

Dodge Challenger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,046
$250 $1,850
$500 $1,622
$1,000 $1,406

Full coverage, driver age 40

Rates by Liability Limit

Dodge Challenger Insurance Rates with Different Liability Limits
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

Dodge Challenger Insurance 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.

SR-22 Surcharge $226

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
Rate after discounts $933

Discounts are estimated and may not be available from every company or in every state.

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