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.

U.S. average insurance rates for a Dodge Challenger are $1,364 a year with full coverage. Comprehensive costs around $260, collision costs $400, and liability insurance costs $524. A policy with just liability insurance costs as little as $580 a year, with coverage for high-risk drivers costing around $2,940. Teen drivers pay the highest rates at $5,282 a year or more.

Average premium for full coverage: $1,364

Price estimates for individual coverage:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Challenger models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance rates.

The ranges above demonstrate why everyone should compare rates for a specific zip code and risk profile, rather than relying on price averages.

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

Additional Rate Information

The chart below details estimated Dodge Challenger insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $806
• Drivers who choose higher $1,000 deductibles will pay about $150 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,364
• Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,652
• High risk drivers with multiple violations and an at-fault accident could pay at least $2,940 or more
• The price for full coverage for a teen driver for full coverage can be $5,282 a year

View Chart as Image

Insurance prices for a Dodge Challenger are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $5,200 a year. View Rates by Age

The state you live in makes a big difference in Dodge Challenger insurance rates. A 40-year-old driver could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,840 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $440 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $471 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,600 to $2,300 extra each year, depending on your age. Dodge Challenger insurance for high-risk drivers can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, so the prices may be quite 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 the Best Cheap Dodge Challenger Insurance

Getting lower rates on Dodge Challenger insurance not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at least once a year by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a quick review of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• High-risk drivers with a DUI or reckless driving violation pay an average of $1,580 more every year to insure their Challenger
• Increasing physical damage deductibles can save around $450 each year
• Teen drivers pay higher prices, costing up to $440 a month for full coverage

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