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.

The average insurance rates for a Dodge Challenger are $1,342 a year for full coverage. Comprehensive insurance costs an estimated $254, collision costs $374, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,888 or more. 16-year-old drivers cost the most to insure at $5,214 a year or more.

Average premium for full coverage: $1,342

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Challenger models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.

The example below illustrates how location impacts insurance prices.

The examples above show why everyone should compare rates for a targeted area and risk profile, rather than using rate averages.

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

Additional Charts and Tables

The chart below shows estimated Dodge Challenger insurance rates for other coverage scenarios.

• The best full coverage rate is $797
• Drivers who choose higher $1,000 deductibles will pay approximately $146 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,342
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $272 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,888 or more
• Policy cost for full coverage for a teenage driver for full coverage can cost as much as $5,214 a year

View Chart as Image

Insurance rates for a Dodge Challenger also range considerably based on your risk profile, the trim level of your Challenger, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

Your home state makes a big difference in Dodge Challenger insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,910 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $420 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,600 to $2,200 additional every year, depending on your age. Dodge Challenger insurance for high-risk drivers can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, and rates will be varied 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 More Affordable Dodge Challenger Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a summary of the coverage data touched on above.

• Drivers can save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $425 each year
• Teenagers are expensive to insure, costing up to $435 each month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations pay an average of $1,550 more annually for car 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