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 $1,622 a year including full coverage. Comprehensive insurance costs on average $344, collision insurance costs $612, and liability coverage is $486. A liability-only policy costs around $548 a year, and high-risk insurance costs $3,508 or more. Teens cost the most to insure at up to $6,054 a year.

Average premium for full coverage: $1,622

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Challenger models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects car insurance rates.

The examples above highlight why everyone should compare rates quotes based on a specific location, rather than using averaged prices.

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

Rate Comparisons

The chart below breaks down average Dodge Challenger insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $933
• Raising to $1,000 deductibles will save around $216 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,622
• Selecting pricier low deductibles will cost an additional $424 each year
• Unlucky drivers with serious driving violations could pay upwards of $3,508
• Policy cost that insures a teenage driver for full coverage may cost $6,054

View Chart as Image

Car insurance rates for a Dodge Challenger also range considerably based on the model of your Challenger, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,900 to $2,600 extra every year, depending on your age. Dodge Challenger insurance for high-risk drivers is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $6,000 a year. View Rates by Age

Your home state also has a big influence on Dodge Challenger insurance rates. A middle-age driver might find rates as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,310 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $640 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $438 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find Cheaper Dodge Challenger Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates every time your policy renews by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a condensed summary of the information touched on in the above illustrations.

• You may be able to save as much as $200 per year just by quoting online well ahead of the renewal date
• Teenage drivers are expensive to insure, with premiums being up to $505 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Drivers with multiple at-fault accidents could be forced to pay on average $1,890 more each year for auto insurance
• Consumers who require higher levels of liability will pay approximately $540 per year to raise from a 30/60 limit to the 250/500 level

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