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 $1,342 a year including full coverage. Comprehensive costs an estimated $254 a year, collision costs $374, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing around $2,888. 16-year-old drivers pay the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,342

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Challenger trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

The ranges above highlight why it is important to 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.

More Rate Details

The chart below breaks down 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 $1,196 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,342
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,614
• High-risk insureds with multiple tickets or accidents could pay up to $2,888 or more
• The price for full coverage for a teenage driver can cost as much as $5,214 a year

View Chart as Image

Insurance prices for a Dodge Challenger are also quite variable based on your driving record, the model of your Challenger, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $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 $1,030 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,910 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $420 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every company utilizes a different rate formula, and 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 Cheap Dodge Challenger Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having a good credit history, being claim-free, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a brief summary of the material that was covered in the charts and tables above.

• Consumers who want an increased level of liability coverage will pay around $590 per year to go from a low limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, possibly costing $435 a month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations may pay on average $1,550 more annually than a safer driver
• Increasing physical damage deductibles can save around $425 each year

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