Dodge Challenger Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 12, 2024
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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 $1,342 every 12 months including full coverage. Comprehensive insurance costs an estimated $254 a year, collision costs $374, and liability costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,888 or more. Teenage drivers pay the most at $5,214 a year or more.
Average premium for full coverage: $1,342
Premium estimates broken down by type of coverage:
Estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Challenger trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Dodge Challenger go from the cheapest price of $588 for your basic liability-only policy to a high of $2,888 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on insurance prices.
These rate differences highlight why it is important to compare rates for a targeted area and their own driving history, instead of using average rates.
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.
More Rate Information
The chart below breaks down estimated Dodge Challenger insurance rates for other coverage scenarios.
- The best discount rate is $797
- Drivers who choose higher $1,000 deductibles will pay approximately $1,196 every year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,342
- Using low $100 deductibles for comprehensive and collision insurance costs an extra $272 every year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,888 or more
- An auto insurance policy to insure a teen driver can cost as much as $5,214 a year
Insurance prices for a Dodge Challenger also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles could save up to $420 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Dodge Challenger insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,910 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,214 | -$128 | -9.5% |
| Alaska | $1,028 | -$314 | -23.4% |
| Arizona | $1,114 | -$228 | -17.0% |
| Arkansas | $1,342 | -$0 | 0.0% |
| California | $1,528 | $186 | 13.9% |
| Colorado | $1,278 | -$64 | -4.8% |
| Connecticut | $1,378 | $36 | 2.7% |
| Delaware | $1,516 | $174 | 13.0% |
| Florida | $1,676 | $334 | 24.9% |
| Georgia | $1,238 | -$104 | -7.7% |
| Hawaii | $962 | -$380 | -28.3% |
| Idaho | $908 | -$434 | -32.3% |
| Illinois | $996 | -$346 | -25.8% |
| Indiana | $1,014 | -$328 | -24.4% |
| Iowa | $906 | -$436 | -32.5% |
| Kansas | $1,272 | -$70 | -5.2% |
| Kentucky | $1,828 | $486 | 36.2% |
| Louisiana | $1,986 | $644 | 48.0% |
| Maine | $828 | -$514 | -38.3% |
| Maryland | $1,108 | -$234 | -17.4% |
| Massachusetts | $1,070 | -$272 | -20.3% |
| Michigan | $2,326 | $984 | 73.3% |
| Minnesota | $1,122 | -$220 | -16.4% |
| Mississippi | $1,606 | $264 | 19.7% |
| Missouri | $1,190 | -$152 | -11.3% |
| Montana | $1,438 | $96 | 7.2% |
| Nebraska | $1,058 | -$284 | -21.2% |
| Nevada | $1,610 | $268 | 20.0% |
| New Hampshire | $966 | -$376 | -28.0% |
| New Jersey | $1,500 | $158 | 11.8% |
| New Mexico | $1,186 | -$156 | -11.6% |
| New York | $1,410 | $68 | 5.1% |
| North Carolina | $772 | -$570 | -42.5% |
| North Dakota | $1,100 | -$242 | -18.0% |
| Ohio | $924 | -$418 | -31.1% |
| Oklahoma | $1,374 | $32 | 2.4% |
| Oregon | $1,228 | -$114 | -8.5% |
| Pennsylvania | $1,278 | -$64 | -4.8% |
| Rhode Island | $1,788 | $446 | 33.2% |
| South Carolina | $1,216 | -$126 | -9.4% |
| South Dakota | $1,132 | -$210 | -15.6% |
| Tennessee | $1,172 | -$170 | -12.7% |
| Texas | $1,616 | $274 | 20.4% |
| Utah | $992 | -$350 | -26.1% |
| Vermont | $918 | -$424 | -31.6% |
| Virginia | $802 | -$540 | -40.2% |
| Washington | $1,034 | -$308 | -23.0% |
| West Virginia | $1,228 | -$114 | -8.5% |
| Wisconsin | $928 | -$414 | -30.8% |
| Wyoming | $1,194 | -$148 | -11.0% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,264 | $105 |
| Dodge Challenger R/T | $1,342 | $112 |
| Dodge Challenger SRT-8 | $1,426 | $119 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Challenger | $370 | $656 | $450 | $1,656 |
| 2022 Dodge Challenger | $356 | $640 | $470 | $1,646 |
| 2021 Dodge Challenger | $344 | $612 | $486 | $1,622 |
| 2020 Dodge Challenger | $326 | $592 | $500 | $1,598 |
| 2019 Dodge Challenger | $312 | $548 | $510 | $1,550 |
| 2018 Dodge Challenger | $300 | $516 | $514 | $1,510 |
| 2017 Dodge Challenger | $288 | $464 | $520 | $1,452 |
| 2016 Dodge Challenger | $270 | $426 | $520 | $1,396 |
| 2015 Dodge Challenger | $260 | $400 | $524 | $1,364 |
| 2014 Dodge Challenger | $254 | $374 | $534 | $1,342 |
| 2013 Dodge Challenger | $234 | $346 | $534 | $1,294 |
| 2012 Dodge Challenger | $228 | $314 | $540 | $1,262 |
| 2011 Dodge Challenger | $212 | $288 | $534 | $1,214 |
| 2010 Dodge Challenger | $200 | $262 | $534 | $1,176 |
| 2009 Dodge Challenger | $194 | $234 | $530 | $1,138 |
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 Low Cost Dodge Challenger Insurance
Finding better rates on car insurance not only requires having a good driving record, but also having good credit, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates at least every other year by quoting rates from direct car insurance companies, and also from local insurance agencies.
The next list is a review of the car insurance concepts covered in the above illustrations.
- Higher risk drivers who have several accidents or serious violations may have to pay on average $1,550 more annually to buy Dodge Challenger insurance
- You may be able to save approximately $160 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $425 each year
- Policyholders who want increased levels of liability coverage will pay an extra $590 per year to go from 30/60 bodily injury limits to a 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.
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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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,214 |
| 20 | $3,064 |
| 30 | $1,378 |
| 40 | $1,342 |
| 50 | $1,228 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,614 |
| $250 | $1,488 |
| $500 | $1,342 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,342 |
| 50/100 | $1,533 |
| 100/300 | $1,666 |
| 250/500 | $2,013 |
| 100 CSL | $1,586 |
| 300 CSL | $1,880 |
| 500 CSL | $2,094 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,390 |
| 20 | $4,884 |
| 30 | $2,928 |
| 40 | $2,888 |
| 50 | $2,758 |
| 60 | $2,730 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $71 |
| Homeowner | $22 |
| 5-yr Accident Free | $88 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $54 |
| Advance Quote | $62 |
| Online Quote | $93 |
| Total Discounts | $545 |
Discounts are estimated and may not be available from every company or in every state.
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