Dodge Challenger Insurance Rates
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UPDATED: Jun 6, 2023
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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.
The average insurance rates for a Dodge Challenger are $1,622 a year including full coverage. Comprehensive costs approximately $344, collision costs $612, and liability costs around $486. Liability-only coverage costs as low as $548 a year, with high-risk coverage costing around $3,508. Teen drivers cost the most to insure at $6,054 a year or more.
Average premium for full coverage: $1,622
Policy rates by type of insurance:
Full coverage includes $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Challenger models.
Price Range Variability
For the normal driver, Dodge Challenger insurance rates go from the low end price of $548 for a discount liability-only rate to the much higher price of $3,508 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance prices.
The examples above highlight why everyone should compare prices using their specific location, instead of using price averages.
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.
Rates by State, City, and Model
The chart below breaks down estimated Dodge Challenger insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $933
- Using higher $1,000 deductibles will save $216 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,622
- Choosing pricier low deductibles for physical damage coverage bumps up the cost to $2,046
- Drivers with multiple violations and an at-fault accident could pay around $3,508 or more
- Policy cost that insures a teen driver for full coverage can cost $6,054 or more
Insurance rates for a Dodge Challenger also range considerably based on the model of your Challenger, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 additional every year, depending on your age. Dodge Challenger insurance for high-risk drivers can be as much as 43% to 131% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,000 a year. View Rates by Age
Your home state has a huge impact on Dodge Challenger insurance prices. A driver around age 40 might see rates as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,310 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,466 | -$156 | -9.6% |
| Alaska | $1,244 | -$378 | -23.3% |
| Arizona | $1,346 | -$276 | -17.0% |
| Arkansas | $1,622 | -$0 | 0.0% |
| California | $1,846 | $224 | 13.8% |
| Colorado | $1,548 | -$74 | -4.6% |
| Connecticut | $1,666 | $44 | 2.7% |
| Delaware | $1,836 | $214 | 13.2% |
| Florida | $2,028 | $406 | 25.0% |
| Georgia | $1,498 | -$124 | -7.6% |
| Hawaii | $1,164 | -$458 | -28.2% |
| Idaho | $1,100 | -$522 | -32.2% |
| Illinois | $1,206 | -$416 | -25.6% |
| Indiana | $1,224 | -$398 | -24.5% |
| Iowa | $1,094 | -$528 | -32.6% |
| Kansas | $1,538 | -$84 | -5.2% |
| Kentucky | $2,212 | $590 | 36.4% |
| Louisiana | $2,402 | $780 | 48.1% |
| Maine | $1,002 | -$620 | -38.2% |
| Maryland | $1,338 | -$284 | -17.5% |
| Massachusetts | $1,296 | -$326 | -20.1% |
| Michigan | $2,814 | $1,192 | 73.5% |
| Minnesota | $1,358 | -$264 | -16.3% |
| Mississippi | $1,944 | $322 | 19.9% |
| Missouri | $1,438 | -$184 | -11.3% |
| Montana | $1,742 | $120 | 7.4% |
| Nebraska | $1,278 | -$344 | -21.2% |
| Nevada | $1,944 | $322 | 19.9% |
| New Hampshire | $1,170 | -$452 | -27.9% |
| New Jersey | $1,812 | $190 | 11.7% |
| New Mexico | $1,434 | -$188 | -11.6% |
| New York | $1,708 | $86 | 5.3% |
| North Carolina | $934 | -$688 | -42.4% |
| North Dakota | $1,330 | -$292 | -18.0% |
| Ohio | $1,118 | -$504 | -31.1% |
| Oklahoma | $1,664 | $42 | 2.6% |
| Oregon | $1,486 | -$136 | -8.4% |
| Pennsylvania | $1,544 | -$78 | -4.8% |
| Rhode Island | $2,164 | $542 | 33.4% |
| South Carolina | $1,472 | -$150 | -9.2% |
| South Dakota | $1,370 | -$252 | -15.5% |
| Tennessee | $1,418 | -$204 | -12.6% |
| Texas | $1,952 | $330 | 20.3% |
| Utah | $1,198 | -$424 | -26.1% |
| Vermont | $1,110 | -$512 | -31.6% |
| Virginia | $970 | -$652 | -40.2% |
| Washington | $1,252 | -$370 | -22.8% |
| West Virginia | $1,486 | -$136 | -8.4% |
| Wisconsin | $1,122 | -$500 | -30.8% |
| Wyoming | $1,444 | -$178 | -11.0% |
Choosing high deductibles could cut rates by as much as $640 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $438 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,506 | $126 |
| Dodge Challenger R/T | $1,622 | $135 |
| Dodge Challenger SRT-8 | $1,754 | $146 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Challenger | $344 | $612 | $486 | $1,622 |
| 2017 Dodge Challenger | $300 | $516 | $514 | $1,510 |
| 2015 Dodge Challenger | $270 | $426 | $520 | $1,396 |
| 2013 Dodge Challenger | $254 | $374 | $534 | $1,342 |
| 2012 Dodge Challenger | $234 | $346 | $534 | $1,294 |
| 2010 Dodge Challenger | $212 | $288 | $534 | $1,214 |
| 2009 Dodge Challenger | $200 | $262 | $534 | $1,176 |
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 Find More Affordable Dodge Challenger Insurance
Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at least every other year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The following is a summary of the car insurance concepts presented in the illustrations above.
- Higher risk drivers who have multiple accidents or major violations will likely pay on average $1,890 more per year for Challenger insurance
- You may be able to save around $200 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $650 each year
- Policyholders who purchase higher liability limits will pay about $540 per year to increase 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.
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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 | $6,054 |
| 20 | $3,736 |
| 30 | $1,688 |
| 40 | $1,622 |
| 50 | $1,482 |
| 60 | $1,452 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,046 |
| $250 | $1,850 |
| $500 | $1,622 |
| $1,000 | $1,406 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,622 |
| 50/100 | $1,851 |
| 100/300 | $1,973 |
| 250/500 | $2,289 |
| 100 CSL | $1,900 |
| 300 CSL | $2,167 |
| 500 CSL | $2,362 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,644 |
| 20 | $5,950 |
| 30 | $3,586 |
| 40 | $3,508 |
| 50 | $3,348 |
| 60 | $3,320 |
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 | $87 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $74 |
| Advance Quote | $80 |
| Online Quote | $115 |
| Total Discounts | $689 |
Discounts are estimated and may not be available from every company or in every state.
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