Dodge Challenger Insurance Rates
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Michelle Robbins
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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.
U.S. average insurance rates for a Dodge Challenger are $1,294 a year including full coverage. Comprehensive insurance costs an estimated $234, collision costs $346, and liability is estimated at $534. A policy with just liability insurance costs approximately $588 a year, with coverage for high-risk drivers costing $2,792 or more. Teens pay the highest rates at $5,080 a year or more.
Average premium for full coverage: $1,294
Price estimates broken down by individual coverage:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Challenger models.
Price Range from Low to High
Using a 40-year-old driver as an example, Dodge Challenger insurance prices go from the low end price of $588 for just liability coverage to the much higher price of $2,792 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why everyone should get quotes for a targeted area, instead of using averaged prices.
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.
Detailed Rate Analysis
The chart below breaks down estimated Dodge Challenger insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $771
- Choosing higher $1,000 deductibles can save approximately $132 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,294
- Selecting pricier low deductibles for comp and collision coverage will cost an additional $254 every year
- Unlucky drivers with serious driving violations could pay up to $2,792 or more
- The price that insures a teen driver for full coverage can cost as much as $5,080 each year
Insurance prices for a Dodge Challenger are also quite variable based on the model of your Challenger, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,200 extra each year, depending on your age. Dodge Challenger insurance for high-risk drivers ranges as much as 43% to 129% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age
The state you live in plays a big part in determining prices for Dodge Challenger insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,850 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,172 | -$122 | -9.4% |
| Alaska | $994 | -$300 | -23.2% |
| Arizona | $1,076 | -$218 | -16.8% |
| Arkansas | $1,294 | -$0 | 0.0% |
| California | $1,476 | $182 | 14.1% |
| Colorado | $1,234 | -$60 | -4.6% |
| Connecticut | $1,332 | $38 | 2.9% |
| Delaware | $1,466 | $172 | 13.3% |
| Florida | $1,620 | $326 | 25.2% |
| Georgia | $1,196 | -$98 | -7.6% |
| Hawaii | $928 | -$366 | -28.3% |
| Idaho | $878 | -$416 | -32.1% |
| Illinois | $962 | -$332 | -25.7% |
| Indiana | $978 | -$316 | -24.4% |
| Iowa | $874 | -$420 | -32.5% |
| Kansas | $1,228 | -$66 | -5.1% |
| Kentucky | $1,766 | $472 | 36.5% |
| Louisiana | $1,918 | $624 | 48.2% |
| Maine | $800 | -$494 | -38.2% |
| Maryland | $1,070 | -$224 | -17.3% |
| Massachusetts | $1,034 | -$260 | -20.1% |
| Michigan | $2,248 | $954 | 73.7% |
| Minnesota | $1,084 | -$210 | -16.2% |
| Mississippi | $1,552 | $258 | 19.9% |
| Missouri | $1,148 | -$146 | -11.3% |
| Montana | $1,390 | $96 | 7.4% |
| Nebraska | $1,020 | -$274 | -21.2% |
| Nevada | $1,556 | $262 | 20.2% |
| New Hampshire | $936 | -$358 | -27.7% |
| New Jersey | $1,450 | $156 | 12.1% |
| New Mexico | $1,146 | -$148 | -11.4% |
| New York | $1,364 | $70 | 5.4% |
| North Carolina | $748 | -$546 | -42.2% |
| North Dakota | $1,062 | -$232 | -17.9% |
| Ohio | $894 | -$400 | -30.9% |
| Oklahoma | $1,328 | $34 | 2.6% |
| Oregon | $1,188 | -$106 | -8.2% |
| Pennsylvania | $1,234 | -$60 | -4.6% |
| Rhode Island | $1,728 | $434 | 33.5% |
| South Carolina | $1,174 | -$120 | -9.3% |
| South Dakota | $1,094 | -$200 | -15.5% |
| Tennessee | $1,134 | -$160 | -12.4% |
| Texas | $1,560 | $266 | 20.6% |
| Utah | $958 | -$336 | -26.0% |
| Vermont | $886 | -$408 | -31.5% |
| Virginia | $774 | -$520 | -40.2% |
| Washington | $1,000 | -$294 | -22.7% |
| West Virginia | $1,188 | -$106 | -8.2% |
| Wisconsin | $896 | -$398 | -30.8% |
| Wyoming | $1,154 | -$140 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $390 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer calculates prices differently, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,224 | $102 |
| Dodge Challenger R/T | $1,294 | $108 |
| Dodge Challenger SRT-8 | $1,374 | $115 |
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 | $356 | $640 | $470 | $1,646 |
| 2022 Dodge Challenger | $344 | $612 | $486 | $1,622 |
| 2021 Dodge Challenger | $326 | $592 | $500 | $1,598 |
| 2020 Dodge Challenger | $312 | $548 | $510 | $1,550 |
| 2019 Dodge Challenger | $300 | $516 | $514 | $1,510 |
| 2018 Dodge Challenger | $288 | $464 | $520 | $1,452 |
| 2017 Dodge Challenger | $270 | $426 | $520 | $1,396 |
| 2016 Dodge Challenger | $260 | $400 | $524 | $1,364 |
| 2015 Dodge Challenger | $254 | $374 | $534 | $1,342 |
| 2014 Dodge Challenger | $234 | $346 | $534 | $1,294 |
| 2013 Dodge Challenger | $228 | $314 | $540 | $1,262 |
| 2012 Dodge Challenger | $212 | $288 | $534 | $1,214 |
| 2011 Dodge Challenger | $200 | $262 | $534 | $1,176 |
| 2010 Dodge Challenger | $194 | $234 | $530 | $1,138 |
| 2009 Dodge Challenger | $190 | $230 | $520 | $1,120 |
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 Low Cost Dodge Challenger Insurance
Getting lower rates on car insurance takes avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Compare rates once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The points below are a review of the data that was raised in the charts and tables above.
- You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Policyholders who want increased liability limits will pay approximately $590 per year to raise limits from a low limit to the 250/500 level
- Drivers under the age of 20 are charged the highest prices, possibly costing $423 a month if full coverage is included
- Higher risk drivers who have several accidents or serious violations could be charged and average of $1,500 more annually to insure a Dodge Challenger
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 | $5,080 |
| 20 | $2,964 |
| 30 | $1,328 |
| 40 | $1,294 |
| 50 | $1,188 |
| 60 | $1,162 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,548 |
| $250 | $1,432 |
| $500 | $1,294 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,294 |
| 50/100 | $1,481 |
| 100/300 | $1,614 |
| 250/500 | $1,961 |
| 100 CSL | $1,534 |
| 300 CSL | $1,828 |
| 500 CSL | $2,042 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,194 |
| 20 | $4,724 |
| 30 | $2,828 |
| 40 | $2,792 |
| 50 | $2,668 |
| 60 | $2,642 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $22 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $89 |
| Total Discounts | $523 |
Discounts are estimated and may not be available from every company or in every state.
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