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 $1,294 a year including full coverage. Comprehensive insurance costs on average $234 a year, collision costs $346, and liability coverage costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing $2,792 or more. Teenage drivers cost the most to insure at $5,080 a year or more.

Average premium for full coverage: $1,294

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Challenger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why it is important to compare prices based on a specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $771
• Using higher $1,000 deductibles will save around $1,162 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,294
• Using low $100 deductibles for physical damage coverage will cost an extra $254 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,792 or more
• Policy cost for full coverage for a teenage driver may cost $5,080 or more

View Chart as Image

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

Older drivers with no driving violations and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,000 a year. View Rates by Age

Your home state has a huge impact on Dodge Challenger insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $390 a year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be varied 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 Low Cost Dodge Challenger Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the primary concepts that were covered above.

• You may be able to save as much as $150 per year simply by quoting early and online
• Drivers who have several accidents or serious violations may pay on average $1,500 more each year to insure their Challenger
• Increasing comprehensive and collision deductibles can save around $375 each year
• Teen drivers are expensive to insure, with premiums being up to $423 each month if full coverage is included

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