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.
Average insurance rates for a Dodge Challenger are $1,294 a year for full coverage insurance. Comprehensive costs on average $234 each year, collision insurance costs $346, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs around $2,792. Teen drivers receive the highest rates at up to $5,080 a year.
Average premium for full coverage: $1,294
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Challenger models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $588 for basic liability insurance to a high rate of $2,792 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates the difference location can make on car insurance rates.
These examples illustrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on 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.
Rate Comparisons
The chart below illustrates average Dodge Challenger insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $771
- Drivers who choose higher $1,000 deductibles will pay around $132 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,294
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,548
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,792
- The cost for full coverage for a teen driver may cost $5,080 a year
Car insurance rates for a Dodge Challenger can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $5,000 a year. View Rates by Age
Where you live makes a big difference in Dodge Challenger insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,750 on average in Michigan, New York, and Florida.
| 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 high deductibles could save up to $390 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates
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 Cheap Dodge Challenger Insurance
Saving money on Dodge Challenger insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following items are a brief summary of the car insurance concepts touched on in this article.
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,500 more each year than a driver with a clean driving record
- It is possible to save as much as $150 per year just by quoting online in advance
- Increasing deductibles can save around $375 each year
- Drivers who require additional liability coverage will pay about $590 annually to go from a minimum limit to 250/500 limits
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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