Dodge Challenger Insurance Rates
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Michelle Robbins
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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...
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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.
The average insurance prices for a Dodge Challenger are $1,342 every 12 months for full coverage insurance. Comprehensive insurance costs around $254, collision costs $374, and liability is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing $2,888 or more. 16-year-old drivers cost the most to insure at $5,214 a year or more.
Average premium for full coverage: $1,342
Policy rates for type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Challenger trim levels.
Price Range Variability
For the average 40-year-old driver, Dodge Challenger insurance rates go from the cheapest price of $588 for the bare minimum liability coverage to a much higher rate of $2,888 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on rate 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.
Additional Rate Information
The chart below illustrates estimated Dodge Challenger insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $797
- Raising to $1,000 deductibles will save about $146 each year
- The average price for a good driver age 40 using $500 deductibles is $1,342
- Buying more expensive low deductibles costs an extra $272 annually
- Drivers with multiple tickets or accidents could pay at least $2,888 or more
- Policy cost to insure a 16-year-old driver with full coverage can be $5,214
Auto insurance rates for a Dodge Challenger also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $420 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $5,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 133% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Dodge Challenger insurance prices. A middle-age driver might find rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,810 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.
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 the Right Dodge Challenger Insurance
Finding cheaper rates on insurance for a Dodge Challenger consists of avoiding accidents and violations, having a good credit score, being claim-free, and maximizing policy discounts. Make time to compare rates at least every other year by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a quick rundown of the car insurance concepts touched on in this article.
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,550 more every year for car insurance
- It is possible to save up to $160 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $425 each year
- Insureds who may need higher liability limits will pay around $590 annually to raise from a 30/60 limit 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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