Dodge Challenger Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Dodge Challenger insurance
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 auto insurance rates for a Dodge Challenger are $1,622 annually including full coverage. Comprehensive costs on average $344 a year, collision costs $612, and liability coverage costs $486. A policy with just liability insurance costs as little as $548 a year, with coverage for high-risk drivers costing around $3,508. Teens receive the highest rates at $6,054 a year or more.

Average premium for full coverage: $1,622

Rate estimates by individual coverage type:

Comprehensive $344
Collision $612
Liability $486

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Challenger trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as cheap as $548 for just the minimum liability insurance to a high of $3,508 for a driver who requires high-risk insurance.

Liability Only $548
Full Coverage $1,622
High Risk $3,508

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine car insurance rates.

Rural Areas $1,217
Small Cities $1,703
Large Cities $2,190

These examples highlight why it is important to compare rates based on a specific location and their own personal driving habits, rather than 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.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $933
  • Drivers who choose higher $1,000 deductibles will pay around $1,406 every year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,622
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost $2,046
  • High-risk insureds with serious driving violations could pay upwards of $3,508 or more
  • The cost with full coverage for a teenage driver may cost $6,054 a year

View Chart as Image

Dodge Challenger insurance cost comparison chart
Column chart showing full coverage Dodge Challenger insurance rates range from $933 to $6,054

Insurance rates for a Dodge Challenger can also vary considerably based on the trim level of your Challenger, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $6,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $640 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $438 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Dodge Challenger insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,310 on average in Michigan, New York, and Louisiana.

Dodge Challenger Insurance Rates by State
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%

View Chart as Image

Dodge Challenger insurance rates by U.S. city

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company calculates rates differently, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Dodge Challenger Insurance Rates by Model and Trim Level
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.

Dodge Challenger Insurance Rates by Model Year
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 Buy More Affordable Dodge Challenger Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a summary of the concepts that were covered in the charts and tables above.

  • Drivers who have multiple accidents or major violations pay on average $1,890 more each year to insure a Dodge Challenger
  • Drivers under the age of 20 pay higher rates, as much as $505 per month if they have full coverage
  • You may be able to save as much as $200 per year simply by quoting early and online
  • Increasing deductibles could save up to $650 each year
  • You may be able to save as much as $200 per year simply by quoting early and online

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

  1. https://www.iihs.org/ratings/vehicle/dodge/challenger-2-door-coupe/2020

Rates by Driver Age

Dodge Challenger Insurance 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

Dodge Challenger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,046
$250 $1,850
$500 $1,622
$1,000 $1,406

Full coverage, driver age 40

Rates by Liability Limit

Dodge Challenger Insurance Rates with Different Liability Limits
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

Dodge Challenger Insurance 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.

SR-22 Surcharge $226

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
Rate after discounts $933

Discounts are estimated and may not be available from every company or in every state.

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