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.

U.S. average insurance rates for a Dodge Challenger are $1,294 a year for full coverage. Comprehensive insurance costs around $234, collision costs $346, and liability coverage is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing $2,792 or more. Teenage drivers pay the highest rates at $5,080 a year or more.

Average premium for full coverage: $1,294

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all Challenger models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities.

The example below illustrates how where you live affects auto insurance rates.

The ranges above show why everyone should get quotes for a specific zip code and risk profile, rather than using average rates.

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

More Rate Details

The chart below shows estimated Dodge Challenger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $771
• Choosing higher $1,000 deductibles can save about $132 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,294
• Using pricier low deductibles for comp and collision coverage will cost an extra $254 each year
• Drivers who are prone to accidents and violations could pay at least $2,792 or more
• The price for full coverage for a teenage driver for full coverage can be $5,080 each year

View Chart as Image

Car insurance prices for a Dodge Challenger are also quite variable based on your driving record, the trim level of your Challenger, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Challenger insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $390 a year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,200 extra each year, depending on your age. Dodge Challenger insurance for high-risk drivers ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different 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 Cheap Dodge Challenger Insurance

Getting lower rates on auto insurance takes being a good driver, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a brief summary of the car insurance concepts touched on in the above illustrations.

• Drivers that tend to have accidents or serious violations may be required to pay an average of $1,500 more every year than a safer driver
• Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $375 each year
• Consumers who may need an increased level of liability coverage will pay an extra $590 each year to raise limits from a low 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.

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