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 insurance. Comprehensive costs around $234, collision insurance costs $346, and liability costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs around $2,792. Teenage drivers pay the highest rates at up to $5,080 a year.

Average premium for full coverage: $1,294

Price estimates for individual coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Challenger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates average Dodge Challenger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $771
• Using higher $1,000 deductibles will save about $132 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,294
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,548
• High-risk insureds who are prone to accidents and violations could pay at least $2,792
• The price for full coverage for a 16-year-old driver with full coverage can be $5,080 or more

View Chart as Image

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

An older driver with a good driving record and high deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age

The state you live in has a huge impact on Dodge Challenger insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $390 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

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 the Right Dodge Challenger Insurance

Getting lower rates on insurance for a Dodge Challenger requires being a good driver, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every time your policy renews by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a quick rundown of the information raised in the charts and tables above.

• It is possible to save up to $150 per year just by shopping early and online
• Drivers age 16 to 20 are expensive to insure, as much as $423 a month if they have full coverage
• Increasing physical damage deductibles can save around $375 each year
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,500 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay an extra $590 annually to increase 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