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.

The average auto insurance rates for a Dodge Challenger are $1,294 annually for full coverage. Comprehensive costs an estimated $234 a year, collision costs $346, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,792. Teenage drivers cost the most to insure at $5,080 a year or more.

Average premium for full coverage: $1,294

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Challenger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

The chart below shows estimated Dodge Challenger insurance rates for other coverage scenarios.

• The best discount rate is $771
• Using higher $1,000 deductibles will save approximately $1,162 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,294
• Using low $100 deductibles for physical damage coverage will cost $1,548
• High-risk insureds who are prone to accidents and violations could pay up to $2,792 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,080 or more

View Chart as Image

Car insurance rates for a Dodge Challenger also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $390 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Challenger insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 Buy Cheaper Dodge Challenger Insurance

Finding cheaper rates on insurance for a Dodge Challenger requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the data that was touched on above.

• Drivers can save approximately $150 per year simply by quoting early and online
• Insureds who want more liability protection will pay an extra $590 each year to increase from a 30/60 limit to higher 250/500 limits
• Youthful drivers have the highest car insurance rates, costing up to $423 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,500 more annually than a low-risk driver

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