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 insurance prices for a Dodge Challenger are $1,342 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $254, collision insurance costs $374, and liability coverage is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,888 or more. Teens cost the most to insure at up to $5,214 a year.

Average premium for full coverage: $1,342

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Challenger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Dodge Challenger insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $797
• Raising to $1,000 deductibles will save approximately $146 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,342
• Selecting more expensive low deductibles costs an extra $272 each year
• Unlucky drivers with serious driving violations could pay up to $2,888
• Policy cost to insure a teenage driver with full coverage can cost as much as $5,214

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $420 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $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 $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Dodge Challenger insurance rates. A middle-age driver might find rates as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,810 on average in Florida, New York, and Michigan.

View Chart as Image

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 Shop for Cheap Dodge Challenger Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to shop around at every other renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a brief summary of the concepts that were raised in the charts and tables above.

• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,550 more annually for car insurance
• Teenagers are expensive to insure, possibly costing $435 each month if full coverage is included
• It is possible to save approximately $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• It is possible to save approximately $160 per year just by shopping 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.

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