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.

Estimated auto insurance rates for a Dodge Challenger are $1,342 annually for full coverage. Comprehensive insurance costs on average $254 each year, collision costs $374, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,888 or more. Teenage drivers pay the most at $5,214 a year or more.

Average premium for full coverage: $1,342

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Challenger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities.

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

These rate differences show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $797
• Raising to $1,000 deductibles will save around $146 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,342
• Using low deductibles costs an additional $272 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,888 or more
• An auto insurance policy with full coverage for a teen driver may cost $5,214

View Chart as Image

Insurance prices for a Dodge Challenger also have a wide range based on the model of your Challenger, your driver profile, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $420 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Dodge Challenger insurance prices. A middle-age driver might find prices as low as $890 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,910 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different 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 better rates on car insurance consists of avoiding accidents and claims, having a good credit history, not filing small claims, and bundling your home and auto policies. Invest time comparing rates at least once a year by getting rate quotes from direct carriers, and also from local insurance agents.

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

• Drivers can save as much as $160 per year simply by quoting online in advance
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,550 more each year to insure a Dodge Challenger
• Increasing policy deductibles could save up to $425 each year
• Drivers under the age of 20 pay the highest prices, as much as $435 per month including comprehensive and collision insurance

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