Dodge Challenger Insurance Rates
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UPDATED: Apr 12, 2024
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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.
Average insurance rates for a Dodge Challenger are $1,342 a year for full coverage. Comprehensive insurance costs an estimated $254, collision insurance costs $374, and liability is $534. Buying just liability costs around $588 a year, and insurance for high-risk drivers costs $2,888 or more. 16-year-old drivers receive the highest rates at up to $5,214 a year.
Average premium for full coverage: $1,342
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Challenger models.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $588 for a discount liability-only rate to the much higher price of $2,888 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than congested cities. The example below illustrates how location impacts insurance prices.
These examples show why everyone should compare rates quotes for a targeted area, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below shows average Dodge Challenger insurance rates for other coverage scenarios.
- The best full coverage rate is $797
- Raising to $1,000 deductibles will save approximately $146 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,342
- Buying pricier low deductibles will cost an additional $272 annually
- Drivers with multiple tickets or accidents could pay up to $2,888
- The cost that insures a 16-year-old driver for full coverage can cost as much as $5,214
Auto insurance rates for a Dodge Challenger can also vary considerably based on the model of your Challenger, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,600 to $2,200 in extra premium per year, depending on your age. Dodge Challenger insurance for high-risk drivers is expensive and can cost from 42% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age
Where you live also has a big influence on Dodge Challenger insurance prices. A middle-age driver might find rates as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,910 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,214 | -$128 | -9.5% |
| Alaska | $1,028 | -$314 | -23.4% |
| Arizona | $1,114 | -$228 | -17.0% |
| Arkansas | $1,342 | -$0 | 0.0% |
| California | $1,528 | $186 | 13.9% |
| Colorado | $1,278 | -$64 | -4.8% |
| Connecticut | $1,378 | $36 | 2.7% |
| Delaware | $1,516 | $174 | 13.0% |
| Florida | $1,676 | $334 | 24.9% |
| Georgia | $1,238 | -$104 | -7.7% |
| Hawaii | $962 | -$380 | -28.3% |
| Idaho | $908 | -$434 | -32.3% |
| Illinois | $996 | -$346 | -25.8% |
| Indiana | $1,014 | -$328 | -24.4% |
| Iowa | $906 | -$436 | -32.5% |
| Kansas | $1,272 | -$70 | -5.2% |
| Kentucky | $1,828 | $486 | 36.2% |
| Louisiana | $1,986 | $644 | 48.0% |
| Maine | $828 | -$514 | -38.3% |
| Maryland | $1,108 | -$234 | -17.4% |
| Massachusetts | $1,070 | -$272 | -20.3% |
| Michigan | $2,326 | $984 | 73.3% |
| Minnesota | $1,122 | -$220 | -16.4% |
| Mississippi | $1,606 | $264 | 19.7% |
| Missouri | $1,190 | -$152 | -11.3% |
| Montana | $1,438 | $96 | 7.2% |
| Nebraska | $1,058 | -$284 | -21.2% |
| Nevada | $1,610 | $268 | 20.0% |
| New Hampshire | $966 | -$376 | -28.0% |
| New Jersey | $1,500 | $158 | 11.8% |
| New Mexico | $1,186 | -$156 | -11.6% |
| New York | $1,410 | $68 | 5.1% |
| North Carolina | $772 | -$570 | -42.5% |
| North Dakota | $1,100 | -$242 | -18.0% |
| Ohio | $924 | -$418 | -31.1% |
| Oklahoma | $1,374 | $32 | 2.4% |
| Oregon | $1,228 | -$114 | -8.5% |
| Pennsylvania | $1,278 | -$64 | -4.8% |
| Rhode Island | $1,788 | $446 | 33.2% |
| South Carolina | $1,216 | -$126 | -9.4% |
| South Dakota | $1,132 | -$210 | -15.6% |
| Tennessee | $1,172 | -$170 | -12.7% |
| Texas | $1,616 | $274 | 20.4% |
| Utah | $992 | -$350 | -26.1% |
| Vermont | $918 | -$424 | -31.6% |
| Virginia | $802 | -$540 | -40.2% |
| Washington | $1,034 | -$308 | -23.0% |
| West Virginia | $1,228 | -$114 | -8.5% |
| Wisconsin | $928 | -$414 | -30.8% |
| Wyoming | $1,194 | -$148 | -11.0% |
Opting for high physical damage deductibles can reduce rates by up to $420 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,264 | $105 |
| Dodge Challenger R/T | $1,342 | $112 |
| Dodge Challenger SRT-8 | $1,426 | $119 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Challenger | $370 | $656 | $450 | $1,656 |
| 2022 Dodge Challenger | $356 | $640 | $470 | $1,646 |
| 2021 Dodge Challenger | $344 | $612 | $486 | $1,622 |
| 2020 Dodge Challenger | $326 | $592 | $500 | $1,598 |
| 2019 Dodge Challenger | $312 | $548 | $510 | $1,550 |
| 2018 Dodge Challenger | $300 | $516 | $514 | $1,510 |
| 2017 Dodge Challenger | $288 | $464 | $520 | $1,452 |
| 2016 Dodge Challenger | $270 | $426 | $520 | $1,396 |
| 2015 Dodge Challenger | $260 | $400 | $524 | $1,364 |
| 2014 Dodge Challenger | $254 | $374 | $534 | $1,342 |
| 2013 Dodge Challenger | $234 | $346 | $534 | $1,294 |
| 2012 Dodge Challenger | $228 | $314 | $540 | $1,262 |
| 2011 Dodge Challenger | $212 | $288 | $534 | $1,214 |
| 2010 Dodge Challenger | $200 | $262 | $534 | $1,176 |
| 2009 Dodge Challenger | $194 | $234 | $530 | $1,138 |
Rates are averaged for all Dodge Challenger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Dodge Challenger Insurance
Saving money on insurance for a Dodge Challenger consists of being a good driver, maintaining a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Comparison shop at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a recap of the car insurance concepts touched on above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,550 more annually than a safer driver
- Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $425 each year
- Insureds who want an increased level of liability coverage will pay around $590 each year to raise from a minimum limit to the 250/500 level
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.
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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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,214 |
| 20 | $3,064 |
| 30 | $1,378 |
| 40 | $1,342 |
| 50 | $1,228 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,614 |
| $250 | $1,488 |
| $500 | $1,342 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,342 |
| 50/100 | $1,533 |
| 100/300 | $1,666 |
| 250/500 | $2,013 |
| 100 CSL | $1,586 |
| 300 CSL | $1,880 |
| 500 CSL | $2,094 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,390 |
| 20 | $4,884 |
| 30 | $2,928 |
| 40 | $2,888 |
| 50 | $2,758 |
| 60 | $2,730 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $71 |
| Homeowner | $22 |
| 5-yr Accident Free | $88 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $54 |
| Advance Quote | $62 |
| Online Quote | $93 |
| Total Discounts | $545 |
Discounts are estimated and may not be available from every company or in every state.
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