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.
U.S. average insurance rates for a Dodge Challenger are $1,364 a year including full coverage. Comprehensive costs approximately $260, collision costs $400, and liability insurance costs $524. Liability-only insurance costs as little as $580 a year, with high-risk driver insurance costing around $2,940. Teenage drivers pay the highest rates at $5,282 a year or more.
Average premium for full coverage: $1,364
Price estimates by individual coverage:
These estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Challenger models.
Price Range from Low to High
For a driver in their 40's, Dodge Challenger insurance prices go from as low as $580 for a discount liability-only rate to the much higher price of $2,940 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.
The example below illustrates how location helps determine auto insurance prices.
The ranges above highlight why everyone should compare rates using their specific location and risk profile, rather than relying on average rates.
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 breaks down estimated Dodge Challenger insurance rates for additional coverage and risk scenarios.
- The best discount rate is $806
- Drivers who choose higher $1,000 deductibles will pay $150 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,364
- Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,652
- High risk drivers who are prone to accidents and violations could pay around $2,940 or more
- The price for full coverage for a teen driver for full coverage can cost $5,282 a year
Car insurance prices for a Dodge Challenger are also quite variable based on your driving record, the model of your Challenger, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age
The state you live in makes a big difference in Dodge Challenger insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,950 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,232 | -$132 | -9.7% |
| Alaska | $1,046 | -$318 | -23.3% |
| Arizona | $1,134 | -$230 | -16.9% |
| Arkansas | $1,364 | -$0 | 0.0% |
| California | $1,554 | $190 | 13.9% |
| Colorado | $1,302 | -$62 | -4.5% |
| Connecticut | $1,400 | $36 | 2.6% |
| Delaware | $1,544 | $180 | 13.2% |
| Florida | $1,706 | $342 | 25.1% |
| Georgia | $1,260 | -$104 | -7.6% |
| Hawaii | $976 | -$388 | -28.4% |
| Idaho | $924 | -$440 | -32.3% |
| Illinois | $1,016 | -$348 | -25.5% |
| Indiana | $1,030 | -$334 | -24.5% |
| Iowa | $920 | -$444 | -32.6% |
| Kansas | $1,294 | -$70 | -5.1% |
| Kentucky | $1,860 | $496 | 36.4% |
| Louisiana | $2,018 | $654 | 47.9% |
| Maine | $842 | -$522 | -38.3% |
| Maryland | $1,124 | -$240 | -17.6% |
| Massachusetts | $1,090 | -$274 | -20.1% |
| Michigan | $2,368 | $1,004 | 73.6% |
| Minnesota | $1,142 | -$222 | -16.3% |
| Mississippi | $1,634 | $270 | 19.8% |
| Missouri | $1,208 | -$156 | -11.4% |
| Montana | $1,466 | $102 | 7.5% |
| Nebraska | $1,074 | -$290 | -21.3% |
| Nevada | $1,638 | $274 | 20.1% |
| New Hampshire | $984 | -$380 | -27.9% |
| New Jersey | $1,524 | $160 | 11.7% |
| New Mexico | $1,206 | -$158 | -11.6% |
| New York | $1,436 | $72 | 5.3% |
| North Carolina | $786 | -$578 | -42.4% |
| North Dakota | $1,118 | -$246 | -18.0% |
| Ohio | $942 | -$422 | -30.9% |
| Oklahoma | $1,398 | $34 | 2.5% |
| Oregon | $1,248 | -$116 | -8.5% |
| Pennsylvania | $1,300 | -$64 | -4.7% |
| Rhode Island | $1,820 | $456 | 33.4% |
| South Carolina | $1,238 | -$126 | -9.2% |
| South Dakota | $1,152 | -$212 | -15.5% |
| Tennessee | $1,194 | -$170 | -12.5% |
| Texas | $1,642 | $278 | 20.4% |
| Utah | $1,008 | -$356 | -26.1% |
| Vermont | $934 | -$430 | -31.5% |
| Virginia | $816 | -$548 | -40.2% |
| Washington | $1,052 | -$312 | -22.9% |
| West Virginia | $1,250 | -$114 | -8.4% |
| Wisconsin | $944 | -$420 | -30.8% |
| Wyoming | $1,216 | -$148 | -10.9% |
Using high physical damage deductibles could save up to $440 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $471 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 extra each year, depending on your age. Dodge Challenger insurance for high-risk drivers can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Challenger SE | $1,284 | $107 |
| Dodge Challenger R/T | $1,364 | $114 |
| Dodge Challenger SRT-8 | $1,454 | $121 |
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 | $384 | $660 | $440 | $1,664 |
| 2022 Dodge Challenger | $370 | $656 | $450 | $1,656 |
| 2021 Dodge Challenger | $356 | $640 | $470 | $1,646 |
| 2020 Dodge Challenger | $344 | $612 | $486 | $1,622 |
| 2019 Dodge Challenger | $326 | $592 | $500 | $1,598 |
| 2018 Dodge Challenger | $312 | $548 | $510 | $1,550 |
| 2017 Dodge Challenger | $300 | $516 | $514 | $1,510 |
| 2016 Dodge Challenger | $288 | $464 | $520 | $1,452 |
| 2015 Dodge Challenger | $270 | $426 | $520 | $1,396 |
| 2014 Dodge Challenger | $260 | $400 | $524 | $1,364 |
| 2013 Dodge Challenger | $254 | $374 | $534 | $1,342 |
| 2012 Dodge Challenger | $234 | $346 | $534 | $1,294 |
| 2011 Dodge Challenger | $228 | $314 | $540 | $1,262 |
| 2010 Dodge Challenger | $212 | $288 | $534 | $1,214 |
| 2009 Dodge Challenger | $200 | $262 | $534 | $1,176 |
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 Cheap Dodge Challenger Insurance
Getting lower rates on Dodge Challenger insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and avoiding coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below you'll find a brief summary of the data covered in the charts and tables above.
- Drivers who purchase more liability protection will pay an extra $580 per year to go from a low limit to 250/500 limits
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $450 each year
- Youthful drivers pay the highest auto insurance prices, possibly costing $440 a month if full coverage is included
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 | $5,282 |
| 20 | $3,124 |
| 30 | $1,404 |
| 40 | $1,364 |
| 50 | $1,250 |
| 60 | $1,224 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,652 |
| $250 | $1,520 |
| $500 | $1,364 |
| $1,000 | $1,214 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,364 |
| 50/100 | $1,559 |
| 100/300 | $1,690 |
| 250/500 | $2,030 |
| 100 CSL | $1,611 |
| 300 CSL | $1,899 |
| 500 CSL | $2,109 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,492 |
| 20 | $4,978 |
| 30 | $2,982 |
| 40 | $2,940 |
| 50 | $2,808 |
| 60 | $2,782 |
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 | $71 |
| Multi-vehicle | $73 |
| Homeowner | $22 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $56 |
| Advance Quote | $63 |
| Online Quote | $95 |
| Total Discounts | $558 |
Discounts are estimated and may not be available from every company or in every state.
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