Dodge Challenger Insurance Rates
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UPDATED: Jun 5, 2023
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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 prices for a Dodge Challenger are $1,364 every 12 months for full coverage. Comprehensive insurance costs on average $260 each year, collision insurance costs $400, and liability coverage costs around $524. Liability-only coverage costs as low as $580 a year, and high-risk coverage costs $2,940 or more. 16-year-old drivers pay the highest rates at up to $5,282 a year.
Average premium for full coverage: $1,364
Price estimates by individual coverage:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Challenger models.
Price Range from Low to High
For a driver in their 40's, Dodge Challenger insurance prices range from the cheapest price of $580 for a discount liability-only rate to a high rate of $2,940 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural areas have more infrequent accident claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.
The ranges above show why all drivers should compare prices based on a specific location and their own driving history, rather than using 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 different risk profiles and scenarios.
- The best full coverage rate is $806
- Using higher $1,000 deductibles will save around $150 a year
- The average price for the average middle-age driver with $500 deductibles is $1,364
- Buying low deductibles for physical damage coverage costs an extra $288 each year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,940
- The price to insure a teenage driver may cost $5,282 or more
Auto insurance prices for a Dodge Challenger are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Challenger.
Opting for high physical damage deductibles could cut prices by as much as $440 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $471 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 44% to 131% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Dodge Challenger insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or at least $1,950 on average in Michigan, Louisiana, and New York.
| 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% |
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 Shop for Cheap Dodge Challenger Insurance
Getting lower rates on auto insurance requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a brief summary of the concepts that were covered in the charts and tables above.
- Drivers that tend to have accidents or serious violations pay an average of $1,580 more each year than a low-risk driver
- Youthful drivers are charged the highest prices, with premiums as much as $440 a month if comprehensive and collision insurance is included
- Drivers can save as much as $160 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $450 each year
- Drivers can save as much as $160 per year just by quoting online in advance
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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