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 insurance prices for a Dodge Challenger are $1,342 every 12 months for full coverage insurance. Comprehensive costs around $254 a year, collision insurance costs $374, and liability costs $534. A policy with only liability insurance costs as little as $588 a year, and a high-risk policy costs around $2,888. Teens pay the most at up to $5,214 a year.

Average premium for full coverage: $1,342

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Challenger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

These rate differences illustrate why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Dodge Challenger insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $797
• Drivers who choose higher $1,000 deductibles will pay about $1,196 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,342
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,614
• Drivers with serious driving violations could pay at least $2,888
• An auto insurance policy to insure a 16-year-old driver can be $5,214 a year

View Chart as Image

Car insurance prices for a Dodge Challenger also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $420 annually, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Challenger insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,810 on average in Michigan, New York, and Florida.

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 Cheaper Dodge Challenger Insurance

Finding better rates on insurance for a Dodge Challenger not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates at every other renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a condensed summary of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,550 more every year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $435 per month if the policy includes full coverage
• It is possible to save up to $160 per year just by quoting early and online
• Increasing policy deductibles could save as much as $425 each year
• It is possible to save up to $160 per year just by quoting 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