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.
Estimated insurance prices for a Dodge Challenger are $1,364 every 12 months for full coverage. Comprehensive costs on average $260, collision costs $400, and liability coverage is estimated at $524. Liability-only insurance costs approximately $580 a year, with high-risk driver insurance costing around $2,940. Teenage drivers pay the most at $5,282 a year or more.
Average premium for full coverage: $1,364
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all Challenger models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Dodge Challenger go from the cheapest price of $580 for minimum levels of liability insurance to the much higher price of $2,940 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities.
The example below illustrates how where you live affects car insurance rates.
These rate differences show why everyone should get quotes based on a specific location and their own driving history, rather than using 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.
Additional Rate Details
The chart below shows estimated Dodge Challenger insurance rates for different risk profiles and scenarios.
- The best discount rate is $806
- Choosing higher $1,000 deductibles can save around $150 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,364
- Using pricier low deductibles for comp and collision coverage increases the price to $1,652
- Drivers who are prone to accidents and violations could pay upwards of $2,940 or more
- An auto insurance policy to insure a teenage driver for full coverage may cost $5,282 each year
Insurance prices for a Dodge Challenger also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Challenger.
Using high physical damage deductibles can save as much as $440 a year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $471 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,300 additional annually, depending on your age. Dodge Challenger insurance for high-risk drivers ranges around 44% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Dodge Challenger insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $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% |
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices will be substantially different.
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 the Cheapest Dodge Challenger Insurance
Finding better rates on auto insurance takes having a decent driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every year by getting quotes from direct carriers, and also from local independent and exclusive agents.
The following items are a recap of the coverage data touched on in the above illustrations.
- Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $450 each year
- 16 to 18-year-old drivers pay higher prices, as much as $440 per month if full coverage is included
- Drivers that have major violations or accidents pay an average of $1,580 more each year than a driver with a clean driving record
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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