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 prices for a Dodge Challenger are $1,364 every 12 months for full coverage. Comprehensive insurance costs an estimated $260, collision costs $400, and liability is $524. Liability-only coverage costs around $580 a year, with high-risk coverage costing $2,940 or more. 16-year-old drivers pay the highest rates at $5,282 a year or more.
Average premium for full coverage: $1,364
Price estimates broken down by individual coverage:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different Challenger trim levels.
Price Range from Low to High
For a driver in their 40's, Dodge Challenger insurance prices go from the cheapest price of $580 for liability-only coverage to a much higher rate of $2,940 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on insurance rates. More rural locations have more infrequent accident claims than congested cities.
The price range example below illustrates how location helps determine insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of 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.
Additional Charts and Tables
The chart below shows estimated Dodge Challenger insurance rates for other coverage scenarios.
- The best full coverage rate is $806
- Raising to $1,000 deductibles will save approximately $150 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,364
- Buying more expensive low deductibles costs an extra $288 every year
- At-risk drivers with multiple tickets or accidents could pay up to $2,940 or more
- The price to insure a teen driver with full coverage can cost as much as $5,282
Auto insurance prices for a Dodge Challenger are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $440 every year, while increasing your policy's liability limits will increase premiums. 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
An older driver with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $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 $1,600 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 131% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Dodge Challenger insurance prices. A middle-age driver might find prices as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,950 on average in New York, Louisiana, 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% |
Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite 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 Low Cost Dodge Challenger Insurance
Getting lower rates on car insurance consists of avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a review of the data that was covered in the charts and tables above.
- Drivers can save approximately $160 per year simply by shopping early and online
- Policyholders who want increased liability limits will pay around $580 each year to raise from a low limit to a 250/500 level
- Drivers under the age of 20 are the costliest to insure, with premiums as much as $440 a month if comprehensive and collision insurance is included
- Higher risk drivers who have several accidents or serious violations pay on average $1,580 more annually to insure a Dodge Challenger
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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