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Average Dodge Challenger insurance rates
Initially released in 1969, the Dodge Challenger has been produced in three generations, with the most recent iteration beginning in 2008. Pricing starts at just under $30,000 but goes as high as $85,000 depending on the model you choose. But despite being equipped with an arsenal of great safety features, coverage can still be expensive.
The average cost of auto insurance for a Dodge Challenger is $245 per month, which works out to a total of $2,940 a year. Although this estimate is more than double the national average of $1,318, your price may be different. The cost of insurance can vary depending on your driving history, location and more. That’s why it’s important to compare your options to get the best price on the coverage you need.
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A 2017 Dodge Challenger starts at a base price of $26,995. With the average insurance rate at $2,940 per year, the annual insurance cost–to–base car price ratio is 10.9%.
Monthly insurance rate
Base car price
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
2017 Dodge Challenger
10,001–15,000 miles driven yearly
No accidents in the past five years
Anti-theft device on vehicle
Driver located in New York
Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
Dodge Challenger model year
Amount of coverage you need
Estimated miles you drive in a year
Vehicle’s safety and anti-theft features
Driver’s credit score and location
Driver’s age, marital status and gender
Driving history in the past five years
Whether the driver rents, leases or owns the vehicle
How to compare insurance for the Dodge Challenger
Shopping for auto insurance can be a hassle if you don’t know what to look for. Many providers use similar language and claim to have the best price even though policies and coverage can vary. But as frustrating as it may be, coverage is mandatory in almost every state. While you won’t be able to avoid insurance, there are a number of ways you can reduce the cost. Consider these factors when shopping around and you might be able to save on auto insurance.
Price. It’s important to compare similar coverage when shopping for auto insurance. Use the same information for every quote in order to find out which provider has the best price.
Deductible. Your deductible can directly affect the cost of your insurance premiums. Choose an amount the fits your budget but won’t break the bank if you need to file a claim.
Minimum coverage. Every state has different mandatory minimum coverage amounts. Ensure your state minimums are met before committing to a policy.
Additional coverage. There are a number of ways you can extend your coverage. Find out what options are available and be sure to include them in your quotes to get an accurate estimate.
Extras. Extras like accident forgiveness and vanishing deductible can set policies apart from one another. Find out what each policy includes, then decide whether it’s worth paying extra for other features.
Restrictions. Policy restrictions can limit coverage and even lead to denied claims. Find out if any apply to you before purchasing coverage.
Manufacturer offer or loyalty discount. Some automakers have partnerships that may include manufacturer offers or loyalty discounts. Find out if you’re eligible and you may be able to save.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
Car insurance rates for Dodge Challenger by year
What factors affect car insurance rates for Dodge Challenger?
While your driving history and location can influence the price you pay for auto insurance, the vehicle you drive often has a much more significant impact. This is because performance, theft rates, safety features and other variables can differ between makes and models. Here’s how a few vehicle-specific factors could affect the price you pay for auto insurance.
Body type. The Dodge Challenger is a two-door coupe that’s designed for performance, which might make it more expensive to insure.
Type of car. The Challenger is a pony/muscle car that puts out up to 840 horsepower. Depending on your choice of model and build options, insurance could be expensive.
Theft. While muscle cars generally aren’t considered high-profile targets for theft, the 2013 Challenger was the third most stolen car. This may lead to higher premiums.
Repairs. The lower-end models shouldn’t be too expensive to repair but the pricier ones might be. Your choice of model could affect your rates.
Safety ratings. The Challenger has decent safety ratings. Compared to other vehicles with higher scores, insurance could be more expensive.
Fuel type. This vehicle has a gas engine, which is generally cheaper to repair than diesel or hybrid engines. This may make insurance a bit more affordable.
Trim & packages. Choosing models or build options that increase power could lead to more expensive auto insurance. However, options that improve safety or visibility could have the opposite effect.
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Does the Dodge Challenger qualify for auto insurance discounts?
You could save money on car insurance for your Dodge Challenger if it comes equipped with these safety features.
According to U.S. News and J.D. Power, the 2018 Dodge Challenger holds a safety rating of 8.4/10. The NHTSA gives it an overall rating of 5/5 stars, with 4/5 for frontal crash, 5/5 for side crash and 4/5 for rollover. However, the IIHS gives it average or below average ratings in most crashworthiness categories.
U.S. News and J.D. Power give the 2018 Challenger a 3/5 star reliability rating, which is on par with other vehicles in its class. However, your experience may vary depending on your choice of model and options along with how you drive your vehicle.
Dodge Challenger maintenance
Putting out up to 840 horsepower, the Dodge Challenger is a powerful muscle car that’s designed to offer an exciting driving experience. Its powerful engine and performance-inspired features may require more maintenance then luxury vehicles and other daily drivers. Routine maintenance to replace oil, rotate tires and other simple measures can ensure that your vehicle operates as it should. Here’s what to expect:
Dodge recommends an oil change every 8,000 miles or 6 months, whichever comes first.
Oil changes should cost between $75 and $150, but your price may vary depending on how frequently your vehicle is driven and where you bring it for service.
Consult your owners manual for more details on the service schedule for the Dodge Challenger.
Is an extended warranty worth it for the Dodge Challenger?
The Challenger is backed by a three-year/36,000-mile standard warranty and five-year/60,000-mile powertrain warranty. It also comes with five years of corrosion protection and roadside assistance.
While Dodge itself doesn’t offer an extended warranty for the Challenger, there are two plans available through Mopar, its parent company. Terms are available up to eight years/125,000 miles and covers parts, low deductibles, rental allowances and more. Considering the Challenger’s satisfactory reliability rating, the extended warranty options may provide peace of mind once your initial warranty expires.
About the Dodge Challenger
The Dodge Challenger has been around since 1958 and currently in its fourth generation. The sports car is known for its excellent engine lineup, luxurious and spacious interior and smooth automatic transmission. In 2016, there were over 64,000 models sold in the United States. The 2018 muscle car will be the most extreme version of the Challenger yet.
Compare Dodge competitors
Find out what else Dodge has to offer or explore other manufacturers to compare vehicles similar to the Challenger.
The Dodge Challenger is a powerful muscle car that’s designed for speed and performance. Given its powerful engine and mediocre safety & reliability ratings, coverage might be expensive. However, your choice of model, build options, and many other factors can affect the cost of insurance, making it important to compare your options to find out exactly how much you’ll pay.
Frequently asked questions about the Dodge Challenger
Auto insurance is very situational, so it’s tough to say what provider is best for the Dodge Challenger. With that being said, by getting quotes from multiple providers, you can compare your options to find out which offers the best value for the coverage you need.
Considering its power and performance-oriented design, auto insurance for the Dodge Challenger can be expensive. Since your vehicle’s performance can directly affect the cost of insurance, models with more horsepower will cost more to insure. With that said, the Challenger comes with a number of great safety features that may be eligible for auto insurance discounts. Speak with potential providers about potential discounts, then compare your options to find the best rates.
Find your state minimums or speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your state’s minimum requirements.
Which car insurance provider is best for me?
Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.
Wielding a degree in Economics from Dalhousie University, Peter Carleton is a writer that covers banking and investing at finder.com. From savings accounts to cutting-edge banking apps, robo-advisors and beyond, he breaks down what you need to know about where you put your money. When Peter's not thinking about bank accounts and investing tools, he runs a creative agency and spends his spare time cooking or reading.
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