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Dodge Challenger insurance rates

Shedding light on car insurance prices

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.

Companies that offer coverage for Dodge Challenger

Geico. Geico is the second largest insurance provider in the country, best known for its lovable gecko mascot that claims to save you 15% or more on car insurance. Its competitive prices and range of policies make it a great choice for the Dodge Challenger.

Allstate. Allstate’s prices may be on the higher end, but that doesn’t stop it from being one of the highest-rated auto insurance providers around. Plus, its wide selection of coverage options may be eligible for a number of discounts.

Nationwide. Established nearly 100 years ago, this provider is best known for its slogan, “Nationwide is on your side”. And with an unwavering commitment to high-quality service and customer satisfaction, it lives up to its promise.

Compare insurance providers that cover Dodge Challenger

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

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.

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.

Dodge Challenger money-saving safety features

You could save money on car insurance for your Dodge Challenger if it comes equipped with these safety features.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the Dodge Challenger qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Dodge Challenger:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Dodge Challenger reliability & safety ratings

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.

Bottom line

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.

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About the Dodge Challenger

Dodge Challenger Insurance FinderThe 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.

Insurance companies determine the insurance cost for a Dodge Challenger based on safety ratings, theft rates, replacement costs and overall damage susceptibility, not to mention that insurance rates can change based on driving history and location. It’s important to grab quotes from several insurance companies to find the lowest premium possible before you commit to any provider. You should also do your research to see if you qualify for insurance discounts with each insurance company.

Dodge Challenger price

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%.

Frequently asked questions about the Dodge Challenger

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