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Dodge Challenger Car Insurance

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Key takeaways

  • Insurance for a Dodge Challenger will cost on average $2182 annually , $1092 for a 6-month policy, or $182 per month.
  • The Dodge Challenger GT and the Dodge Challenger SXT are the cheapest models to insure, costing roughly $1900/year or around $160 per month.
  • The Dodge Challenger SRT Super Stock is the costliest model to insure, with the annual premium as expensive $2404/year or $200 per month.
  • State Farm offers the cheapest coverage for the Dodge Challenger, with premiums starting at $1865/year for the 2022 model.

Dodge Challenger auto insurance cost

The Dodge Challenger is a true-blue muscle car one of the most iconic vehicles from the Dodge stable. Owning it is an absolute blast, but how must does it cost to insure such a popular vehicle? Unless you choose your auto insurance carefully, you could end up overpaying on your car premiums!

On average, Dodge Challenger insurance will cost $2182 per year, which is 33% higher than the national average of $1635 per year. You may have to pay $500-550 extra than the national average for full insurance coverage on the Dodge Challenger.

Rather than applying to each insurance provider, it is much easier to compare free quotes from multiple providers. Get a free quote for your Dodge in just minutes and compare offers from top auto insurance companies easily using

Are Dodge Challengers expensive to insure?

The Dodge Challenger is a premium muscle car that comes in several trim levels ranging from $30,000 to $84,000. On average, it is a much more expensive car to insure compared to other sports cars in this range.

For starters, the average Dodge Challenger premium across all US states amounts to roughly $2182/year, which is already 33% higher than the average national premium for all vehicles in the country. Besides that, it is also $850 costlier to insure than the cheapest sports car in its category, the Mazda MX-5 Miata.

Make/Model Annual Rate
Mazda MX-5 Miata $1,334
Ford Mustang $1,620
BMW Z4 $1,654
Subaru WRX $1,746
Toyota GR86 $1,788
Toyota GR Supra $1,830
Audi TT $1,868
Subaru BRZ $1,928
Chevrolet Corvette $1,934
BMW M3 $1,986
Porsche 718 $2,076
Chevrolet Camaro $2,124
Lexus RC F $2,174
Dodge Challenger $2,182
Mercedes-Benz AMG GT53 $2,214
Jaguar F-Type $2,316
Porsche Taycan $2,378
Porsche 911 $2,438
BMW M4 $2,440
Lexus LC 500 $2,526
Acura NSX $2,960
Audi R8 $3,090
Nissan GT-R $3,166

The only consolation is that there are models like the Nissan GT-R and Audi R8 that cost upwards of $3000/year to insure.

However, the brand of sports car you own is not the only factor that can increase premiums. Your Dodge Challenger could cost much more to insure if you are in a city like New York or Los Angeles, are a young adult, or live in a state where insurance is costly in general.

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What impacts the cost of Dodge Challenger auto insurance?

Insurance companies use a variety of factors to gauge how much to charge you as premiums. Therefore, simply owning a Dodge Challenger doesn't mean that you'll end up with a high premium.

. Some of these variables include:

  • The driver's age
  • The driver's gender
  • The city you are driving in
  • The age of the car
  • Trim level of the car
  • The insurance company you choose

Age of the driver

Teens and young adults don't have a driving record to check and hence are considered riskier applicants because they could end up involved in more accidents.

A Dodge Challenger owner in his 20s may be charged as much as $4997/year compared to a 50-year-old who'll have a premium of $2296.

Age of Driver Average Annual Rate
Age 20 $4997
Age 30 $2662
Age 40 $2522
Age 50 $2296
Age 60 $2254

Model year / age of the car

Older Dodge Challenger models will generally cost lesser to insure, because they may have different features, are less likely to be stolen compared to new models, may cost less to repair, and have a lower value overall.

The average auto insurance premium for a 2022 Dodge Challenger is $2182/year compared to $1904/year for a 2018 model.

Model Year Annual Rate Monthly Rate
2022 Dodge Challenger $2,182 $182
2021 Dodge Challenger $2,056 $171
2020 Dodge Challenger $2,018 $168
2019 Dodge Challenger $1,880 $157
2018 Dodge Challenger $1,904 $159

Trim level

Trim levels refer to the special features/equipment added to the car. You could own one of 13 different Dodge Challenger trim levels depending on the model year.

The Dodge Challenger GT and SXT trim levels are the cheapest to insure - they will only cost you $1920 on average. The SRT Super Stock is the costliest to insure at $2402/year.

Dodge Challenger Trim Level Annual Rate Monthly Rate
GT $1,904 $159
SXT $1,912 $159
GT AWD $1,964 $164
SXT AWD $1,972 $164
R/T $2,064 $172
R/T Scat Pack $2,142 $179
R/T Scat Pack Widebody $2,212 $184
SRT Hellcat $2,310 $193
SRT Hellcat Widebody $2,346 $196
SRT Hellcat Redeye $2,370 $198
SRT Hellcat Redeye Widebody $2,370 $198
SRT Jailbreak $2,394 $200
SRT Super Stock $2,402 $200

City you are located in

Dodge Challenger insurance premiums tend to be costlier if you live in a large city with a huge population and high density of vehicles - because this means a higher possibility of accidents. Certain ZIP codes can be extremely expensive to insure depending on the crimes rate and possibility of theft/burglary.

The highest Dodge Challenger premiums are found in Los Angeles ($2897/year) and New York ($2685/year).

City Average Annual Rate
Los Angeles, CA $2897
New York, NY $2685
Houston, TX $2663
Jacksonville, FL $2465
Philadelphia, PA $2279
Chicago, IL $2245
Phoenix, AZ $1975
Seattle, WA $1653
Indianapolis, IN $1450
Columbus, OH $1416

Insurance company

Based on the research done by the team, State Farm offers the cheapest Dodge Challenger insurance deals averaged across all states, with a premium of $1865/year.

Company Annual Rate
State Farm $1865
Southern Farm Bureau $1997
Country $2005
USAA $2351
Nationwide $3184
Allstate $4582
Progressive $4769

How much are the Dodge Challenger insurance rates for recent models?

  • The average auto insurance premium for a 2022 Dodge Challenger is $2182/year.
  • The average auto insurance premium for a 2021 Dodge Challenger is $2056/year.
  • The average auto insurance premium for a 2020 Dodge Challenger is $2018/year.

Dodge Challenger crash test ratings

Vehicle Year Overall Rating Front Driver and Passenger Side Driver and Passenger Rollover
2020 Dodge Challenger SRT 2 DR RWD N/R N/R N/R N/R
2020 Dodge Challenger 2 DR RWD N/R 4 Stars N/R 4 Stars
2020 Dodge Challenger 2 DR AWD N/R 4 Stars N/R 4 Stars
2019 Dodge Challenger SRT 2 DR RWD N/R N/R N/R N/R
2019 Dodge Challenger 2 DR RWD 5 Stars 4 Stars 5 Stars 4 Stars
2019 Dodge Challenger 2 DR AWD 5 Stars 4 Stars 5 Stars 4 Stars

Dodge Challenger safety features

When you own a muscle car like the Dodge Challenger, it's important to be informed about all the safety features the car offers. Here are some of the features present in the Dodge Challenger:

  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Daytime Running Lights
  • Traction Control
  • Blind Spot Monitor
  • Adaptive Cruise Control
  • Cross-Traffic Alert

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Dodge Challenger safety ratings

IIHS Safety Test Type Safety Rating
Head restraints and seats Acceptable
Roof strength Acceptable
Side strength Good
Moderate overlap front Good
Small overlap front: passenger side Untested
Small overlap front: driver-side Marginal

Ways to save on Dodge Challenger car insurance

  • Be a safe driver: Rash driving, traffic violations, and at-fault accidents can make your riskier to insure, therefore increasing your premiums. Driving safely and trying to prevent avoidable accidents can help reduce your premiums to affordable levels.
  • Improve your credit score before applying: Most insurance companies also check your credit score to determine if you can pay the monthly premium. Applicants with excellent credit scores can save as much as $250 or more yearly compared to those with lower credit scores of 670-740.
  • Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Dodge Challenger. Unpaid parking tickets, running red lights, speeding, reckless driving can all signal to your insurance company that you are a risky applicant.
  • Ask for relevant discounts: Insurance companies offer several kinds of discounts you can avail such as loyalty discounts, bundling discounts, senior citizen discounts, military veteran discounts, and more. Ask for relevant offers to lower your premium further.

How do I find the best Dodge Challenger car insurance rates?

When shopping around for Dodge Challenger auto insurance, the lowest rates don't always translate to the best coverage. That's why you should always compare, compare, compare!

Comparing free quotes from the best insurance companies allows you to pick and choose the offers that are best for your budget. You won't get the best deal by locking yourself into the first deal you get - that's how most insurance companies take advantage of you. Different companies use different methodologies to calculate the premium they offer you - what works with one may not work with the other.

Always compare as many insurance quotes as you can get before signing on for a Dodge Challenger auto insurance policy. You can also ensure a spotless traffic record and ask for any type of discount that can help shave a few hundred dollars off your premium!

How to get Dodge Challenger auto insurance with

Simply download the app or head to the website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Dodge Challenger - all in as little as 45 seconds!

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions (FAQ)

How much is car insurance for a Dodge Challenger?

The auto insurance premium for a 2022 Dodge Challenger will cost $2182/year.

Is insurance on a Dodge Challenger expensive?

The insurance on a Dodge Challenger is roughly $500 more expensive to insure compared to the national average premium for all cars. It is also quite expensive to insure compared to other muscle/sports cars. It is $850 more expensive than the cheapest sports car in the category, the Mazda MX-5 Miata.

Is a Dodge Challenger a sports car for insurance?

The Dodge Challenger can be more accurately described as a muscle car. Some muscle cars do fall under the sports car category. Ultimately, it depends on your auto insurance company, which will categorize it accordingly and charge you a premium.

Is insurance cheaper on a used Dodge Challenger?

Yes, older Dodge Challenger models are much cheaper to insure because they are already lower in value. They also cost less to repair and are less likely to be stolen compared to new models.

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