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 Way.com.
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.
Mazda MX-5 Miata
Toyota GR Supra
Lexus RC F
Mercedes-Benz AMG GT53
Lexus LC 500
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.
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.
2022 Dodge Challenger
2021 Dodge Challenger
2020 Dodge Challenger
2019 Dodge Challenger
2018 Dodge Challenger
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
R/T Scat Pack
R/T Scat Pack Widebody
SRT Hellcat Widebody
SRT Hellcat Redeye
SRT Hellcat Redeye Widebody
SRT Super Stock
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).
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
Front Driver and Passenger
Side Driver and Passenger
2020 Dodge Challenger SRT 2 DR RWD
2020 Dodge Challenger 2 DR RWD
2020 Dodge Challenger 2 DR AWD
2019 Dodge Challenger SRT 2 DR RWD
2019 Dodge Challenger 2 DR RWD
2019 Dodge Challenger 2 DR AWD
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 Disc Brakes
Electronic Stability Control
Driver Air Bag
Passenger Air Bag
Front Head Air Bag
Rear Head Air Bag
Front Side Air Bag
Daytime Running Lights
Blind Spot Monitor
Adaptive Cruise Control
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Dodge Challenger safety ratings
IIHS Safety Test Type
Head restraints and seats
Moderate overlap front
Small overlap front: passenger side
Small overlap front: driver-side
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.
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 Way.com
Simply download the Way.com app or head to the Way.com 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 Way.com’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 way.com
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.