Key takeaways
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.
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.
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:
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.
| 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 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 |
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 |
Based on the research done by the Way.com 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 |
| 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 |
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:
| 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 |
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!
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!
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
The auto insurance premium for a 2022 Dodge Challenger will cost $2182/year.
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.
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.
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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