Dodge Challenger insurance costs average $107 monthly for minimum coverage and $208 for full coverage. Depending on your particular trim and model year, costs can range from $66 for a 2009 Challenger to $2,843 monthly for a 2020 model.
Dodge Challenger Insurance Cost
Updated: December 5, 2025
Key Takeaways
Dodge Challenger insurance costs vary dramatically from $89 to $2,843 monthly, with high-performance trims like the SRT models costing more than base models.
The Challenger ranks 783rd for insurance affordability among vehicle models in the U.S. market, making it one of the most expensive cars to insure.
GEICO provides the most affordable full coverage for Dodge Challenger owners at $273 monthly, while minimum coverage policies start at just $125 per month.
How Much Is Dodge Challenger Insurance?
| Dodge Challenger | $107 | $208 |
Read More: The cost of Dodge car insurance models
Dodge Challenger Insurance Cost by Model Year
Your Dodge Challenger's model year and trim level directly impact insurance rates. Newer models generally cost more to insure because of their higher fair value. Monthly premiums for Challenger coverage span a wide range, from as affordable as $93 to as expensive as $548 per month.
| 2023 | $263 | $512 |
| 2022 | $227 | $441 |
| 2021 | $207 | $402 |
| 2020 | $262 | $510 |
| 2019 | $166 | $322 |
| 2018 | $176 | $341 |
| 2017 | $213 | $411 |
| 2016 | $184 | $355 |
| 2015 | $175 | $337 |
| 2014 | $137 | $264 |
| 2013 | $124 | $238 |
| 2012 | $115 | $222 |
| 2011 | $111 | $215 |
| 2010 | $104 | $200 |
| 2009 | $93 | $180 |
| 2008 | $285 | $548 |
Dodge Challenger Insurance Cost by Trim
Your Dodge Challenger's trim dramatically affects insurance costs based on performance, theft risk and repair expenses. Monthly premiums range from $71 for basic models to $2,843 for high-performance variants like the Super Sport, making trim selection crucial for your budget.
| Se Coupe 2d | $71 | $138 |
| Coupe 2d | $83 | $161 |
| Rallye Redline Coupe 2d | $118 | $227 |
| T/A Plus Coupe 2d | $118 | $230 |
| T/A 392 Coupe 2d | $119 | $232 |
| Gt 50th Anniversary Coupe 2d | $121 | $235 |
| R/T Classic Coupe 2d | $121 | $234 |
| Sxt 100th Anniversary Edition Coupe 2d | $121 | $234 |
| R/T 50th Anniversary Coupe 2d | $122 | $238 |
| Sxt Coupe 2d | $127 | $246 |
| R/T 100th Anniversary Edition Coupe 2d | $138 | $265 |
| 392 Hemi Scat Pack Shaker Coupe 2d | $143 | $277 |
| R/T Coupe 2d | $151 | $291 |
| Srt8 392 Coupe 2d | $154 | $297 |
| R/T Scat Pack 50th Anniversary Coupe 2d | $157 | $306 |
| R/T Scat Pack Coupe 2d | $161 | $313 |
| Gt Coupe 2d | $164 | $317 |
| Srt 392 Coupe 2d | $165 | $319 |
| R/T Scat Pack 50th Anniversary Widebody Coupe 2d | $167 | $326 |
| Srt8 Core Coupe 2d | $168 | $324 |
| Srt8 Coupe 2d | $169 | $326 |
| Sxt Plus Coupe 2d | $172 | $332 |
| R/T Mopar '14 Shaker Coupe 2d | $175 | $338 |
| Scat Pack Shaker Coupe 2d | $178 | $343 |
| R/T Shaker Coupe 2d | $179 | $345 |
| Srt Demon Coupe 2d | $188 | $367 |
| R/T Plus Coupe 2d | $195 | $376 |
| Scat Pack Coupe 2d | $196 | $378 |
| R/T Scat Pack Widebody Coupe 2d | $201 | $391 |
| R/T Plus Shaker Coupe 2d | $204 | $395 |
| T/A Coupe 2d | $207 | $400 |
| Srt Hellcat Coupe 2d | $222 | $431 |
| Srt Hellcat Widebody Coupe 2d | $231 | $449 |
| Srt Hellcat Redeye Coupe 2d | $275 | $535 |
| Srt Hellcat Redeye Widebody Coupe 2d | $282 | $549 |
| Srt Hellcat Jailbreak Coupe 2d | $288 | $559 |
| Srt Hellcat Redeye Widebody Jailbreak Coupe 2d | $298 | $579 |
| Srt Hellcat Redeye Jailbreak Coupe 2d | $312 | $607 |
| Srt Super Stock Coupe 2d | $313 | $608 |
| Srt Hellcat Jailbreak Widebody Coupe 2d | $315 | $613 |
| Srt Hellcat Redeye Jailbreak Widebody Coupe 2d | $326 | $633 |
| Srt Super Sport Coupe 2d | $1,461 | $2,843 |
Dodge Challenger Insurance Cost by Company
Dodge Challenger insurance costs $199 to $448 monthly, depending on your insurer. Minimum coverage runs $125 to $271, and full coverage costs $273 to $643. Each company uses different methods to calculate risk, which explains the price differences.
| AAA | $198 | $411 |
| AIG | $254 | $643 |
| Allstate | $218 | $424 |
| Amica | $209 | $429 |
| Chubb | $256 | $507 |
| Farmers | $260 | $462 |
| GEICO | $125 | $273 |
| Kemper | $183 | $368 |
| Nationwide | $264 | $457 |
| Progressive | $224 | $420 |
| State Farm | $176 | $367 |
| The Hartford | $185 | $316 |
| Travelers | $185 | $342 |
| UAIC | $271 | $340 |
Dodge Challenger Insurance Cost by State
Dodge Challenger insurance costs change significantly based on where you live. You'll pay as little as $143 monthly in Wyoming or as much as $576 monthly in Louisiana.
| Alabama | $164 | $308 |
| Alaska | $132 | $279 |
| Arizona | $241 | $444 |
| Arkansas | $160 | $359 |
| California | $183 | $371 |
| Colorado | $176 | $423 |
| Connecticut | $263 | $449 |
| Delaware | $259 | $432 |
| Florida | $247 | $578 |
| Georgia | $262 | $435 |
| Hawaii | $94 | $212 |
| Idaho | $108 | $217 |
| Illinois | $179 | $333 |
| Indiana | $119 | $231 |
| Iowa | $105 | $255 |
| Kansas | $137 | $317 |
| Kentucky | $228 | $388 |
| Louisiana | $360 | $792 |
| Maine | $96 | $197 |
| Maryland | $292 | $491 |
| Massachusetts | $186 | $390 |
| Michigan | $282 | $542 |
| Minnesota | $149 | $308 |
| Mississippi | $173 | $342 |
| Missouri | $217 | $432 |
| Montana | $148 | $347 |
| Nebraska | $128 | $293 |
| Nevada | $328 | $596 |
| New Hampshire | $131 | $230 |
| New Jersey | $293 | $481 |
| New Mexico | $155 | $344 |
| New York | $223 | $399 |
| North Carolina | $144 | $282 |
| North Dakota | $108 | $236 |
| Ohio | $147 | $284 |
| Oklahoma | $172 | $385 |
| Oregon | $226 | $392 |
| Pennsylvania | $163 | $386 |
| Rhode Island | $225 | $401 |
| South Carolina | $191 | $357 |
| South Dakota | $105 | $315 |
| Tennessee | $155 | $309 |
| Texas | $235 | $479 |
| Utah | $197 | $333 |
| Vermont | $84 | $201 |
| Virginia | $172 | $279 |
| Washington | $171 | $319 |
| West Virginia | $159 | $322 |
| Wisconsin | $129 | $284 |
| Wyoming | $68 | $218 |
Dodge Challenger Insurance Cost by Driver Profile
Your age and driving record have the biggest impact on Dodge Challenger insurance costs. Young drivers under 25 with clean records pay around $719 monthly, while drivers ages 26 to 64 with no violations pay $281 monthly.
| Adult Drivers | $191 | $371 |
| Young Drivers | $492 | $945 |
| Senior Drivers | $255 | $470 |
| Drivers With a Speeding Ticket | $239 | $468 |
| Drivers With an Accident | $282 | $544 |
| Drivers With a DUI | $348 | $667 |
| Drivers With Bad Credit | $456 | $915 |
Is a Dodge Challenger Expensive to Insure?
You might be concerned about Dodge Challenger insurance costs given its sports car status. Compared to the rest of the models on the U.S. market, a Dodge Challenger ranks 783rd, making it one of the more expensive cars to insure. Among sports cars, the model ranks 55th out of 59
| Mazda MX-5 Miata | $71 | $137 |
| Saturn Sky | $74 | $143 |
| Honda S2000 | $74 | $144 |
| Pontiac Firebird | $76 | $146 |
| Toyota Celica | $76 | $146 |
| Mazda RX-8 | $78 | $150 |
| Ford Thunderbird | $79 | $154 |
| Nissan 350Z | $82 | $158 |
| Pontiac Solstice | $82 | $159 |
| Chrysler Crossfire | $83 | $161 |
| Bmw Z3 | $85 | $165 |
| Porsche Boxster | $85 | $165 |
| Alfa Romeo 4C | $88 | $172 |
| Ford Mustang | $88 | $171 |
| Chevrolet SS | $91 | $177 |
| Scion FR-S | $94 | $181 |
| Cadillac XLR | $96 | $186 |
| Porsche Cayman | $96 | $186 |
| Chevrolet Camaro | $97 | $189 |
| Bmw Z4 | $98 | $190 |
| Fisker Karma | $98 | $190 |
| Nissan 370Z | $99 | $191 |
| Mercedes SLC | $102 | $199 |
| Toyota 86 | $103 | $199 |
| Toyota Supra | $104 | $203 |
| Chevrolet Corvette | $104 | $202 |
| Tesla Roadster | $107 | $208 |
| Mercedes SLK-Class | $111 | $214 |
| Subaru BRZ | $112 | $215 |
| Jaguar F-Type | $111 | $218 |
| Toyota GR86 | $112 | $217 |
| Bmw Z4 M | $113 | $222 |
| Bmw M6 | $117 | $230 |
| Mercedes SL | $119 | $233 |
| Karma Revero | $120 | $235 |
| Lexus LC | $120 | $235 |
| Bmw M2 | $124 | $242 |
| Dodge Viper | $130 | $253 |
| Nissan GT-R | $132 | $258 |
| Acura NSX | $132 | $259 |
| Mercedes CLE | $133 | $261 |
| Nissan Z | $136 | $267 |
| Bentley Continental | $136 | $268 |
| Porsche 718 | $138 | $271 |
| Dodge Charger | $141 | $272 |
| Audi R8 | $143 | $280 |
| Porsche Panamera | $146 | $287 |
| Bmw M4 | $150 | $294 |
| Porsche 911 | $151 | $297 |
| Bmw 8-series | $155 | $306 |
| Mercedes SLS-Class | $158 | $314 |
| Maserati Gran Turismo | $161 | $318 |
| Bmw i8 | $169 | $335 |
| Fiat 124 Spider | $182 | $353 |
| Dodge Challenger | $191 | $371 |
| Porsche Taycan | $231 | $454 |
| Karma Gysera | $284 | $556 |
| Karma Invictus | $300 | $588 |
| Karma Kaveya | $486 | $954 |
Factors That Affect Dodge Car Insurance Costs
Several factors affect what you'll pay for Dodge Challenger insurance coverage:
- Age (average 51 median): Mature drivers receive lower rates than younger performance car buyers.
- Gender (65% male): Male ownership correlates with higher risk-taking behaviors in muscle cars.
- Income ($50,000 to $80,000+): Higher credit scores reduce premiums, though performance driving increases accident risk.
- Usage patterns: Many owners use Challengers as weekend/hobby vehicles rather than daily drivers, potentially reducing mileage-based risk factors.
Average Repair or Replacement Costs
Dodge ranks 16th in repair affordability among 59 U.S. automakers with median annual costs of $1,034. Dodge Challenger repair costs average $1,187 annually, making it Dodge's second most expensive model to repair.
Vehicle Trim, Features and Accessories
The Dodge Challenger lineup ranges from the 303-horsepower 3.6L V6 in the SXT trim to the extreme 807-horsepower supercharged 6.2L V8 in the SRT Super Stock. Performance variants increase insurance costs due to higher theft risk and repair complexity.
The R/T features a 375-horsepower 5.7L HEMI V8, while the Scat Pack delivers 485 horsepower with a 6.4L V8, and Hellcat models produce 717 to 797 horsepower from supercharged 6.2L V8s.
Higher-performance trims like the Hellcat and Super Stock require specialized parts and certified technicians, leading to substantially higher repair costs and insurance premiums.
Fuel Type
Dodge Challengers use different fuel types depending on engine configuration. Base V6 models (SXT, GT) run on regular 87-octane gasoline, though 89-octane is recommended for optimal performance. Performance V8s require premium fuel: 5.7L HEMI needs 89-octane (automatic) or 91-octane (manual), while 6.4L and supercharged 6.2L engines demand 91-octane minimum.
Not many shops specialize in high-performance American muscle cars. The ones that do charge more because they need special tools and training. Plus, performance parts cost more than regular car parts. Insurance companies know this, so they charge Challenger owners higher rates to cover these expensive repairs.
Location
Dodge Challenger owners are concentrated in regions with strong American muscle car culture and performance vehicle communities. Location affects rates through state regulations, weather risks, crime rates and accident statistics.
The Challenger's declining sales (24,275 in 2023 to 17,317 in 2024) reflect regional market preferences, with the strongest appeal in areas where muscle cars maintain cultural significance.
Driver Profile
Most Dodge Challenger drivers are middle-aged (average 51 years old) with established careers and higher disposable income ($50,000 to $80,000+). This demographic receives better rates due to mature driving habits and financial stability.
Driver demographics affect Dodge Challenger rates:
How to Lower the Cost of Dodge Challenger Insurance
Below we outline the top ways to secure affordable Dodge Challenger insurance:
- 1Choose the right coverage
You'll need to determine how much coverage to buy for your Challenger. If you own your Dodge, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Gauge typical premiums by researching average auto insurance costs for muscle cars. Use this information as your starting point when comparing the cheapest car insurance companies.
- 3Look for more than just low rates
Securing quality car insurance means researching beyond price tags. Examine J.D. Power customer satisfaction scores, read forum discussions about claims experiences, check Better Business Bureau records and confirm AM Best financial ratings. Low premiums don't matter when claims get denied or delayed.
- 4Explore discounts you qualify for
Locate car insurance discounts that work for you. Dodge Challenger owners frequently qualify for safety features discounts, bundling discounts, multi-vehicle discounts, anti-theft discounts and low mileage discounts.
- 5Consider alternative car insurance types
Dodge Challenger owners should consider usage-based insurance or GEICO DriveEasy that track driving patterns and offer savings for safe behavior.
- 6Check rates every year
Comparing car insurance quotes from multiple sources each year keeps you from overpaying. Companies adjust rates regularly, and switching when you find better deals can reduce your Dodge Challenger insurance by up to 24%.
Dodge Challenger Insurance Cost: Bottom Line
Insuring a Dodge Challenger costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Dodge Challenger Insurance Rates: FAQ
Here are answers to common questions about insuring a Dodge Challenger.
What is the average cost of car insurance for a Dodge Challenger?
The Dodge Challenger's average annual insurance cost is $2,296 for state minimum and $4,449 for full coverage.
What company has the cheapest car insurance for a Dodge Challenger?
GEICO offers the cheapest minimum coverage auto insurance for a Dodge Challenger, with an annual minimum coverage rate of $1,500. For those looking for full coverage policies, Travelers is the most cost-effective option at $3,276 per year.
Are Dodge Challengers expensive to insure?
Yes, Dodge Challenger insurance costs much more than most cars. Out of 827 vehicles we track, the Challenger ranks 783rd for affordability. Among sports cars, this model sits at 55th out of 59.
What factors affect insurance costs for Dodge Challengers?
Several things drive up your Dodge Challenger rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or with weather risks will increase rates.
How can I lower Dodge Challenger insurance costs?
Shop around with multiple insurers as rates vary for Dodge Challengers, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts or bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Dodge Challenger Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Dodge Challenger insurance costs.
Who We Based These Rates On
These Dodge Challenger prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.