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: September 25, 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 |
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 |
Compare Personalized Dodge Challenger Insurance Costs
We've organized Dodge Challenger insurance costs by specific model year and trim for personalized estimates.
Data filtered by:Results filtered by:
2008
Model Year:2008
Srt8 Coupe 2d
Trim:Srt8 Coupe 2d
| Srt8 Coupe 2d | $285 | $548 |
Dodge Challenger Insurance Cost by Company
Dodge Challenger insurance costs vary by provider from $199 to $448 monthly. Minimum coverage ranges from $125 to $271, while full coverage costs $273 to $643. Rates vary due to different risk assessment models.
| 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
Car insurance for a Dodge Challenger varies dramatically by location, from as low as $143 monthly in Wyoming to $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 driving profile, particularly age and driving record, extensively affects Dodge Challenger insurance pricing. Monthly rates can reach $719 for young drivers under 25 without violations and drop to $281 for adult drivers between 26-64 with clean records.
| 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:
Cheapest Dodge Challenger Insurance Companies
When it comes to Challenger car insurance, GEICO offers the most affordable full coverage with average monthly premiums of $273. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Challenger owners at $125 monthly.
| GEICO | $125 | $273 |
| The Hartford | $185 | $316 |
| Travelers | $185 | $342 |
| State Farm | $176 | $367 |
| Kemper | $183 | $368 |
Cheapest Dodge Challenger Insurance by State
We found that these three companies offer the most affordable Dodge Challenger insurance across the nation:
- GEICO: Cheapest rates in 17 states
- Auto-Owners: Most affordable in nine states
- State Farm: Wins for affordability in five states
Filter below to find which insurer offers the best rates for your Dodge Challenger in your specific area.
How to Get the Best Cheap Dodge Challenger Insurance
Below we outline the top ways to secure affordable Dodge Challenger insurance:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Dodge's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and what you could save with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the best car insurance for your Dodge Challenger, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Dodge Challenger owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): Challenger owners often own multiple vehicles — the Challenger for weekend drives and performance, plus a practical daily driver. With full coverage averaging $1,750 per year (35% more expensive than average cars), multi-car discounts from virtually all insurers become essential for managing these higher costs.
- Bundling/Multi-Policy Discount (5% to 25% savings): The Challenger appeals to established buyers who typically own homes and can bundle auto and homeowners insurance for substantial savings from major carriers. State Farm customers can save up to 43% compared to other insurers, making bundling even more valuable.
- Good Driver/Safe Driver Discount (5% to 30% savings): Despite the Challenger's muscle car reputation, many owners are mature enthusiasts with clean driving records who qualify for the largest available discounts. Maintaining an accident-free record is crucial given the Challenger's higher insurance costs due to performance capabilities.
- Safety Features Discount (5% to 23% savings): The Dodge Challenger has a 5-star NHTSA safety rating and includes standard safety features like stability control, airbags, and antilock brakes. These features help reduce accident risk and can earn you discounts on medical-related coverage, though high-performance trims may offset some savings.
- Anti-Theft System Discount (up to 23% savings): Challengers have higher theft rates due to their desirability, but many models include Enhanced Security Mode or Intrusion Module features. Adding aftermarket anti-theft devices like alarms or GPS tracking systems can earn you substantial discounts on comprehensive coverage while protecting your investment.
- 5
Consider alternative car insurance types
Dodge Challenger owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Dodge Challenger insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.