Dodge Challenger Car Insurance Cost 2025
Insuring a Dodge Challenger typically costs $2,405 per year on average. However, the actual premium can vary based on factors like your age, the model year of your car, and other personal details. You can use the quote tables below to get a more accurate estimate of your specific insurance costs.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Dodge Challenger, it’s essential to consider the cost of insurance. Insurance is a significant aspect of owning a car, and it’s crucial to understand its implications before making a purchase. On average, insurance for a Dodge Challenger cost $2,405 per year.
Choosing the right car insurance policy is vital to avoid unexpected and potentially high expenses in the future. It’s important to have adequate coverage in case of an accident to prevent significant out-of-pocket costs. Additionally, being at fault in an accident could lead to higher premiums.
With over ten years of experience analyzing car insurance rates, I’ve observed the considerable variability in these costs. Factors such as age, driving history, and location can significantly impact insurance premiums.
How Much Does A Dodge Challenger Car Insurance Cost?
Dodge Challenger drivers typically pay an average of $2,405 per year for car insurance.
It’s important to note that the cost of car insurance can vary widely due to several key factors, including your location, driving history, the model year of your vehicle, and the specific coverage options you choose. Keeping a clean driving record can help you secure lower premiums, while a history of accidents or traffic violations may lead to higher costs.
Additionally, living in an urban area with heavy traffic typically results in higher insurance rates compared to rural areas with less congestion. The type of coverage you select also impacts your premium—comprehensive insurance, which covers both comprehensive and collision, generally comes with higher costs than minimum liability coverage.
As shown in the table below, insuring a Dodge Challenger tends to be more expensive than the average cost for all Dodge models. In fact, it’s also more expensive than the average cost for all vehicles.
Insuranceopedia is here to help you compare quotes from various auto insurance providers, ensuring you find the best deal that suits your needs.
| Vehicle | Average Monthly Premium |
| Dodge Challenger | $215 |
| All Dodges | $186 |
| All Cars | $175 |
Average Insurance Cost Of Dodge Challenger By Model Year
| Model Year | Average Premium |
| 2023 Dodge Challenger | $771 |
| 2022 Dodge Challenger | $968 |
| 2021 Dodge Challenger | $758 |
| 2020 Dodge Challenger | $1,279 |
| 2019 Dodge Challenger | $703 |
| 2018 Dodge Challenger | $828 |
| 2017 Dodge Challenger | $626 |
| 2016 Dodge Challenger | $674 |
| 2015 Dodge Challenger | $910 |
| 2014 Dodge Challenger | $788 |
| 2013 Dodge Challenger | $653 |
| 2012 Dodge Challenger | $908 |
| 2011 Dodge Challenger | $610 |
| 2010 Dodge Challenger | $678 |
2023 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2023 Dodge Challenger is $771. However, Safeco offers the cheapest rates, averaging $91 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $808 |
| Liberty Mutual | $454 |
| Infinity Special | $704 |
| National General Value | $1,276 |
| Direct Auto | $993 |
| Safeco | $91 |
| Plymouth Rock | $567 |
| Pekin Insurance | $1,174 |
| Kemper Auto | Infinity | $443 |
| Victoria | $1,199 |
2022 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2022 Dodge Challenger is $968. However, Safeco offers the cheapest rates, averaging $67 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $909 |
| Pekin Insurance | $1,358 |
| NatGen Custom 360 | $1,338 |
| Kemper Personal Insurance | $310 |
| Titan | $990 |
| Buckeye Insurance Group | $1,499 |
| American National P | $910 |
| Safeco | $67 |
| Indiana Farmers Mutual Ins | $1,368 |
| American National P&C | $934 |
2021 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2021 Dodge Challenger is $758. However, Safeco offers the cheapest rates, averaging $223 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $1,010 |
| Victoria | $374 |
| Kemper Auto Premier | $950 |
| Dairyland Auto 1 Month | $626 |
| Safeco | $223 |
| NatGen Custom 360 | $530 |
| Utica National Ins Group | $903 |
| NatGen Advantage | $910 |
| NatGen PPA | $1,027 |
| Concord Group | $1,026 |
2020 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2020 Dodge Challenger is $1,279. However, Safeco offers the cheapest rates, averaging $148 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $1,581 |
| Texas Farm Bureau Group | $1,452 |
| North Carolina Farm Bureau | $1,679 |
| Mercury Insurance | $1,298 |
| Tennessee Farmers | $1,626 |
| Direct Auto | $1,470 |
| Safeco | $148 |
| Dairyland Broadform | $1,544 |
| Jupiter Auto Insurance | $570 |
| Utica National Ins Group | $1,425 |
2019 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2019 Dodge Challenger is $703. However, Jupiter Auto Insurance offers the cheapest rates, averaging $49 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,144 |
| Mercury Insurance Company | $990 |
| Infinity Special | $795 |
| Utica National Ins Group | $1,034 |
| Jupiter Auto Insurance | $49 |
| Mercury Insurance | $871 |
| Titan | $995 |
| Safeco | $397 |
| NatGen Custom 360 | $157 |
| Kemper Personal Insurance | $597 |
2018 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2018 Dodge Challenger is $828. However, Safeco offers the cheapest rates, averaging $34 per year.
| Insurance Provider | Average Annual Cost |
| Verti Insurance | $717 |
| Kemper Auto Premier | $701 |
| Dairyland Broadform | $1,044 |
| Titan | $1,208 |
| Dairyland Auto 1 Month | $1,135 |
| American National P | $1,225 |
| Utica National Ins Group | $1,252 |
| NatGen Custom 360 | $236 |
| Mercury Insurance | $731 |
| Safeco | $34 |
2017 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2017 Dodge Challenger is $626. However, Jupiter Auto Insurance offers the cheapest rates, averaging $37 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $304 |
| American National P | $1,115 |
| Utica National Ins Group | $754 |
| Kemper Auto Premium | $626 |
| NatGen Custom 360 | $168 |
| North Carolina Farm Bureau | $1,251 |
| Jupiter Auto Insurance | $37 |
| Safeco | $197 |
| Titan | $1,099 |
| Mercury Insurance | $737 |
2016 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2016 Dodge Challenger is $674. However, Safeco offers the cheapest rates, averaging $109 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $109 |
| NatGen Custom 360 | $319 |
| Indiana Farmers Mutual Ins | $887 |
| Mercury Insurance | $336 |
| Dairyland Auto 1 Month | $194 |
| Dairyland Broadform | $970 |
| Dairyland FR Bond | $1,184 |
| Kemper Auto | $857 |
| Utica National Ins Group | $1,018 |
| American National P&C | $869 |
2015 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2015 Dodge Challenger is $910. However, Safeco offers the cheapest rates, averaging $76 per year.
| Insurance Provider | Average Annual Cost |
| Safety Group | $1,339 |
| Safeco | $76 |
| Ameriprise Group | $787 |
| North Carolina Farm Bureau | $1,183 |
| American National P | $1,296 |
| PEMCO | $1,147 |
| Utica National Ins Group | $1,008 |
| Dairyland Auto 1 Month | $167 |
| SECURA Insurance | $1,125 |
| Mercury Insurance | $973 |
2014 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2014 Dodge Challenger is $788. However, Safeco offers the cheapest rates, averaging $111 per year.
| Insurance Provider | Average Annual Cost |
| Indiana Farmers Mutual Ins | $988 |
| Dairyland Scored | $758 |
| NatGen Custom 360 | $505 |
| Safeco | $111 |
| Mercury Insurance Company | $810 |
| Kemper Auto | $1,219 |
| Buckeye Insurance Group | $1,111 |
| Mercury Insurance | $156 |
| North Carolina Farm Bureau | $1,165 |
| SafeAuto | $1,055 |
2013 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2013 Dodge Challenger is $653. However, Safeco offers the cheapest rates, averaging $40 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $1,044 |
| Mercury Insurance | $712 |
| SECURA Insurance | $1,024 |
| NatGen Custom 360 | $264 |
| Mercury Insurance Company | $792 |
| Utica National Ins Group | $911 |
| Safeco | $40 |
| Farmers Mutual of Nebraska | $979 |
| NatGen Value | $416 |
| Kemper Personal Insurance | $350 |
2012 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2012 Dodge Challenger is $908. However, Safeco offers the cheapest rates, averaging $57 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $496 |
| North Carolina Farm Bureau | $1,174 |
| Kentucky Farm Bureau | $1,196 |
| West Bend Mutual | $861 |
| Texas Farm Bureau Group | $1,300 |
| SECURA Insurance | $919 |
| Utica National Ins Group | $905 |
| Clearcover | $1,049 |
| Kemper Premium | $1,119 |
| Safeco | $57 |
2011 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2011 Dodge Challenger is $610. However, Safeco offers the cheapest rates, averaging $33 per year.
| Insurance Provider | Average Annual Cost |
| Commerce Group Inc | $695 |
| Concord Group | $606 |
| NatGen Custom 360 | $281 |
| American National P | $807 |
| Pekin Insurance | $886 |
| SECURA Insurance | $870 |
| Buckeye Insurance Group | $756 |
| MMG Insurance Company | $641 |
| Mercury Insurance | $528 |
| Safeco | $33 |
2010 Dodge Challenger Insurance Rates
The average annual insurance cost for a 2010 Dodge Challenger is $678. However, Safeco offers the cheapest rates, averaging $56 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance Company | $946 |
| Safeco | $56 |
| Kemper Auto Premier | $512 |
| Utica National Ins Group | $1,105 |
| NatGen Custom 360 | $177 |
| Mercury Insurance | $143 |
| Buckeye Insurance Group | $1,160 |
| Kemper Premium | $931 |
| Jupiter Auto Insurance | $875 |
| North Carolina Farm Bureau | $878 |
Find Affordable Dodge Challenger Insurance Rates
Is A Dodge Challenger Expensive To Insure?
The cost to insure a Dodge Challenger is higher than the average for all cars. However, the exact amount you’ll pay for insurance can vary based on factors like your age, the car’s model year, your location, and other personal details.
Cost of Dodge Challenger Car Insurance By Age
Age plays a crucial role in determining car insurance rates for any vehicle. Teen drivers usually face the highest premiums because they are statistically more likely to be involved in accidents compared to other age groups. As you get older and demonstrate more responsible driving behavior, your premiums tend to decrease, making you a lower insurance risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,615 | $9,742 | $11,364 |
| 18 | $6,187 | $9,047 | $10,568 |
| 19 | $5,430 | $7,983 | $9,298 |
| 20 | $4,727 | $6,985 | $8,125 |
| 21 | $4,025 | $5,857 | $6,839 |
| 22 | $3,879 | $5,687 | $6,680 |
| 23 | $3,403 | $4,943 | $5,845 |
| 24 | $3,259 | $4,701 | $5,520 |
| 25 | $2,781 | $4,123 | $4,748 |
| 30 | $2,200 | $3,183 | $3,752 |
| 35 | $2,045 | $3,025 | $3,479 |
| 40 | $1,918 | $2,883 | $3,392 |
| 45 | $1,914 | $2,783 | $3,233 |
| 55 | $1,782 | $2,599 | $3,007 |
| 65 | $1,802 | $2,639 | $3,078 |
| 75 | $2,279 | $3,385 | $3,930 |
Dodge Challenger Car Insurance Rates By State
Where you live plays a significant role in how insurance companies calculate your rates. Each state has its own regulations for auto insurance—Michigan drivers, for example, often pay higher premiums due to the state’s requirement for more extensive coverage. Additionally, the climate in your area can impact your rates, with some states experiencing extreme weather like hurricanes, storms, and flooding.
Furthermore, each region has its own statistics on crime and auto accidents, including rates of car thefts, crashes, and vehicle-related fatalities. Insurance providers take all of these factors into consideration when determining your exact Dodge Challenger insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,042 | $2,997 | $3,869 |
| Alaska | $1,688 | $2,397 | $2,298 |
| Arizona | $1,965 | $2,790 | $4,111 |
| Arkansas | $2,156 | $3,295 | $3,685 |
| California | $2,320 | $4,161 | $2,346 |
| Colorado | $2,236 | $3,067 | $3,865 |
| Connecticut | $2,774 | $4,369 | $5,487 |
| Delaware | $2,318 | $3,069 | $3,939 |
| Florida | $2,799 | $3,860 | $5,035 |
| Georgia | $2,237 | $3,389 | $3,380 |
| Hawaii | $904 | $1,274 | $877 |
| Idaho | $1,576 | $2,058 | $2,543 |
| Illinois | $1,618 | $2,469 | $2,826 |
| Indiana | $1,665 | $2,606 | $2,913 |
| Iowa | $1,366 | $1,784 | $2,160 |
| Kansas | $1,754 | $2,561 | $2,984 |
| Kentucky | $2,533 | $3,810 | $4,499 |
| Louisiana | $3,326 | $5,028 | $5,404 |
| Maine | $1,229 | $1,764 | $2,560 |
| Maryland | $2,020 | $2,902 | $3,278 |
| Massachusetts | $1,654 | $2,798 | $1,660 |
| Michigan | $3,886 | $5,962 | $9,352 |
| Minnesota | $1,575 | $2,111 | $3,059 |
| Mississippi | $1,968 | $2,742 | $2,804 |
| Missouri | $1,801 | $2,634 | $3,432 |
| Montana | $1,847 | $2,591 | $2,984 |
| Nebraska | $1,591 | $2,313 | $2,485 |
| Nevada | $2,543 | $3,889 | $4,020 |
| New Hampshire | $1,845 | $2,832 | $3,590 |
| New Jersey | $1,944 | $3,080 | $4,029 |
| New Mexico | $1,999 | $3,062 | $3,160 |
| New York | $1,830 | $2,337 | $3,932 |
| North Carolina | $1,131 | $2,013 | $1,417 |
| North Dakota | $1,599 | $2,463 | $2,825 |
| Ohio | $1,400 | $2,166 | $2,258 |
| Oklahoma | $2,290 | $3,275 | $3,659 |
| Oregon | $2,065 | $2,762 | $3,302 |
| Pennsylvania | $1,777 | $2,576 | $3,001 |
| Rhode Island | $2,943 | $4,214 | $4,843 |
| South Carolina | $1,976 | $2,748 | $3,747 |
| South Dakota | $1,809 | $2,529 | $2,914 |
| Tennessee | $2,075 | $3,052 | $4,076 |
| Texas | $2,081 | $2,990 | $3,717 |
| Utah | $1,742 | $2,513 | $3,402 |
| Vermont | $1,360 | $2,088 | $2,276 |
| Virginia | $1,274 | $1,938 | $1,982 |
| Washington | $1,680 | $2,313 | $2,726 |
| West Virginia | $1,704 | $2,499 | $3,103 |
| Wisconsin | $1,690 | $2,700 | $3,068 |
| Wyoming | $1,635 | $2,262 | $2,367 |
Find Affordable Dodge Challenger Insurance Rates
Cheapest Car Insurance Companies For A Dodge Challenger
If you’re looking to purchase a new car insurance policy for your Dodge Challenger, you may want to know which companies offer the cheapest rates. For drivers seeking the most affordable coverage, Encompass offers a premium of $38 per month, making them the least expensive provider for a Dodge Challenger. However, keep in mind that rates can vary based on your driver profile, so this figure is just an average. To find the best deal tailored to your needs, it’s best to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Encompass | $38 |
| Arrowhead | $58 |
| MetroMile | $50 |
| Hugo | $57 |
| Dashers | $50 |
Common Dodge Challenger Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each auto insurance provider offers their own discounts, here are some common ones you may be eligible for:
- Multi-policy: Bundle your home and auto insurance policies with the same provider to often receive a discounted rate.
- Pay annually: Opting to pay your premium in full upfront, rather than in monthly installments, can help you save.
- Defensive driving: Completing defensive driving courses from a certified institution may qualify you for lower rates.
There may be additional discounts available, so it’s a good idea to speak with your insurance agent, who can help you identify the ones you qualify for.
Ways To Save On Dodge Challenger Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Dodge Challenger insurance costs low. Traffic violations like speeding tickets or accidents can lead to higher premiums.
Dodge Challenger drivers with a ticket on their record typically pay around $115 per month, while those with multiple accidents can expect to pay an average of $160 per month. By avoiding these incidents, you can help keep your insurance costs manageable.
Additionally, drivers who have low annual mileage often pay less for Dodge Challenger insurance, as those who drive less frequently have fewer chances of being involved in accidents, making them a lower risk to insure.
For example, Dodge Challenger drivers who drive between 5,000 and 7,500 miles per year will pay around $101 per month for insurance, while those who drive over 10,000 miles per year will pay approximately $103 per month.
Compare Dodge Challenger To Other Dodge Models
Looking for other Dodge model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, keep in mind that these figures may vary depending on your specific circumstances.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Dodge Challenger?
Yes, you’ll need to provide proof of insurance before you can drive your Dodge Challenger off the dealership lot. The best approach is to purchase a policy in advance and notify your insurance company about your upcoming car purchase, rather than getting insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Dodge Challenger?
The best way to find the cheapest insurance rates for your Dodge Challenger is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes it easy by allowing you to compare quotes from multiple providers directly on our website.
