The Dodge Challenger is a name that was used for three generations of automobiles, first introduced in 1959. Today’s Challenger is a pony car introduced in 2008 to compete with the Ford Mustang and the Chevy Camaro. Though Dodge officially discontinued the Challenger after the 2023 model year, the vehicle remains a popular choice among car enthusiasts. If you own a Challenger, it needs to be protected with the right car insurance.
When it's time to find the best Dodge Challenger insurance, an independent insurance agent can assist you. These agents know where to get the right Dodge insurance at a great rate. But first, here's a closer look at how much it costs to insure a Dodge Challenger by model year and top-rated insurance company in 2026.
Key Takeaways - Dodge Challenger Car Insurance
Dodge Challenger insurance costs an average of $4,449 per year, or approximately $371 per month, for full coverage in 2026.
USAA, American Family, and Erie are the cheapest carriers for model-year 2023 Dodge Challenger insurance this year.
Dodge Challenger insurance costs vary widely by state, with drivers in Wyoming paying an average of only $68 monthly for minimum coverage, while those in Louisiana pay $360.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Dodge Challenger insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Dodge Challenger model.
What Is Dodge Challenger Insurance?
Dodge Challenger insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a muscle car, the Challenger may require additional coverage beyond what standard sedans need. However, the Challenger's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Dodge Challenger drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Dodge Challenger:
- Dodge warranty insurance: This can extend Dodge's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Dodge vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Dodge parts during the repair process.
Your state likely requires certain types of auto insurance by law. A local independent insurance agent can help you avoid fines and other noncompliance penalties in your area by getting you equipped with all the required Dodge Challenger insurance.
How Much Does Dodge Challenger Insurance Cost?
The average cost of car insurance for a Dodge Challenger is $4,449 per year, or approximately $371 per month, for full coverage. Minimum coverage for a Dodge Challenger costs an average of $2,296 annually, or approximately $191 monthly.
However, several factors can influence the cost of Dodge insurance, including:
- The specific type of Challenger you drive
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your claims history
- Your location
- Vehicle safety features
- Your driving history
- Annual mileage
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Dodge Challenger full coverage insurance or a basic Dodge Challenger liability insurance policy.
Is the Dodge Challenger Expensive to Insure?
Yes, the Dodge Challenger is quite expensive to insure when compared to other Dodges and other vehicles in general. The table below compares the Challenger's average monthly auto insurance rates to those of other Dodge vehicles and all cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Dodge Challenger | $371 |
| All Dodges | $186 |
| All Cars | $175 |
Average Dodge Challenger Insurance Rates Compared to Similar Vehicles
The Dodge Challenger's average monthly insurance rates actually fall in the middle of the pack when compared to other vehicles in its class, including the Ferrari 812 and the Lamborghini Aventador. The table below compares the Challenger's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Mclaren 720S | $264 |
| Fiat 124 Spider | $268 |
| Ferrari 812 | $272 |
| Dodge Challenger | $281 |
| Lamborghini Aventador | $292 |
| Lamborghini Murciélago | $296 |
| Polestar 1 | $303 |
Dodge Challenger Insurance Costs by Model Year
Next, we'll break down several model years of the Dodge Challenger and the average insurance costs for each.
| Model Year | Average Annual Cost of Minimum Coverage |
| 2026 Dodge Challenger* | $2,865 |
| 2025 Dodge Challenger | $1,785 |
| 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 |
*Note: The 2026 Challenger's rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Dodge Challenger Car Insurance Companies for 2026
Some insurers offer more affordable Dodge Challenger insurance than others. These top-rated Dodge car insurance companies provide the cheapest model-year 2023 Challenger insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $2,093 |
| American Family | $2,105 |
| Erie | $2,632 |
| Progressive | $2,954 |
| Nationwide | $3,674 |
| Allstate | $6,017 |
Dodge Challenger Car Insurance Rates by State
Car insurance premiums are heavily influenced by your location. Here are some average auto insurance rates for the Dodge Challenger by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Dodge Challenger Insurance Rates by Trim Level
Your Challenger's specific trim can also affect its car insurance costs. Here are some average Dodge Challenger insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Dodge Challenger Insurance Rates by Driver Age and Profile
Other major factors that can impact car insurance rates include your age, credit, and driving history. Teens and young drivers pay the highest average insurance rates for a Dodge Challenger. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Dodge Challenger insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,187 | $9,047 | $10,568 |
| 20 | $4,727 | $6,985 | $8,125 |
| 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 |
Best Dodge Challenger Insurance Discounts: How to Lower Your Dodge Challenger Insurance Premiums
While Dodge Challenger insurance can be expensive, fortunately, there are several easy ways you can potentially lower your premium rates, such as the following:
- Ask about Dodge Challenger insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Dodge may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Dodge Challenger insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Dodge Challenger insurance from a trusted carrier near you.
Independent insurance agents can recommend additional strategies to help reduce your premium rates. They also know which carriers offer the most affordable prices and the best discounts to help you save the most money possible on Dodge Challenger insurance.
An Independent Insurance Agent Can Help You Get the Best Dodge Challenger Insurance Quotes
When it's time to find the most affordable Dodge Challenger insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Dodge Challenger insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Dodge Challenger Insurance
How much does Dodge Challenger insurance cost per year?
The average annual cost of full coverage for a Dodge Challenger is $4,449 per year, or approximately $371 per month, for full coverage. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Dodge Challenger insurance premiums?
Living in a high-theft rate area, having traffic violations or accidents on your record, filing claims in the past, and having poor credit can all lead to higher Dodge Challenger insurance premiums.
Is the Dodge Challenger expensive to insure?
Yes, the Dodge Challenger is quite expensive to insure on average when compared to other Dodge vehicles and other cars in general.
What are the best and cheapest carriers for Dodge Challenger insurance in 2026?
We found that USAA, American Family, and Erie are the best and cheapest car insurance companies for model-year 2023 Dodge Challenger insurance this year.
Is insurance cheaper for the Dodge Challenger than for similar vehicles?
Yes and no. While the Dodge Challenger's average monthly insurance rates are lower than those for two different Lamborghini models, the Aventador and the Murcielago, and those for the Polestar 1, they're more expensive than the average rates for the Ferrari 812, the Fiat 124 Spider, and the McLaren 720S.
How can I get cheaper Dodge Challenger insurance?
Finding cheaper Dodge Challenger insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/dodge-challenger-insurance/
https://www.insuranceopedia.com/auto-insurance/dodge-challenger-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/dodge/challenger/