The annual cost of full coverage car insurance for a Dodge Challenger ranges from $1,254 to $7,712. Rates vary greatly depending on the car's model year, driver's age, address, driving history, coverage level and insurer. This article breaks down Dodge Challenger insurance costs and coverage, offering insights into the best companies and most affordable options.
Dodge Challenger Insurance Cost
Updated: March 13, 2025
Key Takeaways
GEICO offers the most affordable minimum coverage across all Dodge Challenger model years at $525 annually.
The average insurance cost for a Dodge Challenger is $662 per year for minimum coverage and $1,750 for full coverage.
MoneyGeek's analysis, based on data and 2,390 quotes from Quadrant Information Services, provides a reliable insight into Dodge Challenger insurance costs.
Dodge Challenger Insurance Rates
What Is the Average Dodge Challenger Car Insurance Cost?
The average cost of full coverage insurance for a Dodge Challenger is $146 per month or $1,750 per year, based on a 40-year-old male with a clean driving record. Minimum coverage averages $55 monthly or $662 annually.
| Minimum Coverage | $662 |
| Full Coverage | $1,750 |
Dodge Challenger Insurance Costs by Company
Dodge Challenger insurance costs range from $1,274 to $2,330 annually, depending on age, model year and coverage level. The table below compares average Dodge Challenger insurance rates with averages for all vehicles from several national and mid-sized providers.
| Allstate | $1,833 | $1,809 | 1% |
| Auto-Owners | $1,274 | $1,226 | 4% |
| Farmers | $2,330 | $1,951 | 19% |
| GEICO | $1,569 | $1,330 | 18% |
| Kemper | $2,231 | $2,210 | 1% |
| Nationwide | $1,865 | $1,585 | 18% |
| Progressive | $2,201 | $1,739 | 27% |
| State Farm | $1,535 | $1,266 | 21% |
| Travelers | $2,061 | $1,517 | 36% |
| USAA | $1,304 | $1,198 | 9% |
Read more: Best Car Insurance Companies
Cost of Insuring a Dodge Challenger by Model Year
The year your Dodge Challenger was produced can affect your insurance rates, with older models often costing less to insure. For example, full coverage for a 2022 model costs $1,869 annually, while a 2015 model is $1,639. Below are the average full and minimum coverage rates for each Challenger production year.
| 2022 | $669 | $1,869 |
| 2021 | $672 | $1,846 |
| 2020 | $650 | $1,808 |
| 2019 | $680 | $1,777 |
| 2018 | $683 | $1,738 |
| 2017 | $659 | $1,705 |
| 2016 | $690 | $1,672 |
| 2015 | $691 | $1,639 |
Dodge Challenger Insurance Costs by Driver Age
Dodge Challenger insurance rates vary widely depending on the driver's age. For example, 16-year-olds pay around $7,712 annually for full coverage, while 40-year-olds pay about $1,757. Below are the average rates for different ages.
| 16 | $3,116 | $7,712 |
| 17 | $2,546 | $6,315 |
| 18 | $2,227 | $5,580 |
| 19 | $1,579 | $3,971 |
| 20 | $1,419 | $3,612 |
| 21 | $1,125 | $2,904 |
| 22 | $1,026 | $2,671 |
| 23 | $953 | $2,492 |
| 24 | $904 | $2,370 |
| 25 | $792 | $2,103 |
| 26 | $769 | $2,043 |
| 27 | $750 | $1,998 |
| 28 | $738 | $1,968 |
| 29 | $727 | $1,940 |
| 30 | $702 | $1,863 |
| 35 | $682 | $1,797 |
| 40 | $674 | $1,757 |
| 45 | $668 | $1,727 |
| 50 | $651 | $1,669 |
| 55 | $633 | $1,615 |
| 60 | $633 | $1,609 |
| 65 | $680 | $1,680 |
| 70 | $738 | $1,798 |
| 75 | $820 | $1,974 |
| 80 | $928 | $2,194 |
| 85 | $1,002 | $2,348 |
| 90 | $1,057 | $2,462 |
Dodge Challenger Insurance Rates Explained
Several factors influence car insurance rates based on driver profiles. However, providers also consider vehicle-related factors. Below is a breakdown of cost factors tied to your car, including its make, model, age and safety features.
Dodge Challenger Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Dodge Challenger
Average Full Coverage Rate
$1,750Premiums for Dodge Challenger are:$454 more
This is 35% more expensive.
Value
The Dodge Challenger's MSRP is $37,695. This affects how insurers charge for insuring this car.
Repair costs
The Dodge Challenger's repair cost is $650, which is lower than the national average. Factors like part replacement and labor costs affect insurance costs.
Performance
The Dodge Challenger features 303 horsepower and a 0-to-60 time of 4.2 seconds. Its high performance can result in higher insurance costs.
Vehicle age
Newer Dodge Challenger models are typically more expensive to insure than older ones, and collector and classic vehicles can also be very expensive.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify for insurance discounts. The Dodge Challenger has a 5 out of 5 NHTSA safety rating.
Vehicle size
Larger vehicles often cost more to insure than smaller ones. The Dodge Challenger, with a curb weight of 4,088 lbs, may have higher insurance costs.
Trim level
Higher trim levels of the Dodge Challenger often include premium upgrades, raising the MSRP. This typically results in higher insurance costs than the base model.
Theft rates
Vehicles with a higher risk of theft generally cost more to insure. The Dodge Challenger, with a theft claims frequency of 766, is more prone to theft, resulting in higher insurance rates.
Cheapest Dodge Challenger Insurance
GEICO offers the lowest rate for insuring a Dodge Challenger, with minimum coverage averaging $525 annually, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Dodge Challenger Insurance by Coverage Level
The coverage level you select greatly affects your Dodge Challenger insurance rate. GEICO offers the cheapest average minimum coverage rate, while State Farm provides the most affordable full coverage. Below is a breakdown of the cheapest providers for both coverage types.
Cheapest Dodge Challenger Minimum Coverage
GEICO offers the cheapest minimum coverage for Dodge Challenger drivers at $44 monthly. State Farm, Allstate and Travelers follow closely with competitive rates ranging from $46 to $60.
| USAA | $36 | $433 |
| GEICO | $44 | $525 |
| State Farm | $46 | $546 |
| Allstate | $57 | $685 |
| Travelers | $60 | $724 |
| Nationwide | $62 | $749 |
| Progressive | $67 | $801 |
| Farmers | $67 | $809 |
*GEICO offers the lowest average minimum coverage insurance rate for non-military-affiliated Dodge Challenger owners. USAA is the most affordable option for military-affiliated drivers.
Best Dodge Challenger Insurance Rates by Model Year
The list above may not reflect the lowest rates, as it doesn’t account for your Dodge Challenger’s production year. Check the table below for each production year's most affordable minimum coverage rates.
Data filtered by:Results filtered by:
Select
Model Year:2015
| Allstate | $692 | $58 |
| Farmers | $839 | $70 |
| GEICO | $550 | $46 |
| Nationwide | $846 | $71 |
| Progressive | $811 | $68 |
| State Farm | $520 | $43 |
| Travelers | $759 | $63 |
| USAA | $417 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Dodge Challenger Insurance
State Farm offers the most affordable full coverage insurance for a Dodge Challenger at $1,495 annually or $125 monthly. Below is the complete list of Dodge Challenger insurance providers and rates.
| USAA | $105 | $1,254 |
| State Farm | $125 | $1,495 |
| GEICO | $127 | $1,527 |
| Nationwide | $146 | $1,746 |
| Allstate | $146 | $1,756 |
| Travelers | $170 | $2,037 |
| Progressive | $179 | $2,150 |
| Farmers | $182 | $2,185 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Dodge Challenger owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Dodge Challenger Insurance by Age
Drivers aged 16 to 25 and 55+ often face higher car insurance costs. Below is a breakdown of the cheapest Dodge Challenger insurance options by age.
Cheapest Dodge Challenger Insurance for Young Drivers
Drivers aged 16 to 25 can find the cheapest Dodge Challenger insurance with State Farm at $100 monthly or $1,201 annually for minimum coverage. Below is the complete list of affordable auto insurance rates for young drivers.
| USAA | $75 | $904 |
| State Farm | $100 | $1,201 |
| GEICO | $104 | $1,251 |
| Allstate | $128 | $1,536 |
| Travelers | $129 | $1,545 |
| Nationwide | $168 | $2,013 |
| Farmers | $183 | $2,194 |
| Progressive | $198 | $2,371 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Dodge Challenger Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $50 and an annual rate of $602. See the full list of low-cost Dodge Challenger insurers below.
| USAA | $48 | $576 |
| State Farm | $50 | $602 |
| GEICO | $52 | $625 |
| Allstate | $69 | $827 |
| Travelers | $73 | $877 |
| Nationwide | $74 | $883 |
| Progressive | $85 | $1,017 |
| Farmers | $92 | $1,103 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers
Cheapest Dodge Challenger Insurance After an Accident
For Dodge Challenger drivers, State Farm, GEICO and Allstate are the cheapest car insurance providers after an accident. See the complete list below.
| USAA | $55 | $660 |
| State Farm | $57 | $682 |
| GEICO | $69 | $828 |
| Allstate | $78 | $936 |
| Travelers | $89 | $1,068 |
| Nationwide | $98 | $1,170 |
| Progressive | $111 | $1,338 |
| Farmers | $134 | $1,613 |
*State Farm provides the lowest rates for non-military-affiliated at-fault Dodge Challenger drivers. USAA is the most affordable option for military-affiliated drivers.
Dodge Challenger Insurance Cost: Bottom Line
Get into the habit of comparing rates from different providers to find the cheapest car insurance. This article covers Dodge Challenger insurance in detail, including costs for various demographic groups and the most affordable providers.
Dodge Challenger Insurance Rates: FAQ
Below are answers to common questions about Dodge Challenger insurance costs, helping you explore affordable coverage options.
What company has the cheapest car insurance for a Dodge Challenger?
GEICO offers the cheapest car insurance for a Dodge Challenger, with an annual minimum coverage rate of $525.
What is the average cost of car insurance for a Dodge Challenger?
The average annual cost of minimum insurance for a Dodge Challenger is $662, while full coverage averages $1,750.
Dodge Challenger Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,390 Dodge Challenger quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Dodge Challenger:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Dodge Challenger insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Dodge Challenger.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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.