Full coverage for a Dodge Challenger R/T starts at $1,217 annually but can reach $7,078 for a 16-year-old driver. Rates depend on model year, driver's age, location, driving history, coverage and insurer. This article breaks down Dodge Challenger R/T insurance costs and coverage, highlighting the best companies and most affordable options.
Dodge Challenger R/T Insurance Cost
Updated: March 13, 2025
Key Takeaways
State Farm provides the most affordable minimum coverage across all Dodge Challenger R/T model years, costing $527 annually.
For insuring a Dodge Challenger R/T, the average annual cost is $624 for minimum coverage and $1,609 for full coverage.
To provide these insights, MoneyGeek analyzed comprehensive data for a Dodge Challenger R/T from Quadrant Information Services.
Dodge Challenger R/T Insurance Rates
What Is the Average Dodge Challenger R/T Car Insurance Cost?
For a Dodge Challenger R/T, full coverage insurance costs about $134 per month or $1,609 per year, based on a 40-year-old male driver with a clean record. Minimum coverage averages $52 monthly or $624 annually.
| Minimum Coverage | $624 |
| Full Coverage | $1,609 |
Read more: Average Cost of Car Insurance
Dodge Challenger R/T Insurance Costs by Company
Insurance for a Dodge Challenger R/T ranges from $1,214 to $2,103 per year, depending on age, model year and coverage level. The table below compares average Challenger R/T insurance rates with rates for all vehicles from various national and mid-sized providers.
| Allstate | $1,746 | $1,810 | -4% |
| Auto-Owners | $1,214 | $1,226 | -1% |
| Farmers | $2,103 | $1,952 | 8% |
| GEICO | $1,473 | $1,330 | 11% |
| Kemper | $2,062 | $2,212 | -7% |
| Nationwide | $1,753 | $1,585 | 11% |
| Progressive | $2,030 | $1,738 | 17% |
| State Farm | $1,469 | $1,266 | 16% |
| Travelers | $1,642 | $1,519 | 8% |
| USAA | $1,261 | $1,198 | 5% |
Read more: Best Car Insurance Companies
Cost of Insuring a Dodge Challenger R/T by Model Year
The year your Dodge Challenger R/T was produced can affect your insurance rates, with older models typically costing less to insure. For example, full coverage for a 2022 model costs $1,862 annually, while a 2009 model is $1,317. Below are the average full and minimum coverage rates for every Challenger R/T production year.
| 2022 | $629 | $1,862 |
| 2021 | $631 | $1,824 |
| 2020 | $615 | $1,799 |
| 2019 | $647 | $1,782 |
| 2018 | $654 | $1,757 |
| 2017 | $632 | $1,714 |
| 2016 | $662 | $1,669 |
| 2015 | $664 | $1,626 |
| 2014 | $630 | $1,566 |
| 2013 | $645 | $1,506 |
| 2012 | $633 | $1,447 |
| 2011 | $605 | $1,404 |
| 2010 | $624 | $1,360 |
| 2009 | $618 | $1,317 |
Dodge Challenger R/T Insurance Costs by Driver Age
Dodge Challenger R/T insurance rates vary widely depending on the driver's age. For example, 16-year-olds pay about $7,078 annually for full coverage, while 40-year-olds pay around $1,617. Below are the average full and minimum coverage rates for Challenger R/T drivers of different ages.
| 16 | $2,925 | $7,078 |
| 17 | $2,386 | $5,801 |
| 18 | $2,086 | $5,124 |
| 19 | $1,481 | $3,648 |
| 20 | $1,331 | $3,317 |
| 21 | $1,056 | $2,667 |
| 22 | $964 | $2,452 |
| 23 | $895 | $2,288 |
| 24 | $850 | $2,175 |
| 25 | $744 | $1,931 |
| 26 | $724 | $1,877 |
| 27 | $707 | $1,836 |
| 28 | $695 | $1,807 |
| 29 | $685 | $1,782 |
| 30 | $660 | $1,711 |
| 35 | $642 | $1,652 |
| 40 | $635 | $1,617 |
| 45 | $629 | $1,590 |
| 50 | $613 | $1,537 |
| 55 | $597 | $1,489 |
| 60 | $597 | $1,483 |
| 65 | $638 | $1,541 |
| 70 | $693 | $1,650 |
| 75 | $769 | $1,811 |
| 80 | $871 | $2,015 |
| 85 | $941 | $2,158 |
| 90 | $993 | $2,262 |
Dodge Challenger R/T Insurance Rates Explained
Several factors affect your car insurance rates based on your driver profile. Insurers also consider vehicle-related factors. Below is a list of cost factors tied to your car.
Dodge Challenger R/T Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Dodge Challenger R/T
Average Full Coverage Rate
$1,609Premiums for Dodge Challenger R/T are:$313 more
This is 24% more expensive.
Value
The Dodge Challenger R/T's high MSRP of $58,855 can lead to higher insurance costs.
Repair costs
The annual repair cost for the Dodge Challenger R/T is $650, below the national average. Lower repair costs can lead to cheaper insurance.
Performance
The Dodge Challenger R/T has a 0-to-60 time of 4.2 seconds and horsepower between 375 and 485. Its high performance can result in higher insurance costs.
Vehicle age
Newer Dodge Challenger R/T models are typically more expensive to insure than older ones.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Dodge Challenger R/T for insurance discounts.
Vehicle size
Larger vehicles like the Dodge Challenger R/T, with a curb weight of 4,298 lbs, may cost more to insure.
Trim level
Higher trim levels of the Dodge Challenger R/T, like the Scat Pack Widebody, often include premium features and upgrades, leading to higher insurance costs than the base model.
Cheapest Dodge Challenger R/T Insurance
State Farm offers the cheapest annual minimum coverage rate for a Dodge Challenger R/T at $527, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest auto insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Dodge Challenger R/T Insurance by Coverage Level
The coverage level you choose significantly impacts your Dodge Challenger R/T insurance rate. State Farm offers the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for both coverage types.
Cheapest Dodge Challenger R/T Minimum Coverage
For a Dodge Challenger R/T, State Farm and GEICO offer the cheapest monthly minimum coverage rate of $44, followed by Travelers at $49, Allstate at $57 and Nationwide at $58.
| USAA | $37 | $449 |
| State Farm | $44 | $527 |
| GEICO | $44 | $531 |
| Travelers | $49 | $587 |
| Allstate | $57 | $679 |
| Nationwide | $58 | $699 |
| Progressive | $60 | $715 |
| Farmers | $62 | $744 |
*State Farm offers non-military-affiliated Dodge Challenger R/T owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Dodge Challenger R/T Insurance Rates by Model Year
The list above doesn't consider your vehicle's production year, so lower rates might be available based on your car's age. To find the most affordable minimum coverage rates for your Dodge Challenger R/T, filter the table below by production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $683 | $57 |
| Farmers | $765 | $64 |
| GEICO | $558 | $47 |
| Nationwide | $613 | $51 |
| Progressive | $701 | $58 |
| State Farm | $462 | $39 |
| Travelers | $558 | $47 |
| USAA | $439 | $37 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Dodge Challenger R/T Insurance
State Farm offers the cheapest full coverage insurance for a Dodge Challenger R/T at $119 monthly or $1,427 annually. Below is the full list of Challenger R/T insurance providers and rates.
| USAA | $101 | $1,217 |
| State Farm | $119 | $1,427 |
| GEICO | $120 | $1,439 |
| Travelers | $135 | $1,620 |
| Nationwide | $137 | $1,642 |
| Allstate | $140 | $1,676 |
| Farmers | $164 | $1,967 |
| Progressive | $164 | $1,971 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Dodge Challenger R/T owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Dodge Challenger R/T Insurance by Age
Drivers aged 16 to 25 and 55 and up often face higher Dodge Challenger R/T insurance costs. Below is a breakdown of the cheapest options by age.
Cheapest Dodge Challenger R/T Insurance for Young Drivers
Drivers aged 16 to 25 can find the cheapest Dodge Challenger R/T insurance with State Farm. Minimum coverage costs about $96 monthly or $1,157 annually. Below is the complete list of the cheapest car insurance options for young drivers.
| USAA | $78 | $942 |
| State Farm | $96 | $1,157 |
| Travelers | $103 | $1,231 |
| GEICO | $106 | $1,270 |
| Allstate | $128 | $1,532 |
| Nationwide | $155 | $1,858 |
| Farmers | $168 | $2,020 |
| Progressive | $174 | $2,094 |
*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 R/T Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $48 monthly or $580 annually. Check the full list of affordable Dodge Challenger R/T insurers below.
| State Farm | $48 | $580 |
| USAA | $50 | $600 |
| GEICO | $53 | $634 |
| Travelers | $59 | $706 |
| Nationwide | $68 | $821 |
| Allstate | $69 | $824 |
| Progressive | $75 | $906 |
| Farmers | $83 | $999 |
Cheapest Dodge Challenger R/T Insurance After an Accident
For Dodge Challenger R/T drivers, State Farm, GEICO and Travelers offer the most affordable car insurance after an accident. Check out the complete list below for more options.
| State Farm | $55 | $658 |
| USAA | $57 | $688 |
| GEICO | $70 | $839 |
| Travelers | $70 | $840 |
| Allstate | $77 | $928 |
| Nationwide | $90 | $1,082 |
| Progressive | $98 | $1,175 |
| Farmers | $125 | $1,495 |
Dodge Challenger R/T Insurance Cost: Bottom Line
Regularly compare rates from different providers to find the most affordable car insurance. This article explores Dodge Challenger R/T insurance, covering costs across demographics and identifying the cheapest providers.
Dodge Challenger R/T Insurance Rates: FAQ
Below are answers to common questions about Dodge Challenger R/T insurance costs, helping you understand what to expect.
What company has the cheapest car insurance for a Dodge Challenger R/T?
State Farm offers the most affordable minimum coverage for a Dodge Challenger R/T at $527 annually.
What is the average cost of car insurance for a Dodge Challenger R/T?
The average annual cost of minimum car insurance for a Dodge Challenger R/T is $624. Full coverage averages $1,609.
Dodge Challenger R/T Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and quotes for a Dodge Challenger R/T 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 R/T:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Dodge Challenger R/T 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 R/T.
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.