Dodge Challenger Car Insurance: Average Rates, Cheapest Companies, and How to Save

Dodge Challenger owners pay an average of $206 per month for car insurance, but you can find lower rates from insurers like Novo and Travelers.

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Lindsay Frankel
Written byLindsay Frankel
Lindsay Frankel
Lindsay FrankelInsurance Writer

Lindsay Frankel is a personal finance and insurance writer who’s been writing for Compare.com since 2023. Her work has been featured in publications such as Investopedia, LendingTree, The Balance, SFGate, Bankrate, and FinanceBuzz.

Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.

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The Dodge Challenger may be fun to drive and quick to impress, but it’s expensive to insure. The average monthly premium for Dodge Challenger auto insurance is $206 — much higher than the average for all vehicles, according to Compare.com data.

Your Challenger premium depends on many factors. For instance, if your car has a high-end trim, your rates might be even higher. But you could pay less if you choose the right insurance company. Novo, Travelers, and SafeAuto all offer rates well below the average for the retro-inspired coupe.

Here’s what you need to know about insurance costs for the Challenger, including the cheapest rates for different ages, model years, and states.

Key Takeaways
  • The average Dodge Challenger premium is $145 per month for liability-only insurance and $267 per month for full coverage.

  • Novo, Travelers, and SafeAuto offer the cheapest insurance rates for the Dodge Challenger.

  • Older Dodge Challengers are cheaper to insure, but you might get discounts if your new Challenger has safety or security features.

How Much Does It Cost to Insure a Dodge Challenger?

Dodge Challenger premiums depend on the type of policy you choose. Liability-only insurance, the cheapest policy available, only covers the other driver’s repairs and medical bills when you cause an accident. Full-coverage insurance pays for your damages if you get into a car accident or another object damages your vehicle.

Most U.S. states require liability insurance, while full coverage is generally optional unless you have a car loan or lease.[1]

The table below shows the average monthly premiums for liability insurance and full coverage for the Dodge Challenger and how these rates compare to the average premiums for all vehicles, according to Compare.com data.

Vehicle
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Average Monthly Premium: Liability
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Average Monthly Premium: Full Coverage
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Average Monthly Premium: All Policies
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Dodge Challenger$145$267$206
All vehicles$107$197$152
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Liability coverage for the Dodge Challenger costs an average of $145 per month, while full coverage costs an average of $267 per month. But your premium will also depend on your insurer, your location, age, driving history, and other factors.

The Cheapest Car Insurance Companies for Dodge Challengers

Knowing the average rates for your vehicle of choice is important, but it doesn’t mean your rate will be the same. One of the best ways to get a lower rate for your Challenger is to compare quotes from multiple car insurance companies.

We’ll start you off with the five cheapest companies for the Dodge Challenger.

Company
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Average Monthly Premium
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Novo$112
Apparent$116
Travelers$118
SafeAuto$120
Certainly$127
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Challenger drivers can find the cheapest coverage with Novo, at $112 per month. Unfortunately, Novo is only available in select U.S. states. Your next cheapest option is Travelers. Keep in mind that the companies above won’t always be the cheapest for everyone.

That’s why it’s important to compare quotes from a handful of auto insurance companies based on your unique driver profile. We’ll cover some of the best insurance options for different types of Dodge Challenger drivers in the next section.

The Best Insurance Companies for Dodge Challenger Drivers

Sleek black sports car with red accents speeding down a highway, blurred background indicating motion.

Auto insurance needs vary from driver to driver, so the best insurance company for the Challenger depends on your budget and coverage needs.

Still, we’ve done some of the research for you and picked a few standout insurers to get you started. We chose the three companies below based on average cost, coverage options, customer satisfaction ratings, and discounts for your Dodge Challenger.

Travelers: Best for new Dodge Challenger owners

Compare.com Rating: 4.23 out of 5

Pros
  • Superior AM Best financial strength rating

  • Discount for hybrid/electric vehicles

  • New car discount

Cons
  • Low claims satisfaction rating[2]

  • More expensive for teen drivers

  • Low Trustpilot rating[3]

In addition to affordable rates, Travelers offers a broad range of coverage types and discounts that may appeal to new Dodge Challenger owners. Travelers offers gap insurance and new car replacement coverage, so you can protect your investment and ensure you don’t end up owing more on your loan than what your car is worth. 

The insurer also offers accident forgiveness, safe driver, and hybrid vehicle discounts, which can help keep premiums low. But the insurer’s below-average customer reviews and claims satisfaction may be a potential drawback for some drivers.

Novo: Best for drivers on a budget

Compare.com rating: Not rated

Pros
  • Automatic enrollment discount of up to 15%

  • High Trustpilot rating[4]

  • Lower mileage leads to lower rates

Cons
  • Only available in five U.S. states

  • Limited coverage options

  • Poor driving can increase rates

Novo’s average insurance premiums are among the cheapest for all types of Challenger drivers, including teens and drivers with a spotty driving record. The insurer is a good option for drivers who drive a limited number of miles per week.

Novo uses AI to offer speedy claims and roadside assistance, but rates can fluctuate based on your driving habits. As of now, Novo is only available in a handful of states, but the company is expanding.

Nationwide: Best for safe drivers

Compare.com Rating: 4.88 out of 5

Pros
  • High claims satisfaction

  • Multiple safe driver discounts

  • Ranks No. 1 for usage-based insurance

Cons
  • Not as cheap as some other companies

  • Below-average customer satisfaction rating in most regions

  • Low Trustpilot rating[5]

Nationwide isn’t the cheapest insurer for Dodge Challengers, but it’s a great option for drivers looking for safe driver perks. The company’s usage-based program (UBI), SmartRide, offers an industry-leading discount of up to 40% for safe driving. It also took the top spot in the UBI category in the J.D. Power 2024 U.S. Auto Insurance Study.[6]

The insurer ranks high for claims satisfaction, offers gap coverage, 24/7 roadside assistance, and you can quickly file a claim in the company’s highly rated mobile app.[7] If you have a newer Challenger, you may also be eligible for an anti-theft discount.

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Dodge Challenger Insurance Rates by Model Year

Your vehicle’s age can affect your auto insurance premium. Factors such as the car’s market value, repair costs, theft ratings, and safety ratings can influence car insurance rates. Newer Challenger model years tend to be more expensive to insure than older models, but they also may come with better security and safety features that could earn you some discounts.[8]

The table below shows the average monthly premium for different Challengers by model and the cheapest insurer for each, according to Compare.com data.

Challenger Model Year
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Average Monthly Premium
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Cheapest Insurer
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Cheapest Insurer’s Average Monthly Premium
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2023$244Mile Auto$168
2022$248Certainly$140
2021$227Travelers$121
2020$221Travelers$137
2019$214Midvale Home & Auto$131
2018$207Certainly$120
2017$203Travelers$113
2016$197Certainly$128
2015$194Travelers$114
2014$185Mile Auto$108
2013$174Certainly$93
2012$167Mile Auto$104
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Your location also plays a pivotal role in your Dodge Challenger insurance premium. Even an older Challenger can be expensive to insure in a big city with high theft rates.

Dodge Challenger Insurance Rates by State

Where you live plays a major role in your in. State-minimum insurance requirements, labor costs, litigation frequency, and medical care costs all affect average premiums for Dodge Challengers in each state.

Auto insurance companies also consider theft and accident rates when setting premiums, which can drive up the average in states with busy urban areas. Frequent weather events may also affect rates for comprehensive coverage.

Check out how average Challenger insurance rates compare across all 50 states, according to our data.

Average Challenger Rates by State

State
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Average Monthly Premium
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Alabama$121
Arizona$162
Arkansas$232
California$234
Colorado$190
Connecticut$369
Delaware$225
Florida$237
Georgia$241
Idaho$122
Illinois$151
Indiana$131
Iowa$110
Kansas$149
Kentucky$237
Louisiana$219
Maine$144
Maryland$334
Massachusetts$183
Michigan$284
Minnesota$183
Mississippi$183
Missouri$178
Montana$148
Nebraska$171
Nevada$289
New Hampshire$111
New Jersey$192
New Mexico$140
New York$467
North Carolina$91
North Dakota$140
Ohio$123
Oklahoma$157
Oregon$156
Pennsylvania$159
Rhode Island$139
South Carolina$266
South Dakota$117
Tennessee$137
Texas$215
Utah$177
Vermont$132
Virginia$176
Washington$136
District of Columbia$276
West Virginia$140
Wisconsin$123
Wyoming$117

Bear in mind that not every resident of a state pays the same auto insurance rate. Your age and driving history significantly affect premiums. We’ll cover these in more detail in the sections below.

Dodge Challenger Insurance Rates by Age

Older drivers tend to have more experience behind the wheel, which leads to fewer accidents. Teen drivers pose a particularly high risk to insurance companies, since they get into more accidents than any other age group. The fatal crash rate for teens is three times higher than for drivers age 20 and older, according to the U.S. Centers for Disease Control and Prevention.

The table below shows Challenger insurance rates across age groups, as well as the cheapest insurer and its average premium for each age group, according to Compare.com data.

Age Group
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Average Monthly Premium
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Cheapest Insurer
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Cheapest Insurer’s Average Monthly Premium
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Teens$387Novo$211
Adults$188Novo$103
Seniors$158Novo$86
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Not surprisingly, teens pay substantially higher rates than other age groups — around $229 more per month than seniors. Novo is among the cheapest insurers for all age groups. Next, let’s see how your driving history affects your insurance rate.

Dodge Challenger Insurance Rates by Driving Record

Car insurance companies look at your driving record to predict your level of risk. Insurers see drivers with past accidents and tickets as a higher risk, so companies charge these drivers high rates.

Here’s the average monthly premiums for Dodge Challengers based on different driving records, according to our data.

Driving Record
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Average Monthly Premium
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Cheapest Insurer
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Cheapest Insurer’s Average Monthly Premium
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Clean record$206Novo$112
Speeding ticket$286Novo$156
At-fault accident$298Novo$162
DUI$339Novo$185
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Drivers with a DUI conviction pay especially high rates, while drivers with a clean record pay the lowest car insurance rates. Novo tops our list as the cheapest option for Challenger owners, regardless of driving record.

Dodge Challenger Features and Options That Affect Insurance Rates

Blurred motion of vehicles on a highway at dusk, surrounded by trees, under a clear sky with a hint of sunset.

Your Dodge Challenger may have features and options that affect your insurance premium, including:

  • Trim level: The Dodge Challenger comes in several trim levels with a wide range of manufacturer’s suggested retail prices (MSRPs). The top-of-the-line trim level may cost almost three times the price of the standard trim level. The market value of your Challenger will affect the cost of collision and comprehensive coverage.

  • Safety features: Dodge Challenger model years and trim levels with optional safety features like blind-spot monitoring and full-speed forward collision warning may help reduce your premiums.

  • Safety rating: Some Dodge Challenger model years have better crash-test ratings than others, but most model years have safety weaknesses that contribute to higher insurance costs. For example, the 2023 model received a five-star overall rating from the National Highway Traffic Safety Administration, but the model didn’t score well on crash prevention with the Insurance Institute for Highway Safety.[9]

  • Security features: Dodge offers a few safety features for the Challenger that may be standard or optional, depending on the model year and trim level. If your car has features like the Enhanced Security Mode or the Intrusion Module, you could qualify for an anti-theft discount with some companies.

How to Get Cheaper Car Insurance for Your Dodge Challenger

Close-up of an orange Dodge Challenger front, featuring its grille, badge, and headlights with black racing stripes.

Consider the following tips to save money on car insurance for your Dodge Challenger.

  • Bundle your policies. If you have homeowners or renters insurance, start by getting an auto insurance quote from the same company. Many insurers offer multi-policy discounts.

  • Take advantage of other discounts. Make sure to tell your insurance agent about the safety and security features of your Dodge Challenger to see if you qualify for a safety equipment discount or anti-theft discount. You can also check whether you’re eligible for payment discounts, safe driver discounts, student discounts, or low-mileage discounts.

  • Choose a high deductible. You can lower your premium by choosing a high deductible. Just make sure you keep enough cash stashed away, since you’ll be responsible for covering your deductible amount before your insurance company will pay your claim.

  • Shop around regularly. Every insurer prices policies differently, so make sure to compare quotes from at least three different companies. You should also get new quotes before your policy renews, since the factors influencing your premiums can change.

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Dodge Challenger Auto Insurance FAQs

Before you race away in your muscle car, make sure you understand your coverage needs and insurance costs. We have answers to common Dodge Challenger insurance questions below.

  • Are Dodge Challengers expensive to insure?

    Yes. On average, Dodge Challengers are more expensive to insure than most vehicles, according to our research. Drivers pay an average of $206 per month, compared to $152 for all other cars. But remember, your premium will depend on many other factors, including your model year, trim levels, where you live, and your driving record.

  • What’s the cheapest insurance company for a Dodge Challenger?

    Novo is the cheapest insurance company for a Dodge Challenger, with an average monthly premium of $112. Keep in mind that Novo charges variable rates based on your driving behavior and mileage, so it may not be your cheapest option.

  • How much is car insurance for a 2023 Dodge Challenger?

    The average monthly premium for the 2023 Dodge Challenger is $244 per month, according to our data.

  • What’s the cheapest Dodge to insure?

    The cheapest Dodge model to insure is the Journey, with an average car insurance premium of $132 per month, according to our research.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

  1. III. "What is covered by a basic auto insurance policy?."
  2. Jdpower.com. "2024 U.S. Auto Claims Satisfaction Study."
  3. Trustpilot. "Travelers."
  4. Trustpilot. "Novo."
  5. Trustpilot. "Nationwide."
  6. Jdpower.com. "2024 U.S. Auto Insurance Study."
  7. Apps on Google Play. "Nationwide Mobile."
  8. III. "What determines the price of an auto insurance policy?."
  9. Iihs.org. "2023 Dodge Challenger."
About Compare.com

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Learn more about us, our team, and what makes us tick.

Lindsay Frankel
Lindsay FrankelInsurance Writer

Lindsay Frankel is a personal finance and insurance writer who’s been writing for Compare.com since 2023. Her work has been featured in publications such as Investopedia, LendingTree, The Balance, SFGate, Bankrate, and FinanceBuzz.

Lequita Westbrooks
Edited byLequita WestbrooksSenior Editor
Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.

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