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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.
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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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In This Article
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.
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 | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
---|---|---|---|
Dodge Challenger | $145 | $267 | $206 |
All vehicles | $107 | $197 | $152 |
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 | Average Monthly Premium |
---|---|
Novo | $112 |
Apparent | $116 |
Travelers | $118 |
SafeAuto | $120 |
Certainly | $127 |
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
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
Superior AM Best financial strength rating
Discount for hybrid/electric vehicles
New car discount
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
Automatic enrollment discount of up to 15%
High Trustpilot rating[4]
Lower mileage leads to lower rates
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
High claims satisfaction
Multiple safe driver discounts
Ranks No. 1 for usage-based insurance
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.
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 | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
---|---|---|---|
2023 | $244 | Mile Auto | $168 |
2022 | $248 | Certainly | $140 |
2021 | $227 | Travelers | $121 |
2020 | $221 | Travelers | $137 |
2019 | $214 | Midvale Home & Auto | $131 |
2018 | $207 | Certainly | $120 |
2017 | $203 | Travelers | $113 |
2016 | $197 | Certainly | $128 |
2015 | $194 | Travelers | $114 |
2014 | $185 | Mile Auto | $108 |
2013 | $174 | Certainly | $93 |
2012 | $167 | Mile Auto | $104 |
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 | Average Monthly Premium |
---|---|
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 | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
---|---|---|---|
Teens | $387 | Novo | $211 |
Adults | $188 | Novo | $103 |
Seniors | $158 | Novo | $86 |
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 | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
---|---|---|---|
Clean record | $206 | Novo | $112 |
Speeding ticket | $286 | Novo | $156 |
At-fault accident | $298 | Novo | $162 |
DUI | $339 | Novo | $185 |
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
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
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.
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.
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Sources
- III. "What is covered by a basic auto insurance policy?."
- Jdpower.com. "2024 U.S. Auto Claims Satisfaction Study."
- Trustpilot. "Travelers."
- Trustpilot. "Novo."
- Trustpilot. "Nationwide."
- Jdpower.com. "2024 U.S. Auto Insurance Study."
- Apps on Google Play. "Nationwide Mobile."
- III. "What determines the price of an auto insurance policy?."
- Iihs.org. "2023 Dodge Challenger."
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Learn more about us, our team, and what makes us tick.
)
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 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.