Dodge Challenger Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Dodge Challenger is more expensive to insure compared to the average car.
• Full coverage for a Challenger generally runs around $219 monthly, while liability only car insurance rates average about $98 per month.
• The lowest insurance company for a Challenger is Multi-State.

Challenger Overview

The Dodge Challenger is a great car for all budgets, with a base price of just $28,295 for 2021 models. Drive off the dealership lot in style, with a choice of six different trim options.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've found that Dodge Challenger auto insurance prices average out to around $218 monthly. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Dodge Challenger?

In the table above, you'll find that insurance premiums for a Dodge Challenger are above average. On average, Challenger owners will pay about $98 per month for liability insurance, and around $219 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When compared to other Dodge models, the Challenger is more expensive, with prices about 22% higher than the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, auto insurance for a Challenger is similarly on the expensive side, with full coverage insurance premiums coming in around $42 more and $15 more for liability only insurance.

When compared to all vehicles, regardless of body style, make, or model, the Challenger follows a similar pattern of having above average car insurance rates.

Who has the Cheapest Car Insurance for a Dodge Challenger?

If you're browsing for an auto insurance policy for a Dodge Challenger, you probably want to know which carrier offers the most affordable premiums. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $34 per month from Encompass. The runner up for most affordable rates is MetroMile, with auto insurance policies starting as little as just $41 monthly.

The third, fourth, and fifth carriers on the list are Dashers, Arrowhead, and Hugo. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Dodge Challenger.

Auto insurance carriers take many things into consideration when calculating monthly rates. By getting quotes from a whole bunch of car insurance companies at once, you can rest easy knowing that you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Dodge Challenger?

As we mentioned above, there are a range of variables that insurance carriers take a look at to choose how much they charge for auto insurance -- and each company weighs certain variables more than others, so there's not a single carrier that's the most affordable for every Challenger driver.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Dodge Challenger has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for car insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Challengers begin to depreciate, insurance costs will gradually get lower.

As you can see in the information above, the Dodge Challenger follows this trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest models are Challengers that are 15 years old or more, on average.

Your Age

Age makes a difference in how much you pay for insurance. Based on the information above, drivers who are under 18 have higher prices compared to those who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the Challenger.

Your Gender

You may not know, but auto insurance is normally more expensive for men than for women. This is because men are more likely to get into accidents and get tickets, which increases the chances of an insurance claim. When it comes to Challenger drivers specifically, men pay about $104 a month for insurance, while women pay around $82.

Where You Live

You were probably already aware that variables like how old you are and what vehicle you drive play a role in your car insurance rates, but you may not realize that where you live matters just as much. Because auto insurance is regulated at the state level, premiums change quite a bit from state to state.

For example, the average Dodge Challenger owner in New York pays about $310 per month for liability coverage, while the same driver from California will pay only a fifth of that price, on average. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change between states.

Dodge Challenger Car Insurance Discounts

Whatever which car you drive, how old you are, or where you live, it's always in your best interest to take advantage of as many insurance discounts as possible when shopping around for a new policy.

Not every car insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for choosing to pay your entire policy premium up front, rather than by monthly payments
• Multi-vehicle discounts for insuring more than one of your cars with the same company

While these are just a few of the discounts insurance companies offer, there are countless other ways to save money on you monthly insurance bill. And often, the best way to save isn't through a "discount" at all, but rather by having a favorable insurance history and driving record.

Although you can't control every factor auto insurance carriers reference to calculate prices (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've no doubt heard ads from car insurance companies posting hefty discounts for responsible drivers. And you probably wouldn't be surprised that your insurance rates will go up if you get into an accident or get tickets for speeding. But exactly how much can these infractions cost you?

As you can see from the table above, accidents will usually cost Challenger drivers less than tickets, but both will cause a significant increase in rates. Dodge Challenger drivers with a single ticket will pay about $128 a month, while drivers with one accident on their record pay an average of $114 every month (up $16 from the $98/mo. overall average). Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another variable you have control over is how much you drive each year. Those who are on the roads less are more likely to go accident-free, so they'll usually end up spending less on car insurance. Based on the table above, you can see that Dodge Challenger owners who drive fewer than 2,500 miles each year pay about $86 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $96.

If you work from home or drive less often than the average driver, it may be worth getting usage-based or pay-per-mile car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Dodge Challengers Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Dodge Challenger is on your shortlist, you're probably wondering how it compares to other cars. Insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Visit the table below to see how the Dodge Challenger stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Dodge Challenger is a fantastic value for any budget. The Challenger has a base price of $28,295, which is much cheaper than the national average vehicle MSRP of $46,296.

Unlike the Challenger's lower price, auto insurance premiums run above average when compared to other vehicles on the market. Liability insurance for a Dodge Challenger is around $12 per month more than average, while full coverage is over $50 more monthly.

When it comes to usage, Dodge Challenger drivers are much higher than the national average in annual miles driven, with 13,353 miles per year compared to 11,617 for all vehicles.

Dodge Challenger Car Insurance Costs by Model Year

We've walked through many of the things that can have an impact on how much the average driver pays for insurance. If you're in thinking about buying a new car, truck, or SUV and the Challenger is on your wishlist, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your choices.

Choose Your Model

2021 Dodge Challenger Car Insurance 2020 Dodge Challenger Car Insurance 2019 Dodge Challenger Car Insurance 2018 Dodge Challenger Car Insurance 2017 Dodge Challenger Car Insurance 2016 Dodge Challenger Car Insurance 2015 Dodge Challenger Car Insurance 2014 Dodge Challenger Car Insurance 2013 Dodge Challenger Car Insurance 2012 Dodge Challenger Car Insurance 2011 Dodge Challenger Car Insurance 2010 Dodge Challenger Car Insurance

2021 Dodge Challenger Car Insurance

On average, drivers who own a 2021 Dodge Challenger can expect to pay $93 to $223 a month for liability only and full coverage insurance, respectively.

With rates sometimes as little as $37 per month, MetroMile offered the lowest policy we found.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

2020 Dodge Challenger Car Insurance

2020 Challenger drivers can expect to pay an average of $83 monthly for liability or $223 for full coverage.

With prices sometimes as cheap as $25 a month, MetroMile offered the most affordable policy we found for the 2020 Dodge Challenger.

Want to know exactly how much you'll pay? Get lots of customized quotes for free by just entering your ZIP code below.

2019 Dodge Challenger Car Insurance

You can expect full coverage for a 2019 Dodge Challenger to run about $280 monthly, while liability only coverage will average around $114 per month.

If you're looking for the most affordable 2019 Dodge Challenger insurance policy, Hugo offered the lowest policy we found, with rates as little as $19 a month.

If you want to find the best premiums for car insurance for a 2019 Dodge Challenger, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2018 Dodge Challenger Car Insurance

It costs about $92 monthly for liability or $237 for a full coverage policy for the 2018 Challenger.

Safeco offered the cheapest policy we found, with rates as cheap as just $26 per month.

While these are good estimates of what the average driver might pay to insure a 2018 Dodge Challenger, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2017 Dodge Challenger Car Insurance

The average cost to insure a 2017 Dodge Challenger with liability only coverage is $121 monthly, while full coverage runs around $255 a month.

Hugo has prices as cheap as $19 per month for the 2017 Dodge Challenger.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2016 Dodge Challenger Car Insurance

On average, drivers who own a 2016 Challenger can expect to pay $114 to $221 monthly for liability only and full coverage insurance, respectively.

We found Clearcover offered the lowest policy, with rates as low as just $23 per month.

What will your car insurance price be? Enter your ZIP code below to get multiple free personalized quotes.

2015 Dodge Challenger Car Insurance

It costs about $100 a month for liability or $215 for a full coverage policy for the 2015 Dodge Challenger.

Looking for the cheapest policy? Commonwealth Casualty offered liability only coverage for sometimes as low as $17 per month.

While these are good estimates of what the average driver might pay to insure a 2015 Dodge Challenger, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2014 Dodge Challenger Car Insurance

The average cost to insure a 2014 Challenger with liability only coverage is $89 a month, while full coverage runs around $215 monthly.

We found Workmens offered the most affordable policy, with rates as low as $20 a month.

Want something more accurate than nationwide averages? Get a variety of personalized quotes for free by just entering your ZIP code below.

2013 Dodge Challenger Car Insurance

You can expect full coverage for a 2013 Dodge Challenger to run about $193 monthly, while liability only coverage will average around $84 per month.

With prices as cheap as $18 monthly, Clearcover offered the lowest policy we found.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

2012 Dodge Challenger Car Insurance

2012 Challenger drivers can expect to pay an average of $85 per month for liability or $200 for full coverage.

With rates as low as just $18 a month, Hugo offered the cheapest policy we found for the 2012 Dodge Challenger.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

2011 Dodge Challenger Car Insurance

It costs about $101 monthly for liability or $190 for a full coverage policy for the 2011 Dodge Challenger.

MetLife has premiums sometimes as little as $19 a month for the 2011 Dodge Challenger.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get several personalized quotes for free.

2010 Dodge Challenger Car Insurance

The average cost to insure a 2010 Challenger with liability only coverage is $90 per month, while full coverage runs around $185 a month.

Commonwealth Casualty offered the most affordable policy we found, with rates as cheap as just $22 per month.

If you want to know exactly how much you can expect to pay for your Challenger, get free quotes in minutes by just entering your ZIP code below.

Dodge Challenger Insurance FAQs

Is a Dodge Challenger expensive to insure?

Compared to the national average of all vehicles, prices come in on the more expensive end of the spectrum. Liability insurance runs an average of $98 monthly, while full coverage will cost you around $219.

How can I get the best price on car insurance for my Dodge Challenger?

There's only one way to confirm you're getting the lowest rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from an array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Dodge Challenger affect my insurance rates?

You may have heard the old adage that red cars cost more to insure, but that's actually not the case. There are multiple factors auto insurance companies examine when they calculate your premiums, but the color of your Dodge Challenger is not factored into that equation.

Do I need to have insurance before I buy a Dodge Challenger?

Before you can legally drive your new (or new to you) Challenger off the dealership lot, you'll need to have a valid insurance policy. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance carrier know ahead of time.

What car insurance discounts can I get for my Dodge Challenger?

There are tons of discounts out there for car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your Challenger has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know for sure is to get in touch with your insurance company and ask about which discounts they offer.