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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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The Dodge Challenger costs an average of $214 per month to insure — that’s significantly higher than the national average for all vehicles.
You can get the cheapest rates from USAA, which charges an average of $120 per month for Challenger owners.
Challengers are high-power muscle cars associated with higher fatal accident rates, which contribute to the vehicle’s costly insurance premiums.[1]
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.[2]
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 | $136 | $292 | $214 |
| All vehicles | $116 | $216 | $166 |
Liability coverage for the Dodge Challenger costs an average of $136 per month, while full coverage costs an average of $292 per month. But your premium will also depend on your insurer, your location, age, driving history, and other factors.
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 |
|---|---|
| USAA | $120 |
| State Farm | $133 |
| Allstate | $170 |
| American Family | $181 |
| GEICO | $186 |
| CSAA | $204 |
| Nationwide | $220 |
| Progressive | $225 |
| Travelers | $229 |
| Farmers | $260 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA consistently offers affordable rates and has great third-party ratings. Challenger owners can save even more with various discounts, including good driver discounts, bundling, installing anti-theft devices, and some military-specific options like garaging on base.
The company serves only military members and their families, so Challenger drivers not affiliated with the military will need to find coverage elsewhere.
Superior AM Best financial strength rating
Discount for hybrid/electric vehicles
New car discount
Only available to the military community
No diminishing deductible available
Limited in-person agencies
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a great option for Challenger drivers. Not only does the company offer affordable rates, but it also provides great discount offerings compared to its competitors. It also has a page dedicated to sports car drivers and how to save on premiums.
But State Farm doesn’t have gap insurance, so it may not be the best option if you have a large car loan for your Challenger.
Large agency network
Available nationwide
Sports car coverage available
No gap insurance available
Few optional coverages
High rates for drivers with poor credit
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
If you’re a Challenger enthusiast and own a high-value one with special features or a vintage Challenger, Allstate may be a great choice through its classic car insurance. Even if your Challenger isn’t classified as a classic, you can still find affordable coverage through Allstate. But its low claims satisfaction rating and customer reviews may signal issues if you have to submit a claim.
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.[5]
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 |
|---|---|
| 2023 | $258 |
| 2022 | $258 |
| 2021 | $249 |
| 2020 | $238 |
| 2019 | $233 |
| 2018 | $224 |
| 2017 | $220 |
| 2016 | $214 |
| 2015 | $209 |
| 2014 | $206 |
| 2013 | $196 |
| 2012 | $190 |
| 2011 | $185 |
| 2010 | $182 |
| 2009 | $176 |
| 2008 | $174 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $108 |
| Allstate | $141 |
| American Family | $153 |
| GEICO | $179 |
| Nationwide | $183 |
| Travelers | $191 |
| Progressive | $197 |
| CSAA | $212 |
| Farmers | $212 |
| Liberty Mutual | $317 |
| Amica | $566 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $108 |
| Allstate | $141 |
| American Family | $153 |
| GEICO | $179 |
| Nationwide | $183 |
| Travelers | $191 |
| Progressive | $197 |
| CSAA | $212 |
| Farmers | $212 |
| Liberty Mutual | $317 |
| Amica | $566 |
Company | Average Monthly Premium |
|---|---|
| USAA | $97 |
| State Farm | $105 |
| Allstate | $136 |
| American Family | $148 |
| GEICO | $173 |
| Nationwide | $177 |
| Travelers | $185 |
| Progressive | $191 |
| CSAA | $205 |
| Farmers | $205 |
| Liberty Mutual | $306 |
| Amica | $547 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $100 |
| Allstate | $130 |
| American Family | $141 |
| GEICO | $165 |
| Nationwide | $169 |
| Travelers | $177 |
| Progressive | $182 |
| CSAA | $195 |
| Farmers | $195 |
| Liberty Mutual | $292 |
| Amica | $522 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $98 |
| Allstate | $127 |
| American Family | $138 |
| GEICO | $162 |
| Nationwide | $165 |
| Travelers | $173 |
| Progressive | $178 |
| Farmers | $191 |
| CSAA | $191 |
| Liberty Mutual | $286 |
| Amica | $511 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $94 |
| Allstate | $123 |
| American Family | $133 |
| GEICO | $156 |
| Nationwide | $159 |
| Travelers | $167 |
| Progressive | $172 |
| CSAA | $184 |
| Farmers | $184 |
| Liberty Mutual | $276 |
| Amica | $492 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $93 |
| Allstate | $120 |
| American Family | $131 |
| GEICO | $153 |
| Nationwide | $157 |
| Travelers | $164 |
| Progressive | $169 |
| CSAA | $181 |
| Farmers | $181 |
| Liberty Mutual | $271 |
| Amica | $484 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $90 |
| Allstate | $117 |
| American Family | $127 |
| GEICO | $149 |
| Nationwide | $152 |
| Travelers | $159 |
| Progressive | $164 |
| CSAA | $176 |
| Farmers | $176 |
| Liberty Mutual | $263 |
| Amica | $469 |
Company | Average Monthly Premium |
|---|---|
| USAA | $81 |
| State Farm | $88 |
| Allstate | $114 |
| American Family | $124 |
| GEICO | $145 |
| Nationwide | $148 |
| Travelers | $155 |
| Progressive | $160 |
| CSAA | $172 |
| Farmers | $172 |
| Liberty Mutual | $257 |
| Amica | $459 |
Where you live plays a major role in your insurance rates. 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.
State | Average Monthly Premium |
|---|---|
| Alabama | $177 |
| Arizona | $188 |
| Arkansas | $203 |
| California | $230 |
| Colorado | $230 |
| Connecticut | $319 |
| Delaware | $267 |
| Florida | $249 |
| Georgia | $285 |
| Hawaii | $141 |
| Idaho | $117 |
| Illinois | $177 |
| Indiana | $146 |
| Iowa | $120 |
| Kansas | $166 |
| Kentucky | $221 |
| Louisiana | $239 |
| Maine | $156 |
| Maryland | $340 |
| Massachusetts | $169 |
| Michigan | $258 |
| Minnesota | $195 |
| Mississippi | $169 |
| Missouri | $203 |
| Montana | $167 |
| Nebraska | $161 |
| Nevada | $283 |
| New Hampshire | $98 |
| New Jersey | $301 |
| New Mexico | $162 |
| New York | $246 |
| North Carolina | $99 |
| North Dakota | $131 |
| Ohio | $138 |
| Oklahoma | $192 |
| Oregon | $171 |
| Pennsylvania | $180 |
| Rhode Island | $246 |
| South Carolina | $274 |
| South Dakota | $155 |
| Tennessee | $159 |
| Texas | $245 |
| Utah | $168 |
| Vermont | $160 |
| Virginia | $200 |
| Washington | $190 |
| Washington D.C. | $352 |
| West Virginia | $165 |
| Wisconsin | $135 |
| Wyoming | $126 |
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 |
|---|---|
| Teens | $411 |
| Adults | $214 |
| Seniors | $184 |
Insuring a Dodge Challenger for a young driver is especially expensive because insurers view both younger drivers and sporty models as high-risk. Drivers younger than 25 have significantly higher crash involvement rates, and combining that age group with a performance-oriented vehicle increases the risk profile.[5]
Even so, pricing varies widely between companies. Here are the cheapest insurers for teen Challenger drivers, according to Compare.com data.
Older adults generally receive lower insurance rates, thanks to their decades of driving experience and lower crash rates compared to other age groups. Seniors behind the wheel of a Dodge Challenger often benefit from these trends, as well as from senior driver discounts that some insurers automatically apply.[6]
But rates can still differ significantly between insurance companies. The five insurers in the chart below tend to charge the lowest prices for senior Challenger drivers, based on our research.
Your driving record plays a major role in how much you pay to insure a Dodge Challenger. Any incident, such as speeding, an at-fault crash, or a DUI, can trigger a sharp rate increase. What’s more, these infractions usually remain on your record for three to five years. But it’s still possible to find affordable rates and save on your insurance.
Below is how different driving records affect average monthly Challenger insurance costs, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $214 |
| Speeding ticket | $297 |
| At-fault accident | $306 |
| DUI | $360 |
Speeding is one of the strongest predictors of crash severity, and insurers price policies accordingly, especially for muscle cars like the Challenger. A single speeding ticket can significantly increase premiums, but each insurer evaluates them differently.
Some have steep increases, while others are more relaxed.[7] Ultimately, it’s still possible to save even after a speeding ticket.
Our research shows the following insurers tend to offer the most affordable Challenger insurance for drivers with a recent speeding violation.
An at-fault accident often leads to a noticeable premium increase because it signals to insurers that you’re more likely to file a claim and cause an accident again. Rate increases can be even greater for a performance vehicle like the Dodge Challenger, where repair costs may be higher. Rate increases typically last about three years.[8]
Still, not all insurers treat accidents the same way. Below, we’ve highlighted the five most affordable options for Challenger drivers with a prior at-fault crash.
Driving under the influence (DUI) is one of the most damaging violations for insurance costs. Some insurers may decline to cover you altogether, while others may raise rates sharply due to the high risk.[9]
But a few companies are more willing to work with high-risk drivers and will offer cheaper coverage. The insurers in the chart below offer the cheapest Challenger insurance rates for drivers with a DUI, according to our data.
Insurance companies look at several vehicle-specific factors when determining premiums for a Dodge Challenger. Here are three things to consider:
Repair costs and parts pricing: Performance-oriented components on the Dodge Challenger are typically more expensive to repair or replace than those on a regular car, which can lead to higher insurance premiums.
Performance characteristics: The Challenger’s strong performance engines can lead to higher insurance costs because high-horsepower cars tend to cause more severe crashes.
Theft patterns: Thieves often target higher-performance cars because they command strong resale value and contain valuable parts. Theft risk can still vary significantly by region and may affect your rates.
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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.
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.
Yes. On average, Dodge Challengers are more expensive to insure than most vehicles, according to our research. Drivers pay an average of $214 per month, compared to $166 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.
USAA is the cheapest insurance company for a Dodge Challenger, with an average monthly premium of $120, according to our data.
The average monthly premium for the 2023 Dodge Challenger is $258 per month, according to our data.
The cheapest Dodge model to insure is the Caravan, with an average car insurance premium of $102 per month, according to our research.
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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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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