The average cost of auto insurance for a Dodge Challenger is $299 per month, which works out to a total of $3,588 a year. The cost of insurance can vary depending on your driving history, location and more.
Initially released in 1969, the Dodge Challenger has been produced in three generations, with the most recent iteration beginning in 2008. Pricing starts at just under $36,265.
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Compare Dodge insurance rates by model
A 2021 Dodge Challenger starts at a base price of $36,265. With the average insurance rate at $3,588 per year, the annual insurance cost–to–base car price ratio is 9.9%.
Model
Monthly insurance rate
Base car price
Challenger
$299
$36,265
Charger
$297
$39,765
Durango
$307
$43,769
To determine these estimated costs, we aggregated quotes from insurance companies using this profile:
Single, 35 year old female
Latest model vehicle
20,000 km driven yearly
Perfect driving record
Equipped with winter tires
Driver located in Etobicoke, Ontario
Our estimated price is for full insurance coverage, which usually includes mandatory liability coverage, comprehensive and collision coverage.
Other factors that can affect your auto insurance rate
The model year
The vehicle’s trim
The amount of coverage you need
The estimated kilometres you drive in a year
The vehicle’s safety and anti-theft features
The driver’s credit score
The driver’s location
The driver’s age
The driver’s driving history in the past several years
The driver’s marital status
Your (or the driver’s) gender
Whether the driver rents, leases or owns the vehicle
How to compare insurance for the Dodge Challenger
Shopping for auto insurance can be a hassle if you don’t know what to look for. Many providers use similar language and claim to have the best price even though policies and coverage can vary. But as frustrating as it may be, coverage is mandatory in almost every state. While you won’t be able to avoid insurance, there are a number of ways you can reduce the cost. Consider these factors when shopping around and you might be able to save on auto insurance.
Price. It’s important to compare similar coverage when shopping for auto insurance. Use the same information for every quote in order to find out which provider has the best price.
Deductible. Your deductible can directly affect the cost of your insurance premiums. Choose an amount the fits your budget but won’t break the bank if you need to file a claim.
Minimum coverage. Every state has different mandatory minimum coverage amounts. Ensure your state minimums are met before committing to a policy.
Additional coverage. There are a number of ways you can extend your coverage. Find out what options are available and be sure to include them in your quotes to get an accurate estimate.
Extras. Extras like accident forgiveness and vanishing deductible can set policies apart from one another. Find out what each policy includes, then decide whether it’s worth paying extra for other features.
Restrictions. Policy restrictions can limit coverage and even lead to denied claims. Find out if any apply to you before purchasing coverage.
Manufacturer offer or loyalty discount. Some automakers have partnerships that may include manufacturer offers or loyalty discounts. Find out if you’re eligible and you may be able to save.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
What factors affect Dodge Challenger insurance rates?
While your driving history and location can influence the price you pay for auto insurance, the vehicle you drive often has a much more significant impact. This is because performance, theft rates, safety features and other variables can differ between makes and models. Here’s how a few vehicle-specific factors could affect the price you pay for auto insurance.
Body type. The Dodge Challenger is a two-door coupe that’s designed for performance, which might make it more expensive to insure.
Type of car. The Challenger is a pony/muscle car that puts out a lot of horsepower. Depending on your choice of model and build options, insurance could be expensive.
Theft. While muscle cars generally aren’t considered high-profile targets for theft, the 2013 Challenger was the third most stolen car in the US. This may lead to higher premiums.
Repairs. The lower-end models shouldn’t be too expensive to repair but the pricier ones might be. Your choice of model could affect your rates.
Safety ratings. The Challenger has decent safety ratings. Compared to other vehicles with higher scores, insurance could be more expensive.
Fuel type. This vehicle has a gas engine, which is generally cheaper to repair than diesel or hybrid engines. This may make insurance a bit more affordable.
Trim & packages. Choosing models or build options that increase power could lead to more expensive auto insurance. However, options that improve safety or visibility could have the opposite effect.
Does the Dodge Challenger qualify for auto insurance discounts?
You could save money on car insurance for your Dodge Challenger if it comes equipped with these safety features.
The 2020 Dodge Challenger gets average or below average ratings in most crashworthiness categories from the Insurance Institute for Highway Safety (IIHS).
J.D. Power give the 2020 Challenger a 87/100 Quality and Reliability rating, which is on par with other vehicles in its class. However, your experience may vary depending on your choice of model and options along with how you drive your vehicle.
Dodge Challenger maintenance
Putting out up to 840 horsepower, the Dodge Challenger is a powerful muscle car that’s designed to offer an exciting driving experience. Its powerful engine and performance-inspired features may require more maintenance then luxury vehicles and other daily drivers. Routine maintenance to replace oil, rotate tires and other simple measures can ensure that your vehicle operates as it should. Here’s what to expect:
Dodge recommends an oil change every 13,000 km or 6 months, whichever comes first.
Oil changes should cost between $75 and $150, but your price may vary depending on how frequently your vehicle is driven and where you bring it for service.
Consult your owners manual for more details on the service schedule for the Dodge Challenger.
Is an extended warranty worth it for the Dodge Challenger?
The Challenger is backed by a three-year/60,000-km standard warranty.
While Dodge itself doesn’t offer an extended warranty for the Challenger, there are two plans available through Mopar, its parent company. Terms are available up to eight years/200,000 km and covers parts, rental allowances and more. Considering the Challenger’s satisfactory reliability rating, the extended warranty options may provide peace of mind once your initial warranty expires.
Bottom line
The Dodge Challenger is a powerful muscle car that’s designed for speed and performance. Given its powerful engine and mediocre safety & reliability ratings, coverage might be expensive. However, your choice of model, build options, and many other factors can affect the cost of insurance, making it important to compare your options to find out exactly how much you’ll pay.
Frequently asked questions about the Dodge Challenger
Auto insurance is very situational, so it’s tough to say what provider is best for the Dodge Challenger. Get quotes from multiple providers so you can compare your options to find out which offers the best value for the coverage you need.
Considering its power and performance-oriented design, auto insurance for the Dodge Challenger can be expensive. Since your vehicle’s performance can directly affect the cost of insurance, models with more horsepower will cost more to insure. With that said, the Challenger comes with a number of great safety features that may be eligible for auto insurance discounts. Speak with potential providers about potential discounts, then compare your options to find the best rates.
You can learn more about provincial minimums here, by selecting your province or territory in the top right hand corner. Or you can speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your provincial minimum requirements.
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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