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Dodge Challenger insurance rates

Average Challenger’s insurance cost? $206. Style doesn’t always cost more — see our sample rates.

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The average cost of car insurance for a 2021 Dodge Challenger is $205.65 a month —or $2,467.77 a year. However, your actual costs depend on your driving history, car model, location and other factors.

We pulled Dodge Challenger car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 Dodge Challenger is $205.65. However, an older model may score you lower rates.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Dodge Challenger$131.91$111.48$188.56$171.03$150.75
2016 Dodge Challenger$150.75$133.61$223.56$192.02$174.99
2021 Dodge Challenger$176.42$176.95$247.24$221.98$205.65

How we got these rates

Our rates are based on a single 30-year old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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How to compare insurance for the Dodge Challenger

By getting quotes from multiple insurance companies, you can compare your options to find out which offers the best value for the coverage your Dodge Challenger needs. Consider these factors when shopping around 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 car insurance rates for Dodge Challenger?

Considering the power and performance-oriented design, auto insurance for the Dodge Challenger will cost more than your common, everyday car. Check out how the Challenger’s performance, theft rates, safety features and other variables can affect the price you pay.

  • 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 up to 840 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. 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?

The Challenger comes with safety features that may be eligible for auto insurance discounts. Speak with potential insurance companies about discounts, then compare multiple options to find the best rates overall.

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Dodge Challenger reliability & safety ratings

According to U.S. News and J.D. Power, the 2018 Dodge Challenger holds a safety rating of 8.4/10. The NHTSA gives it an overall rating of 5/5 stars, with 4/5 for frontal crash, 5/5 for side crash and 4/5 for rollover. However, the IIHS gives it average or below average ratings in most crashworthiness categories.

U.S. News and J.D. Power give the 2018 Challenger a 3/5 star 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 8,000 miles 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/36,000-mile standard warranty and five-year/60,000-mile powertrain warranty. It also comes with five years of corrosion protection and roadside assistance.

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/125,000 miles and covers parts, low deductibles, 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.

About the Dodge Challenger

The Dodge Challenger has been around since 1958 and currently in its fourth generation. The sports car is known for its excellent engine lineup, luxurious and spacious interior and smooth automatic transmission. In 2016, there were over 64,000 models sold in the United States. The 2018 muscle car will be the most extreme version of the Challenger yet.

Compare Dodge competitors

Find out what else Dodge has to offer or explore other manufacturers to compare vehicles similar to the Challenger.

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.

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