Dodge Challenger vs Nissan GT-R Insurance Cost

The Dodge Challenger is cheaper to insure by about $70 a year for full coverage by our estimate ($1,705 vs. $1,775), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Dodge Challenger	Nissan GT-R	Difference
State minimum	$665	$690	−$25
Standard (100/300/100)	$965	$995	−$30
Full coverage	$1,705	$1,775	−$70

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Challenger minus GT-R.

Why one costs more to insure

Factor	Dodge Challenger	Nissan GT-R
Segment	Sports car	Sports car
Powertrains	Gasoline, Flex-fuel	Gasoline
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	6	1

Challenger vs GT-R insurance by state

State	Challenger	GT-R	Difference
Alabama	$1,485	$1,545	−$60
Alaska	$1,495	$1,560	−$65
Arizona	$1,785	$1,855	−$70
Arkansas	$1,500	$1,565	−$65
California	$1,680	$1,750	−$70
Colorado	$1,920	$2,000	−$80
Connecticut	$1,815	$1,890	−$75
Delaware	$1,905	$1,980	−$75
District of Columbia	$2,155	$2,245	−$90
Florida	$2,435	$2,530	−$95
Georgia	$2,110	$2,195	−$85
Hawaii	$1,180	$1,230	−$50
Idaho	$1,155	$1,205	−$50
Illinois	$1,480	$1,540	−$60
Indiana	$1,210	$1,260	−$50
Iowa	$1,145	$1,200	−$55
Kansas	$1,350	$1,410	−$60
Kentucky	$1,430	$1,490	−$60
Louisiana	$2,355	$2,450	−$95
Maine	$1,085	$1,130	−$45
Maryland	$1,915	$1,995	−$80
Massachusetts	$1,680	$1,750	−$70
Michigan	$1,860	$1,940	−$80
Minnesota	$1,415	$1,475	−$60
Mississippi	$1,625	$1,690	−$65
Missouri	$1,540	$1,605	−$65
Montana	$1,345	$1,405	−$60
Nebraska	$1,355	$1,415	−$60
Nevada	$1,965	$2,040	−$75
New Hampshire	$1,215	$1,265	−$50
New Jersey	$2,060	$2,140	−$80
New Mexico	$1,525	$1,590	−$65
New York	$2,290	$2,380	−$90
North Carolina	$1,270	$1,330	−$60
North Dakota	$1,080	$1,130	−$50
Ohio	$1,215	$1,270	−$55
Oklahoma	$1,525	$1,595	−$70
Oregon	$1,530	$1,590	−$60
Pennsylvania	$1,485	$1,550	−$65
Rhode Island	$2,065	$2,145	−$80
South Carolina	$1,820	$1,890	−$70
South Dakota	$1,280	$1,340	−$60
Tennessee	$1,415	$1,475	−$60
Texas	$2,010	$2,095	−$85
Utah	$1,550	$1,610	−$60
Vermont	$1,105	$1,155	−$50
Virginia	$1,465	$1,525	−$60
Washington	$1,485	$1,545	−$60
West Virginia	$1,415	$1,480	−$65
Wisconsin	$1,160	$1,210	−$50
Wyoming	$1,310	$1,370	−$60

By driver profile (full coverage)

Driver	Challenger	GT-R
Teen driver (18, own policy)	$4,690	$4,880
Young adult (22)	$2,730	$2,840
Adult in their 30s	$1,705	$1,775
Adult in their 50s	$1,570	$1,635
Senior (72)	$1,910	$1,990
30s, one at-fault accident	$2,470	$2,575
30s, DUI on record	$3,155	$3,285

More comparisons

Frequently asked questions

Is the Dodge Challenger or the Nissan GT-R cheaper to insure?

By our estimate the Dodge Challenger is cheaper, by about $70 a year for full coverage ($1,705 vs. $1,775) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Dodge Challenger and Nissan GT-R?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page