Dodge Durango Insurance Quotes [Rates + Cheap Coverage Guide]

Average Dodge Durango car insurance rates cost $1,440 a year, or around $120 a month. You can find cheap Dodge Durango insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $846 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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Key takeaways:

  • Full coverage costs around $1,440 a year or $120 each month
  • A liability-only policy costs around $577 a year or $48 each month
  • Highest rates are for teenage drivers at around $5,263 a year or $439 each month
  • Good drivers can save as much as $594 a year by earning policy discounts
  • Dodge Durango insurance costs around $79 less per year than the average vehicle

Dodge Durango insurance rates don’t need to be complicated. Full coverage for a Dodge Durango costs around $1,440 a year or $120 each month. Keep reading for a complete breakdown of insurance rates for a Dodge Durango and savings advice.

You can start comparing quotes for Dodge Durango car insurance rates from some of the best car insurance companies by using our free online tool now.

Dodge Durango Insurance Cost

The average Dodge Durango auto insurance costs are $1,440 a year or $120 a month.

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Are Dodge Durangos Expensive to Insure?

The chart below details how Dodge Durango insurance rates compare to other SUVs like the Volvo XC60, Jeep Wrangler, and Nissan Armada.

Vehicle Comprehensive Collision Liability Total
Dodge Durango $348 $562 $372 $1,440
Volvo XC60 $306 $536 $338 $1,316
Jeep Wrangler $280 $376 $420 $1,256
Nissan Armada $306 $536 $338 $1,316
Jeep Cherokee $348 $626 $466 $1,640
Subaru Forester $346 $512 $332 $1,326
Dodge Journey $322 $532 $372 $1,384
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However, there are a few things you can do to find the cheapest Dodge insurance rates online.

What Impacts the Cost of Dodge Durango Insurance?

The Dodge Durango trim and model you choose can impact the total price you will pay for Dodge Durango auto insurance coverage.

Age of the Vehicle

Older Dodge Durango models generally cost less to insure. For example, auto insurance rates for a 2020 Dodge Durango are $1,440, while 2011 Dodge Durango rates are $1,200, a difference of $240.

Model Year Comprehensive Collision Liability Total
2020 Dodge Durango $348 $562 $372 $1,440
2019 Dodge Durango $332 $542 $390 $1,422
2018 Dodge Durango $320 $536 $398 $1,412
2017 Dodge Durango $308 $524 $416 $1,406
2016 Dodge Durango $298 $502 $430 $1,388
2015 Dodge Durango $282 $484 $442 $1,366
2014 Dodge Durango $270 $450 $452 $1,330
2013 Dodge Durango $260 $424 $456 $1,298
2012 Dodge Durango $248 $380 $460 $1,246
2011 Dodge Durango $232 $350 $460 $1,200
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Driver Age

Driver age can have a significant effect on Dodge Durango car insurance rates. As an example, a 30-year-old driver pays around $63 more each year for their Dodge Durango car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Dodge Durango insurance rates. For example, drivers in New York may pay $878 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on your Dodge Durango car insurance rates. Teens and drivers in their 20’s see the highest jump in their Dodge Durango car insurance with violations on their driving record.

Dodge Durango Safety Ratings

Your Dodge Durango car insurance rates are influenced by the safety ratings of the Dodge Durango. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Marginal
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Dodge Durango Crash Test Ratings

Poor Dodge Durango crash test ratings could mean higher Dodge Durango car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Dodge Durango SUV RWD 4 stars 4 stars 5 stars 4 stars
2020 Dodge Durango SUV 4WD 4 stars 4 stars 5 stars 3 stars
2020 Dodge Durango SRT SUV AWD N/R N/R N/R N/R
2019 Dodge Durango SUV 4WD 4 stars 4 stars 5 stars 3 stars
2019 Dodge Durango SUV 2WD 4 stars 4 stars 5 stars 4 stars
2019 Dodge Durango SRT SUV AWD N/R N/R N/R N/R
2018 Dodge Durango SUV 4WD 4 stars 4 stars 5 stars 3 stars
2018 Dodge Durango SUV 2WD 4 stars 4 stars 5 stars 4 stars
2018 Dodge Durango SRT SUV AWD N/R N/R N/R N/R
2017 Dodge Durango SUV 4WD 4 stars 4 stars 5 stars 3 stars
2017 Dodge Durango SUV 2WD 4 stars 4 stars 5 stars 4 stars
2016 Dodge Durango SUV 4WD 4 stars 4 stars 5 stars 3 stars
2016 Dodge Durango SUV 2WD 4 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Dodge Durango Safety Features

Having a variety of safety features on your Dodge Durango can help lower your Dodge Durango insurance costs. The Dodge Durango’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control

Dodge Durango Insurance Loss Probability

Another contributing factor that plays a direct role in Dodge Durango insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision -12%
Property Damage 10%
Comprehensive -9%
Personal Injury 4%
Medical Payment -10%
Bodily Injury 0%
Source: Insurance Institute for Highway Safety
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Dodge Durango Finance and Insurance Cost

If you are financing a Dodge Durango, most lenders will require your carry higher Dodge Durango coverages including comprehensive coverage, so be sure to compare Dodge Durango car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Dodge Durango Insurance

There are many ways that you can save on Dodge Durango car insurance. Below are five actions you can take to find cheap Dodge Durango auto insurance rates.

  • Get Cheaper Dodge Durango Car Insurance Rates as a Full-Time Parent
  • Ask for a Higher Deductible for Your Dodge Durango Insurance Policy
  • Check the Odometer on Your Dodge Durango
  • Remove Unnecessary Insurance Once Your Dodge Durango is Paid Off
  • Check Reviews and State Complaints Before You Choose an Insurer

Top Dodge Durango Insurance Companies

Who is the best auto insurance company for Dodge Durango insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Durango auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Durango offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Dodge Durango Insurance Quotes Online

You can start comparing quotes for Dodge Durango car insurance rates from some of the best car insurance companies by using our free online tool now.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2014
4
4
5
5
2013
4
4
5
5
2012
4
4
5
5
2011

Crash Avoidence Features

Forward Collision Warning

Optional

Forward Collision Auto Brake

Optional

Lane Departure Warning

Not Available

Land Departure Prevention

Not Available

Blind Spot Detection

Optional

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