UPDATED: Jul 31, 2020
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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.
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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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.
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 | |||
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.
Average
Cost of Insurance
$1,380*
Min
$815*
Max
$2,465*
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