Dodge Durango Auto Insurance (2023)
Average Dodge Durango auto insurance rates cost $1,440 a year, or around $120 a month. Mature drivers with good driving records may find rates as low as $846 a year.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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 auto insurance rates for Dodge Durango are around $79 less annually than the average American vehicle. Full coverage costs around $1,440 a year or $120 a month.
Good drivers can qualify for up to $594 in savings just for them . We’ll be looking at Dodge Durango insurance rates, crash test ratings, and more.
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 car 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 Mercedes-Benz GLS 450, Subaru Forester, and Mitsubishi Outlander.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Dodge Durango | $348 | $562 | $372 | $1,440 |
| Mercedes-Benz GLS 450 | $458 | $894 | $398 | $1,908 |
| Subaru Forester | $346 | $512 | $332 | $1,326 |
| Mitsubishi Outlander | $306 | $542 | $332 | $1,316 |
| Nissan Armada | $306 | $536 | $338 | $1,316 |
| Ford Flex | $332 | $566 | $398 | $1,454 |
| Jeep Cherokee | $348 | $626 | $466 | $1,640 |
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 will affect the total price you will pay for Dodge Durango insurance coverage.
Age of the Vehicle
Older Dodge Durango models generally cost less to insure. For example, auto insurance for a 2020 Dodge Durango costs $1,440, while 2011 Dodge Durango insurance costs 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 impact on the cost of Dodge Durango auto insurance. For example, 20-year-old drivers pay approximately $1,761 each year for their Dodge Durango auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Dodge Durango insurance rates. For example, drivers in Jacksonville may pay $864 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Dodge Durango auto insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Durango auto insurance rates with violations on their driving record.
Dodge Durango Safety Ratings
The Dodge Durango’s safety ratings will affect your Dodge Durango car insurance rates. See the chart 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
The crash test ratings of the Dodge Durango can impact your 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
The numerous safety features of the Dodge Durango help contribute to lower insurance rates. The 2020 Dodge Durango has the following safety features:
- 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
The Dodge Durango’s insurance loss probability varies for each form of coverage. The lower percentage means lower Dodge Durango auto insurance rates; higher percentages mean higher Dodge Durango car insurance rates.
| 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, you will pay more if you purchase Dodge Durango auto insurance at the dealership, so be sure to shop around and compare Dodge Durango auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Dodge Durango Insurance
You have more options at your disposal to save money on your Dodge Durango car insurance costs. For example, try these five tips:
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
- Add a More Experienced Driver to Your Dodge Durango Policy
- Ask About Dodge Durango Safety Discounts
- Tell Your Insurer How You Use Your Dodge Durango
- Ask About Retiree Discounts
Top Dodge Durango Insurance Companies
Who is the top 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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Frequently Asked Questions
What is Dodge Durango auto insurance?
Dodge Durango auto insurance refers to insurance coverage specifically designed for the Dodge Durango, a popular mid-size SUV manufactured by Dodge. It provides financial protection in case of accidents, theft, or other covered incidents involving the Dodge Durango.
Can I insure my Dodge Durango with any insurance company?
Yes, you can insure your Dodge Durango with any insurance company that offers auto insurance. Many insurance providers offer coverage for SUVs like the Dodge Durango, allowing you to compare quotes and choose the policy that suits your needs and budget.
What factors affect Dodge Durango auto insurance rates?
Several factors influence the cost of Dodge Durango auto insurance, including:
- Vehicle-specific factors: The make, model, year, and trim level of your Dodge Durango can impact insurance rates. Factors such as the vehicle’s value, repair costs, safety features, and theft rates play a role in determining premiums.
- Driver-related factors: Your age, driving record, location, and other personal factors, such as credit history, can affect insurance rates. Younger drivers, those with previous accidents or violations, or individuals living in high-risk areas may face higher premiums.
- Coverage and deductibles: The type and amount of coverage you choose, as well as the deductibles selected, can impact insurance rates. Higher coverage limits and lower deductibles generally result in higher premiums.
- Insurance company’s rating factors: Each insurance company has its own rating factors and algorithms to calculate premiums. These factors can vary between companies, leading to different rates for insuring a Dodge Durango.
What types of coverage are available for Dodge Durango auto insurance?
Various coverage options are available for Dodge Durango auto insurance, including:
- Liability coverage: This covers damages and injuries you cause to others in an at-fault accident.
- Collision coverage: This pays for repairs or replacement of your Dodge Durango if it is damaged in a collision with another vehicle or object.
- Comprehensive coverage: This provides coverage for non-collision-related incidents, such as theft, vandalism, natural disasters, or hitting an animal.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Personal injury protection (PIP) or medical payments coverage: This covers medical expenses for you and your passengers, regardless of fault in an accident.
Are there any specific considerations for insuring a Dodge Durango?
Yes, there are specific considerations for insuring a Dodge Durango:
- Vehicle usage: Insurance rates may vary depending on how you use your Dodge Durango. If you use it for personal commuting only, rates may be lower compared to using it for business or commercial purposes.
- Safety features: The presence of advanced safety features in your Dodge Durango, such as anti-lock brakes, airbags, or electronic stability control, can help lower insurance rates. Ensure that you inform your insurance provider about these safety features to potentially qualify for discounts.
- Location: The area where you live and park your Dodge Durango can impact insurance rates. Higher rates may apply if you live in an area with a high crime rate or frequent incidents of theft or vandalism.
- Additional drivers: If you plan to allow other individuals to drive your Dodge Durango regularly, such as family members or employees, it’s important to include them in your insurance policy or consider adding them as named drivers. This ensures that they are covered in case of an accident.
How can I find affordable insurance for my Dodge Durango?
To find affordable insurance for your Dodge Durango, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies specializing in SUV insurance. Compare rates, coverage options, and discounts to find the most affordable policy for your Dodge Durango.
- Bundle policies: If you have other insurance policies, such as home or renters insurance, consider bundling them with your auto insurance. Many insurers offer discounts for bundling multiple policies.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations demonstrates responsibility and can lead to lower insurance premiums.
- Increase deductibles: If you’re comfortable with assuming a higher out-of-pocket cost in the event of a claim, you can increase your deductibles. This may result in lower monthly premiums.
- Inquire about discounts: Ask your insurance provider about available discounts for features like anti-theft devices, safe driving records, or completion of defensive driving courses.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.