Are Dodge Durangos Expensive to Insure? [Rates + Coverage Guide]
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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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jul 16, 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 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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