Online Dodge Durango Insurance Rates [List of Money Saving Tips]

Average car insurance rates for a Dodge Durango cost $1,440 a year, or around $120 a month. Good drivers can save as much as $2,221 a year over higher risk drivers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 7, 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

You might believe that trying to find Dodge Durango insurance rates that meet your budget is an impossible chore. That’s why we’ve prepared this informative guide to educate you on how Dodge Durango car insurance rates are calculated. For example, average Dodge Durango rates come to $1,440 a year, or around $120 per month. Keep reading for helpful info and tips that go a long way.

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 rates 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 Ford Expedition, Chevrolet Tahoe, and Honda Passport.

Vehicle Comprehensive Collision Liability Total
Dodge Durango $348 $562 $372 $1,440
Ford Expedition $336 $532 $316 $1,320
Chevrolet Tahoe $336 $532 $372 $1,398
Honda Passport $362 $656 $316 $1,470
Jeep Grand Cherokee $322 $562 $372 $1,414
GMC Terrain $322 $562 $316 $1,336
Volvo XC90 $346 $600 $390 $1,494
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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?

Even though the average annual rate for the Dodge Durango is $1,440, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Dodge Durango.

Age of the Vehicle

The average Dodge Durango car insurance rates are higher for newer models. For example, car 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
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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 Los Angeles may pay $1,238 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Dodge Durango car insurance. 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

The Dodge Durango’s safety ratings will affect your Dodge Durango auto 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
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Dodge Durango Crash Test Ratings

Dodge Durango crash test ratings can impact your Dodge Durango car insurance rates. See Dodge Durango crash test results below:

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

Dodge Durango safety features can lower the cost of your insurance. The safety features for the 2020 Dodge Durango 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

Review the Dodge Durango car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Dodge Durango auto insurance costs; higher percentages mean higher Dodge Durango auto insurance costs.

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 coverage options including comprehensive coverage, so be sure to shop around and 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 several ways you can save even more on your Dodge Durango car insurance rates. Take a look at the following five tips:

  • Compare Insurance Companies After Moving
  • Compare Dodge Durango Quotes for Free Online
  • Take a Refresher Course as an Older Driver
  • Consider Renting a Car Instead of Buying a Second Dodge Durango
  • Choose a Dodge Durango with Cheaper Repair Costs

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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Compare Free Dodge Durango Insurance Quotes Online

Start comparing Dodge Durango auto insurance quotes for free by using our FREE online comparison tool.

If you’re considering purchasing an SUV, you may be thinking about the cost of owning a Dodge Durango.

To get car insurance quotes for the Dodge Durango today, click here and enter your ZIP code!

If your Dodge Durango is still fairly new, you may have a lien on it. Most lenders require full coverage car insurance on any vehicle they finance.

Full coverage insurance usually includes bodily injury and damage liability, collision coverage, in addition to comprehensive coverage for damages to the Dodge Durango.

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Is the Dodge Durango less expensive to insure than other SUVs?

Since the Durango is American made, it costs less to insure than any foreign-made, comparable SUV. Considering the difference between coverage for a four-door sedan and an SUV, insurance is going to cost more.

The difference in insurance rates is going be relative to the vehicle and the Durango comparison, and the state where the vehicle is insured.

This SUV cost an average of $1,500 to insure according to cost calculating websites. Although Chrysler focused on fuel economy in its 2009 design, the 2011 model offers even more in fuel economy and other upgrades.

The Dodge Durango is available in several models such as:

  • Citadel Trim
  • SRT-8
  • HEV Hybrid with HEMI engine
  • SE
  • SLT

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How can I choose an insurance carrier for my Dodge Durango?

Many car insurance companies will insure your Durango. The minimum amount of coverage will vary depending on the state where your vehicle is registered.

With the number of scams in the marketplace today, it pays to check out the carrier who offers unusually low down payments and premiums. Don’t just pick the cheapest quote without checking into the stability of the company.

Standard and Poor’s, A.M. Best and J.D. Power and Associates are consumer-rating companies that rate insurance companies on their financial solvency and customer service standing in the insurance industry.

These ratings will inform you of a company’s stability in case you have to file a claim.

Just because a company is a member of the Better Business Bureau does not make them solvent.

You may also want to ask if they have incentives like:

  • Accident forgiveness
  • Decreasing deductible
  • Roadside assistance
  • 24-hour towing
  • No claims bonus

A little research will trigger other questions as well. Some insurance companies will offer rental car replacement for those times when your car is in service.

You may be able to modify standard inclusions and riders, which are additional provisions specified. If you will use your Durango to pull your boat or car, it may be wise to inform your insurance carrier of your intent.

How can I save money on the car insurance cost for a Dodge Durango?

Saving money on your insurance may be as simple as increasing your deductible or taking a driver’s safety class. Improving your credit score is not always easy, but as it improves, so will your insurance rate.

If you already have plans to move to another state, depending on where you move, it may save you money in insurance premiums. Do not forget to mention your AAA, AARP, club, or organization affiliation; it may be good for a 10% discount.

Dodge is making it easier to own the Durango by offering 36 months or 36,000 miles of free maintenance to purchasers of its new models. The “No-Cost Maintenance Plus” plan also includes:

  • No deductible for 3 years
  • Car rental allowances
  • Oil changes
  • $1,000 trip interruption protection (if traveling over 100 miles)
  • $100 Roadside assistance coverage

Hybrid Durango’s V8 engine has the fuel economy comparable to a V6 engine. The SUV can run either on battery, V8 engine or both.

Mileage increased from 14 mpg to 16 mpg in the city and 20 highway miles. The Dodge Durango now offers 45 safety features that are sure to qualify for insurance savings.

Get comparison car insurance quotes on your Dodge Durango today with only your ZIP code here!

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Average Monthly Car Insurance Rates by State