Online Dodge Durango Insurance Rates [Coverage Guide]

Dodge Durango insurance costs $120/mo or $1,440/yr, which makes Dodge Durango insurance rates around $79 less/yr. Teenage drivers will pay up to $483.58/mo or $5,263/yr on Dodge Durango insurance, while good drivers may only pay $70.50/mo or $846/yr on Dodge Durango insurance costs.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 slightly less than the average vehicle with full coverage costing around $1,440 a year or $120 a month. Owners of an older Dodge Durango may opt for liability-only coverage which costs around $577 a year or $48 a month.

Good drivers can save up to $594 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Dodge Durango insurance rates, safety features, 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 auto 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 Chevrolet Tahoe, Toyota Highlander, and Nissan Pathfinder.

Vehicle Comprehensive Collision Liability Total
Dodge Durango $348 $562 $372 $1,440
Chevrolet Tahoe $336 $532 $372 $1,398
Toyota Highlander $332 $512 $390 $1,392
Nissan Pathfinder $294 $452 $390 $1,294
Kia Sorento $322 $562 $372 $1,414
Chevrolet Suburban $336 $532 $372 $1,398
Jeep Grand Cherokee $322 $562 $372 $1,414
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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?

You might have noticed that there is a multitude of factors that impact Dodge Durango car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Dodge Durango.

Age of the Vehicle

The average Dodge Durango auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Dodge Durango cost $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 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 car insurance with violations on their driving record.

Dodge Durango Safety Ratings

Your Dodge Durango auto insurance rates are influenced by the Dodge Durango’s safety ratings. 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

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
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Dodge Durango Safety Features

The safety features of the Dodge Durango can impact your Dodge Durango car insurance rates. The 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 ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Dodge Durango, others are more favorable and lead to lower 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
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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 auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Dodge Durango Insurance

You can save more money on your Dodge Durango auto insurance rates by employing any of the following five strategies.

  • Park Your Dodge Durango Somewhere Safe – like a Garage or Private Driveway
  • Take a Refresher Course as an Older Driver
  • Get Cheaper Dodge Durango Car Insurance Rates as a Full-Time Parent
  • Consider Dodge Durango Insurance Costs Before Buying a Dodge Durango
  • Ask About Dodge Durango Discounts If You Were Listed on Someone Else’s Policy

Top Dodge Durango Insurance Companies

Who is the best 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 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

To start comparing Dodge Durango car insurance quotes for free, use our online car insurance comparison tool.

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