Dodge Durango Car Insurance Cost 2025
The average cost to insure a Dodge Durango is $1,728 per year. However, your actual insurance premium may vary depending on factors like your age, the model year of your vehicle, and other individual details. You can use our quote tables below to get an estimate specific to your situation.
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If you’re thinking about buying a Dodge Durango, you’ll need to consider the insurance costs as a crucial factor. Insurance plays a vital role in owning a car, and it’s essential to understand its implications before making your purchase. On average, insurance for a Dodge Durango cost $1,728 per year.
Choosing the right car insurance is important to avoid unexpected and potentially high expenses in the future. It’s essential to have adequate coverage in case of accidents, ensuring you won’t face significant out-of-pocket costs. Additionally, being prepared for potential premium increases if you’re at fault in an accident is crucial.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors such as your age, driving history, and even your location can significantly impact your insurance premiums.
How Much Does A Dodge Durango Car Insurance Cost?
On average, Dodge Durango drivers can expect to pay around $1,728 per year for car insurance.
It’s important to understand that the cost of car insurance can vary significantly based on various factors. These include your location, driving history, the model year of your vehicle, and the specific coverage options you choose. Maintaining a clean driving record can help lower your premiums, while a history of accidents or traffic violations may lead to higher costs.
Living in an urban area with heavy traffic can result in higher insurance rates compared to rural areas with less traffic. Additionally, the type of coverage you select will impact your premium—comprehensive insurance, which covers both comprehensive and collision, typically costs more than minimum liability coverage.
As shown in the table below, the insurance cost for a Dodge Charger is lower compared to the average cost for all Dodge models, and it’s also cheaper than the average cost for all cars.
Insuranceopedia is here to help you compare quotes from various auto insurance providers, ensuring you find the best deal that suits your needs.
| Vehicle | Average Monthly Premium |
| Dodge Charger | $151 |
| All Dodges | $186 |
| All Cars | $175 |
Average Insurance Cost Of Dodge Durango By Model Year
| Model Year | Average Premium |
| 2024 Dodge Durango | $915 |
| 2023 Dodge Durango | $1,281 |
| 2022 Dodge Durango | $763 |
| 2021 Dodge Durango | $676 |
| 2020 Dodge Durango | $692 |
| 2019 Dodge Durango | $816 |
| 2018 Dodge Durango | $915 |
| 2017 Dodge Durango | $746 |
| 2016 Dodge Durango | $693 |
| 2015 Dodge Durango | $693 |
| 2014 Dodge Durango | $617 |
| 2013 Dodge Durango | $572 |
| 2012 Dodge Durango | $656 |
| 2011 Dodge Durango | $571 |
2024 Dodge Durango Insurance Rates
The average annual insurance cost for a 2024 Dodge Durango is $915. However, Safeco offers the cheapest rates, averaging $626 per year.
| Insurance Provider | Average Annual Cost |
| Motorists Mutual | $936 |
| Grange Mutual | $779 |
| Ohio Mutual Ins Group | $1,198 |
| Buckeye Insurance Group | $753 |
| Cincinnati Insurance | $933 |
| Frankenmuth Mutual | $1,085 |
| Westfield | $1,181 |
| Safeco | $626 |
| Hastings Mutual Insurance Co | $646 |
| Western Reserve | $1,010 |
2023 Dodge Durango Insurance Rates
The average annual insurance cost for a 2023 Dodge Durango is $1,281. However, Dairyland offers the cheapest rates, averaging $261 per year.
| Insurance Provider | Average Annual Cost |
| 21st Century | $1,697 |
| SECURA Insurance | $1,335 |
| Southern Farm Bureau | $1,690 |
| NatGen Advantage | $1,215 |
| Direct Auto | $1,471 |
| PEMCO | $1,593 |
| Kemper Auto | Infinity | $1,026 |
| California Capital | $1,736 |
| Safeco | $783 |
| Dairyland | $261 |
2022 Dodge Durango Insurance Rates
The average annual insurance cost for a 2022 Dodge Durango is $763. However, Jupiter Auto Insurance offers the cheapest rates, averaging $360 per year.
| Insurance Provider | Average Annual Cost |
| Mutual Of Enumclaw | $1,061 |
| Oregon Mutual | $846 |
| SafeAuto | $966 |
| NatGen PPA | $833 |
| Jupiter Auto Insurance | $360 |
| Safeco | $377 |
| Tennessee Farmers | $788 |
| PEMCO | $914 |
| AssuranceAmerica Mobile Max | $916 |
| Virginia Farm Bureau | $947 |
2021 Dodge Durango Insurance Rates
The average annual insurance cost for a 2021 Dodge Durango is $676. However, American National P offers the cheapest rates, averaging $612 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $612 |
| Concord Group | $1,024 |
| Pekin Insurance | $816 |
| Victoria | $249 |
| NatGen Advantage | $503 |
| NatGen Value | $480 |
| Union Mutual Fire Group | $663 |
| NatGen PPA | $939 |
| Safeco | $348 |
| Buckeye Insurance Group | $1,123 |
2020 Dodge Durango Insurance Rates
The average annual insurance cost for a 2020 Dodge Durango is $692. However, Jupiter Auto Insurance offers the cheapest rates, averaging $47 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $756 |
| Plymouth Rock Assurance | $965 |
| Jupiter Auto Insurance | $47 |
| Safeco | $311 |
| Buckeye Insurance Group | $944 |
| Norfolk and Dedham Group | $949 |
| AssuranceAmerica Mobile Max | $442 |
| SafeAuto | $924 |
| American National P | $566 |
| Kemper Auto | Infinity | $1,039 |
2019 Dodge Durango Insurance Rates
The average annual insurance cost for a 2019 Dodge Durango is $816. However, Safeco offers the cheapest rates, averaging $413 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $553 |
| Concord Group | $1,122 |
| PEMCO | $990 |
| Texas Farm Bureau Group | $1,110 |
| Safeco | $413 |
| AssuranceAmerica Mobile Max | $604 |
| Mercury Insurance | $334 |
| Capital Insurance Group | $1,047 |
| North Carolina Farm Bureau | $1,025 |
| Indiana Farmers Mutual Ins | $963 |
2018 Dodge Durango Insurance Rates
The average annual insurance cost for a 2018 Dodge Durango is $915. However, Safeco offers the cheapest rates, averaging $178 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $670 |
| Kemper Personal Insurance | $599 |
| Tennessee Farmers | $1,337 |
| PEMCO | $1,124 |
| Concord Group | $1,189 |
| MMG Insurance Company | $977 |
| Mercury Insurance | $968 |
| Victoria | $954 |
| Safeco | $178 |
| Commerce Group Inc | $1,152 |
2017 Dodge Durango Insurance Rates
The average annual insurance cost for a 2017 Dodge Durango is $746. However, Mercury Insurance offers the cheapest rates, averaging $163 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $800 |
| Utica National Ins Group | $957 |
| Concord Group | $1,060 |
| Mercury Insurance | $163 |
| Union Mutual Fire Group | $824 |
| American National P | $653 |
| Virginia Farm Bureau | $840 |
| Safeco | $290 |
| SECURA Insurance | $945 |
| North Carolina Farm Bureau | $929 |
2016 Dodge Durango Insurance Rates
The average annual insurance cost for a 2016 Dodge Durango is $693. However, Kemper Auto offers the cheapest rates, averaging $205 per year.
| Insurance Provider | Average Annual Cost |
| Rural Mutual Insurance | $909 |
| Safeco | $353 |
| Utica National Ins Group | $799 |
| Kemper Auto | $205 |
| Clearcover | $633 |
| SECURA Insurance | $809 |
| Mercury Insurance | $610 |
| Texas Farm Bureau Group | $949 |
| American National P | $754 |
| Rockford Mutual Insurance | $912 |
2015 Dodge Durango Insurance Rates
The average annual insurance cost for a 2015 Dodge Durango is $693. However, Safeco offers the cheapest rates, averaging $176 per year.
| Insurance Provider | Average Annual Cost |
| IMT Insurance Company | $956 |
| Virginia Farm Bureau | $895 |
| Mercury Insurance | $492 |
| Buckeye Insurance Group | $823 |
| Kemper Auto | Infinity | $662 |
| NatGen Custom 360 | $882 |
| Safeco | $176 |
| Dairyland Broadform | $883 |
| American National P | $828 |
| Infinity Special | $333 |
2014 Dodge Durango Insurance Rates
The average annual insurance cost for a 2014 Dodge Durango is $617. However, Safeco offers the cheapest rates, averaging $85 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $765 |
| North Carolina Farm Bureau | $751 |
| Tennessee Farmers | $825 |
| Utica National Ins Group | $635 |
| NatGen Custom 360 | $137 |
| Mercury Insurance | $826 |
| Safeco | $85 |
| American National P | $476 |
| PEMCO | $883 |
| SECURA Insurance | $790 |
2013 Dodge Durango Insurance Rates
The average annual insurance cost for a 2013 Dodge Durango is $572. However, Safeco offers the cheapest rates, averaging $79 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $854 |
| Kemper Personal Insurance | $571 |
| SECURA Insurance | $802 |
| Countryway Insurance | $815 |
| Mercury Insurance | $331 |
| Concord Group | $643 |
| Safeco | $79 |
| AssuranceAmerica Mobile Max | $271 |
| Utica National Ins Group | $629 |
| PEMCO | $728 |
2012 Dodge Durango Insurance Rates
The average annual insurance cost for a 2012 Dodge Durango is $656. However, Safeco offers the cheapest rates, averaging $31 per year.
| Insurance Provider | Average Annual Cost |
| Oklahoma Farmers Union | $965 |
| Safeco | $31 |
| Kemper Auto | $268 |
| North Star | $961 |
| National General RAD | $695 |
| Tennessee Farmers | $922 |
| AssuranceAmerica Mobile Max | $704 |
| Mercury Insurance | $436 |
| NatGen Value | $660 |
| Virginia Farm Bureau | $922 |
2011 Dodge Durango Insurance Rates
The average annual insurance cost for a 2011 Dodge Durango is $571. However, Safeco offers the cheapest rates, averaging $221 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $736 |
| Safeco | $221 |
| MMG Insurance Company | $733 |
| Countryway Insurance | $689 |
| Mississippi Farm Bureau | $763 |
| Mercury Insurance | $268 |
| Dairyland Broadform | $431 |
| Concord Group | $628 |
| North Carolina Farm Bureau | $683 |
| American National P | $553 |
Find Affordable Dodge Durango Insurance Rates
Is A Dodge Durango Expensive To Insure?
The cost to insure a Dodge Durango is lower than the average for all cars. However, the actual amount you’ll pay for insurance can vary based on factors like your age, the vehicle’s model year, your location, and other individual circumstances.
Cost of Dodge Durango Car Insurance By Age
Age plays a significant role in determining car insurance rates for any vehicle. Teen drivers typically face the highest premiums because they are statistically more likely to be involved in accidents compared to other age groups. As you get older and demonstrate safer driving habits, your premiums tend to decrease, making you a lower risk to insure.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,100 | $11,893 | $13,977 |
| 18 | $7,558 | $11,098 | $13,026 |
| 19 | $6,693 | $9,852 | $11,480 |
| 20 | $5,818 | $8,604 | $10,025 |
| 21 | $4,937 | $7,204 | $8,429 |
| 22 | $4,805 | $7,033 | $8,202 |
| 23 | $4,124 | $6,136 | $7,192 |
| 24 | $3,951 | $5,772 | $6,850 |
| 25 | $3,401 | $5,012 | $5,862 |
| 30 | $2,647 | $3,925 | $4,552 |
| 35 | $2,500 | $3,686 | $4,280 |
| 40 | $2,353 | $3,528 | $4,152 |
| 45 | $2,316 | $3,407 | $4,014 |
| 55 | $2,166 | $3,098 | $3,667 |
| 65 | $2,254 | $3,261 | $3,796 |
| 75 | $2,860 | $4,136 | $4,865 |
Dodge Durango Car Insurance Rates By State
Where you live significantly impacts how insurance companies determine rates. Each state regulates its own auto insurance, meaning factors like Michigan’s higher coverage requirements lead to higher premiums. Additionally, different regions have unique climates, such as areas prone to hurricanes, storms, and flooding.
Moreover, each location has its own statistics on crime and auto accidents, including car thefts, crashes, and vehicle fatality rates. Insurance providers take all of these elements into account when calculating your specific Dodge Durango insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,568 | $3,679 | $4,684 |
| Alaska | $2,068 | $2,899 | $2,796 |
| Arizona | $2,353 | $3,446 | $5,021 |
| Arkansas | $2,612 | $4,099 | $4,496 |
| California | $2,870 | $5,079 | $2,864 |
| Colorado | $2,687 | $3,769 | $4,821 |
| Connecticut | $3,435 | $5,344 | $6,791 |
| Delaware | $2,840 | $3,846 | $4,943 |
| Florida | $3,358 | $4,669 | $6,150 |
| Georgia | $2,746 | $4,137 | $4,181 |
| Hawaii | $1,146 | $1,474 | $1,104 |
| Idaho | $1,960 | $2,543 | $3,117 |
| Illinois | $2,041 | $3,061 | $3,495 |
| Indiana | $2,068 | $3,190 | $3,514 |
| Iowa | $1,685 | $2,211 | $2,603 |
| Kansas | $2,188 | $3,223 | $3,748 |
| Kentucky | $3,110 | $4,681 | $5,429 |
| Louisiana | $4,017 | $6,170 | $6,658 |
| Maine | $1,537 | $2,122 | $3,155 |
| Maryland | $2,515 | $3,581 | $4,042 |
| Massachusetts | $1,986 | $3,495 | $2,025 |
| Michigan | $4,771 | $7,351 | $11,499 |
| Minnesota | $1,999 | $2,649 | $3,746 |
| Mississippi | $2,360 | $3,399 | $3,427 |
| Missouri | $2,224 | $3,259 | $4,212 |
| Montana | $2,274 | $3,221 | $3,761 |
| Nebraska | $1,942 | $2,848 | $3,146 |
| Nevada | $3,217 | $4,738 | $4,965 |
| New Hampshire | $2,212 | $3,497 | $4,435 |
| New Jersey | $2,452 | $3,845 | $5,062 |
| New Mexico | $2,446 | $3,720 | $3,882 |
| New York | $2,269 | $2,909 | $4,898 |
| North Carolina | $1,385 | $2,503 | $1,717 |
| North Dakota | $1,935 | $2,982 | $3,541 |
| Ohio | $1,711 | $2,701 | $2,792 |
| Oklahoma | $2,804 | $3,959 | $4,488 |
| Oregon | $2,555 | $3,428 | $4,029 |
| Pennsylvania | $2,098 | $3,154 | $3,687 |
| Rhode Island | $3,572 | $5,203 | $5,909 |
| South Carolina | $2,419 | $3,316 | $4,626 |
| South Dakota | $2,210 | $3,166 | $3,604 |
| Tennessee | $2,597 | $3,742 | $5,005 |
| Texas | $2,554 | $3,748 | $4,598 |
| Utah | $2,162 | $3,074 | $4,272 |
| Vermont | $1,655 | $2,602 | $2,759 |
| Virginia | $1,574 | $2,417 | $2,396 |
| Washington | $2,147 | $2,877 | $3,397 |
| West Virginia | $2,073 | $3,067 | $3,757 |
| Wisconsin | $2,077 | $3,290 | $3,786 |
| Wyoming | $1,949 | $2,786 | $2,904 |
Cheapest Car Insurance Companies For A Dodge Durango
If you’re looking to purchase a new car insurance policy for your Dodge Durango, you might want to know which companies offer the cheapest rates. For drivers seeking the most affordable option, Nationwide offers a premium of just $18 per month, making them the cheapest provider for a Dodge Durango. However, rates can vary based on your individual driver profile, so this rate serves as an average. To find the best deal for your specific needs, it’s best to shop around and compare quotes.
| Company | Average Monthly Rate |
| Nationwide | $27 |
| FirstChicago | $41 |
| Shelter Mutual | $42 |
| AnswerFinancial | $48 |
| Aspire | $43 |
Common Dodge Durango Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider offers different discounts, here are some common ones you may be eligible for:
- Multi-policy: Bundle your home and auto insurance policies with the same provider to receive a discounted rate.
- Pay annually: Paying your premium all at once, instead of monthly, can often save you money.
- Defensive driving: Completing defensive driving courses through a certified institution may qualify you for reduced rates.
There may be other discounts available as well. It’s a good idea to speak with your insurance agent, as they can help you identify which discounts you are eligible for.
Ways To Save On Dodge Durango Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Dodge Durango insurance costs down. A speeding ticket or involvement in an accident can lead to higher premiums.
Dodge Durango drivers with a ticket can expect to pay around $101 per month, while those with multiple accidents may pay an average of $145 per month. By avoiding these incidents, you can keep your insurance costs lower.
Additionally, drivers who cover low annual mileage tend to pay less for insurance. Since fewer miles driven means fewer chances of accidents, insurers consider these drivers as lower risk.
For example, Dodge Durango drivers who drive between 5,000 and 7,500 miles per year will pay around $85 per month for car insurance. In contrast, those driving over 10,000 miles per year will typically pay around $90 per month.
Compare Dodge Durango To Other Dodge Models
Looking for other Dodge model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia has aggregated thousands of quotes from leading auto insurance providers. The sample profile used was that of a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, keep in mind that these figures may vary based on your specific circumstances and driver profile.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Dodge Durango?
Yes, you will need to provide proof of insurance before driving your Dodge Durango off the dealership lot. The best approach is to purchase a policy in advance and notify your insurance company that you are about to buy the car. This way, you can ensure you have coverage before taking ownership, instead of relying on insurance offered through the dealership.
How Can You Get The Cheapest Insurance For Your Dodge Durango?
The best way to find the most affordable rates for your Dodge Durango is by shopping around and comparing quotes from various auto insurance providers. Luckily, Insuranceopedia makes it easy by allowing you to compare quotes from multiple companies directly on our website.
