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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average cost to insure a Dodge Durango is $153 per month, which is slightly cheaper than the national average for all cars, at $166.
USAA offers the lowest rate, at $76 per month, followed by State Farm, at $90 per month.
Higher-horsepower models can increase premiums, but the Durango’s low starting MSRP helps keep insurance rates competitive for an SUV of this size.
The coverage you choose influences the cost of your car insurance. Liability-only insurance (minimum coverage) typically costs the least. But its key components — bodily injury liability and property damage liability — pay for only the damages you cause to others, and only up to your insurance coverage limits.
Full-coverage car insurance protects your vehicle. It includes collision insurance, which pays to repair your car after an at-fault accident, and comprehensive coverage for non-collision events like theft, vandalism, or hail.
Here’s how Dodge Durango rates differ based on policy type and how they compare to national averages, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Dodge Durango | $106 | $199 | $153 |
| All vehicles | $116 | $216 | $166 |
Rates for the Durango are cheaper than average, at $153 per month. Drivers pay $106 for liability-only coverage and $199 for full coverage. While comparing rates is the best way to avoid overpaying for insurance, many factors influence your policy cost.
Comparing personalized quotes is the only way to find the best coverage.
Insurance costs for the same vehicle vary widely because insurance companies use different risk assessments and pricing models. The table below shows the cheapest insurers for the Dodge Durango, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $76 |
| State Farm | $90 |
| Allstate | $101 |
| GEICO | $112 |
| American Family | $116 |
| Progressive | $135 |
| Nationwide | $140 |
| Travelers | $147 |
| Farmers | $177 |
| Liberty Mutual | $223 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Proving that you don’t have to sacrifice service for price, USAA regularly performs at the top of the industry in terms of customer service and claims satisfaction, according to J.D. Power. You can save even more — up to 30% — with the SafePilot program, while getting discounts on travel, rental cars, and more with the USAA Perks program.
Excellent customer and claims satisfaction
Highly rated mobile app
Available only to military members and veterans
No diminishing deductible
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers fewer coverage options than some competitors, but it makes up for it with personalized service from its 19,000 agents. The company also has a highly rated mobile app that lets you self-manage your policy.
Strong customer service ratings in most regions
Above-average claims satisfaction
Gap insurance not available
Accident forgiveness not available
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
With its low rates and various coverage options, Allstate offers good value to Durango drivers. You can save more by signing up for the company’s Drivewise telematics program or the pay-per-mile program, Milewise. Despite below-average ratings in many regions, the company earns high marks for customer satisfaction in Florida and New England, according to J.D. Power.
Usage-based program gets high marks
Available accident forgiveness
Below-average claims satisfaction rating
Low customer satisfaction in most regions
As each state has different insurance laws and coverage requirements, your location influences your car insurance costs. Additionally, local climate, claim rates, and crime rates also affect insurance pricing. The map below shows the average Dodge Durango auto insurance rates in each state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $139 |
| Alaska | $137 |
| Arizona | $169 |
| Arkansas | $173 |
| California | $217 |
| Colorado | $212 |
| Connecticut | $278 |
| Delaware | $254 |
| Florida | $220 |
| Georgia | $266 |
| Hawaii | $139 |
| Idaho | $109 |
| Illinois | $159 |
| Indiana | $138 |
| Iowa | $109 |
| Kansas | $156 |
| Kentucky | $199 |
| Louisiana | $210 |
| Maine | $156 |
| Maryland | $303 |
| Massachusetts | $154 |
| Michigan | $227 |
| Minnesota | $175 |
| Mississippi | $147 |
| Missouri | $186 |
| Montana | $152 |
| Nebraska | $149 |
| Nevada | $257 |
| New Hampshire | $91 |
| New Jersey | $268 |
| New Mexico | $148 |
| New York | $198 |
| North Carolina | $94 |
| North Dakota | $124 |
| Ohio | $127 |
| Oklahoma | $181 |
| Oregon | $151 |
| Pennsylvania | $167 |
| Rhode Island | $233 |
| South Carolina | $249 |
| South Dakota | $147 |
| Tennessee | $142 |
| Texas | $229 |
| Utah | $154 |
| Vermont | $156 |
| Virginia | $190 |
| Washington | $177 |
| Washington D.C. | $331 |
| West Virginia | $158 |
| Wisconsin | $122 |
| Wyoming | $108 |
State | Average Monthly Premium |
|---|---|
| California | $217 |
Compare quotes for your Dodge Durango, starting at $76 per month.
Insurers consider your age when determining insurance premiums because it’s a significant indicator of risk. Teens and younger drivers pay more due to inexperience behind the wheel.[1] Insurance premiums typically decrease as you age, hitting lifetime lows when you reach your 60s.
The table below shows average insurance rates for teens, adults, and seniors, based on Compare.com data. Note how Durango insurance rates decrease dramatically once drivers reach adulthood and drop even lower for seniors.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $295 |
| Adults | $145 |
| Seniors | $130 |
Teen drivers typically have the highest insurance premiums, with drivers younger than 25 not far behind. Drivers in this age group are more likely to get into a car accident, speed, or drive while distracted.[2] Even so, some insurance companies offer more affordable policies than others.
The following insurers offer the cheapest monthly premiums on average for teens and young Durango drivers, according to Compare.com data.
Because senior drivers have the most experience on the road and drive fewer miles than other age groups, they’re involved in fewer fatal car accidents.[3] They also have the cheapest auto insurance rates. Despite those already low rates, some insurers offer even better deals to this group.
The table below shows the companies with the lowest average monthly rates for senior Durango owners, according to Compare.com data.
Your driving history also plays a significant role in determining your Dodge Durango insurance costs. Insurers look at how you’ve driven in the past to assess your risk of making a claim.
If you have moving violations, like speeding tickets, an at-fault accident, or a driving under the influence (DUI) conviction, insurers view you as a higher risk.[4] Being a good driver with a clean record usually means lower premiums.
The table below shows average monthly premiums by driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $153 |
| Speeding ticket | $204 |
| At-fault accident | $218 |
| DUI | $246 |
While a speeding ticket may not seem like a big deal, it can raise your insurance rates for years. That’s because speeding accounts for a significant portion of crash-related traffic deaths — around 29% in 2023.[5] Even so, you can still find affordable rates by shopping around and comparing prices.
The following chart lists the cheapest insurers for Durango drivers with a speeding ticket, according to Compare.com data.
A single at-fault accident increases your risk of a second at-fault accident by as much as 88%. This increased risk translates into higher insurance costs for about three years.[6] But several insurers offer cheaper-than-average rates if you have an at-fault accident on your record.
The chart below highlights the companies with the lowest rates for Durango drivers with an at-fault accident, according to Compare.com data.
A DUI conviction results in some of the most significant premium increases because it demonstrates high-risk driving behavior. More than 12,000 people died in alcohol-related traffic accidents in 2023.[7] Alcohol causes a large share of crash-related fatalities, and studies show that people who drink and drive are likely to drive under the influence again.
That said, some insurers offer more affordable coverage to drivers with a DUI. The chart below shows the average monthly premiums for Durango drivers with a DUI, according to Compare.com data.
Your vehicle’s details and specifications can also affect your premiums. The factors below contribute to how insurers determine the Durango’s rates:
With a starting MSRP of just less than $41,000, a new Dodge Durango costs less than the average new vehicle.[8] This lower price can mean lower insurance rates, although more expensive trims — like the SXT Plus, Citadel, and SRT Hellcat — typically come with higher insurance costs.
The Durango has higher-than-average horsepower, which increases the risk of speeding and may lead to higher insurance premiums.
The Durango consistently receives a 4-star National Highway Traffic Safety Administration (NHTSA) safety rating.[9] Along with brake assist and blind-spot monitoring, some Durangos also have forward-collision warning and a lane-departure warning. These features may contribute to lower insurance rates.
Large vehicles pose a greater threat to pedestrians, but they offer better protection to passengers, which may lead to lower insurance rates.[10]
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Below are some of the best tried-and-true ways to lower your Dodge Durango car insurance costs.
Increase deductibles. Raising your deductibles usually results in lower car insurance costs, but you’ll have to pay the difference out of pocket.
Leverage multi-policy discounts. Bundling homeowners, renters, or life insurance with your car insurance policy often earns you one of the best car insurance discounts available.
Drop optional coverage. You can lower costs by removing extras such as gap insurance, comprehensive, or collision coverage when your car is older and not worth as much.
Drive safely. Maintaining a clean driving record is the best way to keep your insurance premiums low.
Get quotes. Comparing policies and car insurance quotes from several insurance companies each time your policy renews ensures you never miss a chance to save.
Liability insurance runs an average of $81 per month, while full coverage will cost you around $154. The cost of car insurance for the Dodge Durango is about on par with the average SUV.
The only way to make sure you're getting the cheapest price on auto insurance is to regularly shop around and compare quotes from a whole range of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from multiple carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.
You've probably heard the old adage that it costs more to insure a red car, but that's actually a myth. There are several variables insurance companies look at when they calculate your prices, but the color of your Dodge Durango is not used to make that determination.
Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have an insurance policy in place. Some dealerships might offer you a car insurance policy as part of the car-buying process, but it's best to let your auto insurance company know before you buy.
There are all sorts of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your Durango and more on you, but if your Durango has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about their discounts, since they differ quite a bit from company to company.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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