Dodge Durango Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Dodge Durango costs about the same as insuring the average SUV.
• Liability only auto insurance rates for a Durango run about $81 monthly, while full coverage usually runs around $154.
• AnchorGeneral is the most affordable car insurance carrier for a Durango.

---

---

Durango Overview

With 2022 models starting at $41,075, the Dodge Durango is a great budget-friendly SUV for drivers of all types. You'll have your choice of five different trim levels, so there's something there for every driver.

We ran through thousands of insurance quotes on Compare.com, and we've found that Dodge Durango auto insurance premiums average out to about $175 per month. But how does that compare to other SUVs on the market?

How Much is Car Insurance for a Dodge Durango?

You'll see in the table above that Dodge Durango insurance prices are right around average compared to other vehicles on the road. On average, Durango drivers can expect to pay about $154 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $81 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

When you compare it to other models, the Durango is more affordable, with rates around 14% lower than the other vehicle types offered by Dodge. But compared to other vehicles of a similar body style, Durango coverage is above average, with both full coverage and liability only insurance averaging more expensive prices than other SUVs.

Compared to all vehicles of any body type, the Durango has more expensive premiums than average for both full coverage and liability only car insurance.

---

---

Who has the Cheapest Car Insurance for a Dodge Durango?

Searching for a car insurance policy for your Dodge Durango? You're probably wondering which company offers the most affordable prices. Although there will never be one carrier that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $27 a month from Nationwide. With car insurance as little as just $33 per month, Shelter Mutual is the next cheapest insurance company.

Completing the top 5 companies are Aspire, FirstChicago, and AnswerFinancial. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, auto insurance companies look at lots of different things when calculating rates, so your results might be different. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from a bunch of insurance carriers.

---

---

What Factors Affect Car Insurance Rates for a Dodge Durango?

There are a variety of attributes that car insurance companies examine to determine how much they charge for insurance -- and every carrier uses a different method, so there's not one company that's the most affordable for everyone.

Keep reading to learn which factors auto insurance carriers look at and how they affect your final rate:

Vehicle Age

The Dodge Durango has been around for a while, so vehicle age will likely make a difference in what you end up paying for car insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Durangos begin to depreciate, insurance costs will gradually go lower.

Based on the information in the table above, the Dodge Durango follows this trend, as the cheapest models to insure are those that are 15 years old or more, while the most expensive models are Durangos that are 6 to 7 years old, on average.

Your Age

Age is another variable that plays a big role in how much you pay for auto insurance. Based on the information in the table above, those with more experience pay less compared to the youngest Durango drivers. Dodge Durango drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Durango.

Your Gender

Because women are less likely to get tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, women tend to get cheaper rates than men. When it comes to Durango drivers specifically, women pay about $79 a month for insurance and men pay around $84.

Where You Live

You might think it's common sense that variables such as what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live can be equally important? Because insurance is regulated at the state level, rates vary quite a bit depending on what state you reside in.

For example, the average Dodge Durango owner from New York pays about $173 monthly for liability coverage. Meanwhile, on average, the same Californian driver will pay less than 50% of that price. The table above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change across states.

---

---

Dodge Durango Car Insurance Discounts

No matter which vehicle you drive, what state you call home, or how old you are, using as many discounts as possible when it comes to your auto insurance policy is always the smart move.

While no two car insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for choosing to pay your entire policy price up front, rather than in monthly installments
• Multi-vehicle discounts for adding more than one car to your auto policy

These discounts are great, but sometimes the best way to save is just by having a profile that looks good to auto insurance companies.

Although you can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), there is quite a bit that you do have control over. Below are just a few of the ones you can use to your favor when it comes to saving money:

Your Driving Record

You've almost certainly noticed ads from car insurance carriers promoting large savings for good drivers. And you probably wouldn't be surprised that if you get tickets or get into a collision, auto insurance prices will go higher. But exactly how much can these infractions cost you?

Looking at the table above, you'll see that accidents will usually cost Durango drivers more than tickets, but both will result in higher than normal rates. Dodge Durango drivers with one accident on their record pay an average of $105 each month (up $24 from the $81/mo. overall average), while drivers with a single ticket will pay about $91 per month. The rates only increase the more accidents you have or tickets you get.

How Much You Drive

Another factor you have control over is the total amount of miles you drive. Drivers who are on the roads less are less likely to get into collisions, so they'll generally end up paying less for insurance. Based on the table above, you can see that Dodge Durango owners who drive fewer than 2,500 miles a year pay about $73 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $83.

If you don't use your Dodge Durango to travel or commute regularly, you might consider getting a usage-based or pay-per-mile insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

---

---

How Do Dodge Durangos Compare to Other Vehicles?

If you're considering buying a Dodge Durango, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the Dodge Durango compares:

Overall, the Dodge Durango has an average MSRP and is in line with the going rate for a new vehicle. The national average vehicle price is $46,192, and the Durango comes in close to that at $41,075.

Full coverage insurance for a Dodge Durango is around $113 per month more than average, while liability only coverage is a month.

When it comes to usage, Dodge Durango drivers are pretty close to the national average in annual miles driven, with 11,439 miles every year compared to 11,617 for all vehicles.

Dodge Durango Car Insurance Costs by Model Year

So far, you've seen how different things affect how much the average driver pays for car insurance. But if you're considering buying a new vehicle and the Durango is one you're thinking about, having a good idea of how much you'll likely pay can be helpful as you consider your options.

Choose Your Model

2021 Dodge Durango Car Insurance 2020 Dodge Durango Car Insurance 2019 Dodge Durango Car Insurance 2018 Dodge Durango Car Insurance 2017 Dodge Durango Car Insurance 2016 Dodge Durango Car Insurance 2015 Dodge Durango Car Insurance 2014 Dodge Durango Car Insurance 2013 Dodge Durango Car Insurance 2012 Dodge Durango Car Insurance 2011 Dodge Durango Car Insurance

2021 Dodge Durango Car Insurance

The average cost to insure a 2021 Durango with liability only coverage is $81 per month, while full coverage runs about $201 a month.

If you're looking for the lowest possible 2021 Dodge Durango insurance policy, Aspire offered the lowest policy we found, with rates as little as $34 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

---

---

2020 Dodge Durango Car Insurance

It costs around $101 per month for liability or $201 for a full coverage policy for the 2020 Dodge Durango.

Looking for the most affordable policy? Clearcover offered liability only coverage for as cheap as just $44 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

---

---

2019 Dodge Durango Car Insurance

On average, drivers who own a 2019 Durango can expect to pay $117 to $169 monthly for liability only and full coverage insurance, respectively.

Liberty Mutual has prices sometimes as cheap as $35 per month for the 2019 Dodge Durango.

Want to know exactly how much you'll pay? Enter your ZIP code below to get lots of free customized quotes.

---

---

2018 Dodge Durango Car Insurance

2018 Dodge Durango drivers can expect to pay an average of $114 monthly for liability or $190 for full coverage.

With rates as low as just $27 per month, Nationwide offered the cheapest policy we found.

If you want to find the best premiums for car insurance for a 2018 Dodge Durango, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

---

---

2017 Dodge Durango Car Insurance

You can expect full coverage for a 2017 Durango to run about $183 a month, while liability only coverage will average around $117 monthly.

Liberty Mutual offered the most affordable policy we found, with rates as low as $27 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

---

---

2016 Dodge Durango Car Insurance

It costs about $99 a month for liability or $159 for a full coverage policy for the 2016 Dodge Durango.

We found MetroMile offered the cheapest policy, with rates as cheap as $35 monthly.

Want to find the lowest rates? Enter your ZIP code below to get multiple free personalized quotes.

---

---

2015 Dodge Durango Car Insurance

The average cost to insure a 2015 Durango with liability only coverage is $108 per month, while full coverage runs around $160 a month.

With rates sometimes as little as $17 monthly, MetroMile offered the most affordable policy we found for the 2015 Dodge Durango.

If you want to know exactly how much you can expect to pay for your Durango, just enter your ZIP code below and get several free quotes in minutes.

---

---

2014 Dodge Durango Car Insurance

You can expect full coverage for a 2014 Dodge Durango to run about $155 a month, while liability only coverage will average around $100 per month.

Looking for the cheapest policy? MetLife offered liability only coverage for sometimes as low as $18 a month.

If you want to know exactly how much you can expect to pay for your Durango, get free quotes in minutes by just entering your ZIP code below.

---

---

2013 Dodge Durango Car Insurance

2013 Durango drivers can expect to pay an average of $88 per month for liability or $155 for full coverage.

Safeco has prices as little as just $22 monthly for the 2013 Dodge Durango.

Want something more accurate than nationwide averages? Get several free personalized quotes by just entering your ZIP code below.

---

---

2012 Dodge Durango Car Insurance

On average, drivers who own a 2012 Dodge Durango can expect to pay $97 to $164 a month for liability only and full coverage auto insurance, respectively.

Workmens offered the lowest policy we found, with rates sometimes as cheap as $23 per month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

---

---

2011 Dodge Durango Car Insurance

You can expect full coverage for a 2011 Durango to run about $161 monthly, while liability only coverage will average around $104 a month.

We found AnswerFinancial offered the most affordable policy, with rates as cheap as just $22 monthly.

Interested in what your insurance premium will be? Get a variety of free customized quotes by just entering your ZIP code below.

---

---

Dodge Durango Insurance FAQs

Is a Dodge Durango expensive to insure?

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.

How can I get the best price on car insurance for my Dodge Durango?

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.

Does the color of my Dodge Durango affect my insurance rates?

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.

Do I need to have insurance before I buy a Dodge Durango?

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.

What car insurance discounts can I get for my Dodge Durango?

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.