Dodge Durango Car Insurance Cost 2025
The average cost to insure a Dodge Durango is $1,500 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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Insuring a 2025 Dodge Durango typically costs between $1,500 and $2,685 annually, depending on various factors such as the model year, trim level, and individual driver profile. For instance, CarEdge estimates an average annual premium of $2,452, while Bankrate suggests a figure around $2,685.
Conversely, Moneymow reports a lower average cost of approximately $1,500 per year. These variations highlight the importance of considering personal factors like driving history, location, and chosen coverage options when determining insurance costs.
Overall, the Dodge Durango’s insurance rates are generally in line with national averages for SUVs, making it a competitively priced option in its class.
How Much Does Dodge Durango Car Insurance Cost?
On average, Dodge Durango drivers can expect to pay around $1,500 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 |
| 2025 Dodge Durango | $2,169 |
| 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 |
2025 Dodge Durango Insurance Rates
The average annual insurance cost for a 2025 Dodge Durango is $2,169. However, Moneymow offers the cheapest rates, averaging $1,500 per year.
| Insurance Provider | Average Annual Cost |
| Farmers Insurance | $2,610 |
| Progressive | $2,080 |
| Allstate | $3,130 |
| Nationwide | $1,970 |
| Geico | $1,860 |
| State Farm | $1,670 |
| The Zebra | $1,728 |
| CarEdge | $2,452 |
| Bankrate | $2,685 |
| Moneymow | $1,500 |
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
Are Dodge Durangos Expensive To Insure?
The Dodge Durango’s insurance costs are generally moderate, aligning closely with the national average for similar SUVs. On average, full coverage for a 2025 Durango is estimated at approximately $2,452 annually, though this can vary based on factors like driving history, location, and credit score . The vehicle’s robust build and available safety features can contribute to reasonable premiums, but higher trims or performance models may incur increased rates due to elevated repair costs. Additionally, the Durango’s safety ratings, which range from “good” to “poor,” can influence insurance expenses . Overall, while not the cheapest to insure, the Durango doesn’t typically carry exorbitant insurance costs.
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
Among the most affordable options for insuring a Dodge Durango, Nationwide stands out with an estimated annual premium of around $1,260, which works out to about $105 per month. Dairyland follows closely, offering coverage for approximately $1,215 per year, or $101 monthly, especially appealing to drivers with less-than-perfect records. Safeco, a part of Liberty Mutual, provides insurance for about $1,290 annually, translating to $108 each month. Aspire also offers competitive rates, with policies estimated at $1,275 per year, or roughly $106 per month. Lastly, Shelter Mutual provides coverage at approximately $1,245 annually, making the monthly cost around $104. These figures are based on general profiles and can vary depending on factors like location, driving history, and the coverage levels selected. It’s always a good idea to shop around and get personalized quotes to find the best deal for your specific needs.
| Company | Average Monthly Rate |
| Nationwide | $105 |
| Dairyland | $100 |
| Safeco | $108 |
| Aspire | $106 |
| Shelter Mutual | $105 |
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.
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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.
