Dodge Durango Insurance Rates

Need car insurance for your Dodge Durango but aren’t sure where to start? Searching for the right insurer and rate can take hours of work, and you still may not end up with the car insurance you want. Car insurance can be both expensive and confusing, so we are here to break things down for you.

Our guide to Dodge Durango insurance rates will go over prices by area, different coverage levels, car safety ratings, and more. Keep reading to learn more about saving on your car insurance.

Whether you are looking for a car insurance cost estimator for 2019 Dodge Durango insurance or an older model, we can help. Before you buy Dodge Durango car insurance make sure you shop around.

Want to start saving on Dodge Durango car insurance rates today? Enter your ZIP code in our free rate tool.

Estimated insurance rates for a Dodge Durango are $1,422 a year with full coverage. Comprehensive costs on average $332, collision insurance costs $542, and liability is $390. Liability-only insurance costs around $452 a year, and high-risk driver insurance costs around $3,056. Teenage drivers pay the most at up to $5,208 a year.

Average premium for full coverage: $1,422

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Durango trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details average Dodge Durango insurance rates for different risk profiles and scenarios.

• The best discount rate is $823
• Raising to $1,000 deductibles will save around $200 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,422
• Using more expensive low deductibles will increase the cost to $1,804
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,056
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $5,208

View Chart as Image

Insurance prices for a Dodge Durango also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Durango insurance prices. A middle-age driver might find prices as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,920 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $590 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Dodge Durango Insurance

Finding better rates on car insurance consists of having a decent driving record, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following items are a condensed summary of the primary concepts that were touched on in this article.

• You may be able to save as much as $170 per year just by shopping early and online
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,630 more each year than a driver with a clean driving record
• Increasing policy deductibles can save around $575 each year
• 16 to 18-year-old drivers pay higher prices, possibly costing $434 per month including comprehensive and collision insurance

If you get multiple quotes, you could save over $100 on insurance for your Dodge Durango. Just one more reason to start shopping around for a new insurer. How much does a 2011 Dodge Durango cost? Use our free tool below to find everything from the cost of a Dodge Durango 2011 to the cost of Durango RT insurance or Dodge Durango SRT insurance.

How does the size and class of the Dodge Durango affect liability rates?

Before we discuss how the size and class affect what you pay, we want to first establish what liability insurance covers. Most states require drivers to carry liability insurance, which is composed of two parts:

Bodily injury liability will pay for the other driver’s medical costs if you caused the accident.
Property damage liability will pay for the other driver’s property repairs if you caused the accident.

Since liability coverage pays for the other party’s accident costs, insurers will look at your vehicle type to determine rates. If you have a vehicle that can inflict a lot of damage on other vehicles, such as a large, heavy truck, you can expect to have higher liability rates. The plus side to this, of course, is that you will be better protected in a vehicle that inflicts damage rather than takes on the damage.

The Dodge Durango is a large SUV, which is one of the more solid vehicles on the market. Because it is a larger vehicle, we want to take a look at the Insurance Institute for Highway Safety’s (IIHS) data on 2016-2018 liability losses for the Dodge Durango. Let’s start with losses for bodily injury liability.

• Dodge Durango four-door: 3 percent (average)
• Dodge Durango four-door and 4WD: -2 percent (average)

The losses for the 4WD version of the Dodge Durango are slightly better, probably because 4WD gives drivers more traction and stability, which can help prevent crashes. However, losses for both vehicle models are good, as they are low. Next, let’s take a look at losses for property damage liability.

• Dodge Durango four-door: -3 percent (average)
• Dodge Durango four-door and 4WD: 3 percent (average)

Interestingly, the 4WD model has slightly worse losses this time than the model without 4WD. While the losses for both are good, you may pay slightly more for bodily injury liability if you have the 4WD model.

What does liability insurance cost for the Dodge Durango?

So exactly how much will you have to pay for your Dodge Durango’s liability insurance? We got a sample quote from Geico to show base Dodge Durango insurance costs, as well as how much it will cost to upgrade your liability insurance. Our sample quote is based on a 40-year-old male driver from Pennsylvania who has a bachelor’s degree, owns his car, and drives 13,000 miles a year. He also has a clean driving record and a $500 deductible.

The first set of rates is for bodily injury liability coverage for a 2021 Dodge Durango Citadel (one of the many versions of the Dodge Durango).

• Low ($15,000/$30,000): $46.36
• Medium ($100,000/$200,000): $95.02
• High ($500,000/$500,000): $152.96

It will cost you about $100 to upgrade from low to high coverage, which is about $16 a month. We do recommend getting the highest coverage level possible, as higher coverages better protect you from expensive bills and being sued after an accident. Below, take a look at what it will cost you to upgrade your property damage liability coverage.

• Low ($5,000): $463.16
• Medium ($20,000): $499.22
• High ($100,000): $525.57

The cost to upgrade from low to high coverage for property damage liability is only $62 ($10 a month). All in all, the cost to upgrade both your liability coverages will only be $26 a month, which isn’t too bad for a large SUV.

What are the safety features and ratings of the Dodge Durango?

Newer vehicles boast multiple safety features, from forward-collision warning cameras to anti-lock brakes. While these features are intended to attract customers, safety features are also appealing to insurers. The more safety features you have, the less likely you are to crash and file a claim. And if you do crash, safety features are made to help keep you safe (which means insurers will have to pay less on your medical bill claims).

So how many safety features does the Dodge Durango boast? According to AutoBlog.com, the safety features of the 2020 Dodge Durango include:

• Crash prevention: anti-lock brakes and stability control.
• Crash safety: front-impact airbags, side-impact airbags, overhead airbags, knee airbags, seatbelt pretensioners, and anti-whiplash headrests.
• Theft prevention: ignition disable device.

Anti-lock brakes and stability control are fairly standard in vehicles now, but the overhead and knee airbags aren’t in most cars. The extra protection provided in the Dodge Durango could earn you a discount on your vehicle insurance.

Insurers will also look at the safety rating of your vehicle to make sure you’ll be protected in a crash. If your vehicle has a poor safety rating, you may have to pay more for Personal Injury Protection (PIP) or Medpay. The IIHS’s crash testing on the 2020 Dodge Durango resulted in the following crashworthiness ratings:

• Small overlap front (driver-side): Marginal
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

With the exception of the small overlap front crash test on the driver-side, the rest of the crashworthiness tests ranked good (the highest rating). Watch the video below to see how the IIHS conducted its small overlap front crash(driver-side) test.

In addition to data from individual testing on vehicles, insurers may also look at the overall fatalities by vehicle type to determine what vehicles are the most dangerous (think of a two-door sports car compared to a minivan). The IIHS states that in 2018, driver deaths per million vehicles were as follows:

• SUVs: 23 fatalities
• Pickups: 34 fatalities
• Cars: 48 fatalities

SUVs have the lowest recorded deaths for drivers. The SUVs also have the lowest fatalities for all occupants:

• SUVs: 32 fatalities
• Pickups: 42 fatalities
• Cars: 69 fatalities

SUVs tend to be bigger and sturdier than pickups and cars, which could be why there are lower fatality rates for SUVs. It could also be because there are fewer SUV owners than car and pickup owners. Still, the data shows that SUVs have fewer fatalities, which can lower rates.

Take a look at the list below for further information on how the SUV performs in crashes.

• Frontal Impact: 2,784 fatalities
• Side Impact: 930 fatalities
• Rear Impact: 286 fatalities
• Other (mostly rollovers): 1,035 fatalities

The SUV had the most fatalities for frontal impact crashes and rollover crashes. However, its total fatalities (5,035) are still fewer than car fatalities (13,138), although slightly more than pickup fatalities (4,369).

Based on the Dodge Durango’s safety features, crash ratings, and SUV fatality rates, insurers should offer you at least a small discount based on safety.

Dodge Durango Crash Test Ratings

Good crash test ratings mean cheaper insurance rates.

Dodge Durango Crash Test Ratings

A few builds of the Dodge Durango have 3-star crash test ratings, which isn’t great.

Dodge Durango Insurance Loss Probability

A high insurance loss probability means high insurance rates, while a low insurance loss probability means low insurance rates.

Dodge Durango Insurance Loss Probability

So far, the IIHS has no data on the Dodge Durango’s insurance losses.

What is the MSRP of the Dodge Durango?

Whenever you buy a car, you should always check the manufacturer suggested retail price (MSRP). You should never be paying more than the MSRP, as this isn’t a fair market price. A fair price should always be less than the MSRP, or at least no more than the MSRP.

We visited Kelley Blue Book (KBB) to find out prices for a 2020 Dodge Durango. Take a look at the numbers below.

• MSRP: $31,990
• Fair Market Range: $28,903 to $31,344
• Fair Market Price: $30,124

The fair market range ends just slightly under the MSRP, although the fair market price is about $1,900 less than the MSRP. These prices demonstrate that a fair market price should never be more than MSRP. However, we want to point out that while you may have paid less than the MSRP for a vehicle, insurers will only be looking at the MSRP.

The MSRP helps insurers determine what costs will be if you wreck or total your car. A high MSRP means higher costs for repair parts or a replacement vehicle. To help make up for potential losses, an insurer will raise your collision and comprehensive insurance rates if your MSRP is high.

Both these coverages pay for damages to your vehicle after an accident and cover a wide range of accident situations. At times, lenders will force car owners to have these two coverages on their car lease in what is known as force-placed insurance. Making drivers carry these two coverages protects the lender’s assets if the driver should wreck or total the vehicle.

In addition to the MSRP of a car, the collision and comprehensive losses for a car will also affect insurers’ rates. If a vehicle has a long history of claims, it means that the likelihood of you filing a claim is higher. The frequency of claims could be due to a defect in the car, or just that the car has a more powerful engine that encourages speeding (which leads to accidents).

We want to see what insurers will be looking at, so we visited the IIHS again to pull data on losses by make and model. Let’s start with the collision losses for the three different models of the Dodge Durango.

• Dodge Durango four-door: -2 percent (average)
• Dodge Durango four-door and 4WD: -3 percent (average)
• Dodge Durango sport, four-door, and 4WD: 69 percent (substantially worse than average)

The sport version of the Dodge Durango has terrible collision losses, especially when compared to the other two versions of the Dodge Durango. If you take a look at the comprehensive losses below, you can see that the sport version also has terrible comprehensive losses.

• Dodge Durango four-door: -12 percent (average)
• Dodge Durango four-door and 4WD: 10 percent (average)
• Dodge Durango sport, four-door, and 4WD: 63 percent (substantially worse than average)

Either the Dodge Durango sport version doesn’t hold up as well in crashes, or its drivers are more prone to crashing. Regardless, if you own the sport version, you may see higher comprehensive and collision rates then if you own a regular four-door model.

How much will it cost to repair my Dodge Durango?

Having a cheap car is futile if it is expensive to repair. Sometimes parts are hard to find, or you’ll need a custom paint mix because your original color was discontinued. Regardless of the reason, expensive repairs mean more expensive Dodge Durango car insurance rates.

The good news is that RepairPal listed the costs of the Dodge Durango’s average annual repair costs as only $675. This average includes routine repairs, such as oil changes. In comparison, the average annual repair costs for full-size SUVs is $784, so the Dodge Durango is cheaper to maintain than most SUV models.

Because maintenance costs are paid for by the car owner, not the insurer, maintenance costs won’t impact your car insurance rates. Of course, you should still consider maintenance costs to make sure it is an expense you can afford. Insurers, however, are more concerned with damage repair costs for cars.

We collected quote estimates for level 2 damage to a 2021 Dodge Durango from InstantEstimator.com’s free tool. These estimates are what insurers will be looking at and considering when creating basic rates for vehicles.

• Front bumper: $413
• Rear bumper: $423
• Hood: $387
• Roof: $471
• Front door: $391
• Back door: $379
• Fender: $351
• Quarter panel: $363

InstantEstimator.com calculates its price estimates on body and paint labor, painting supplies, color tint, hazardous waste disposal, and the final color/sand/buff. The estimate doesn’t include shipping costs for replacement parts. From the estimates, you can see that the roof and front bumper will be the most expensive parts to fix on the Dodge Durango.

Since the front bumper is one of the parts usually damaged in front collisions, insurers may raise the rates of your comprehensive and collision coverage slightly. However, the repair costs for the Dodge Durango aren’t terribly expensive, so you shouldn’t have extremely high rates if you own a Dodge Durango.

Now that we’ve reached the end of our guide to the Dodge Durango’s rates, you should have a good understanding of how insurers calculate rates. This knowledge will help you as you search for the best Dodge Durango auto insurance quotes near you.

Enter your ZIP code in our free rate tool to start looking for an affordable Dodge Durango auto insurance company today.