Dodge Durango Car Insurance Cost for 2023

How much does Dodge Durango car insurance cost? We break down average rates by trim level up to the SRT model and compare them to the SUV segment competitors.

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How much are Dodge Durango car insurance rates?

Dodge Durango insurance costs an average of $2,102 a year for a full coverage policy, or around $175 a month.

Monthly payments depend on the trim level of the Durango being insured, with the average cost ranging from $161 to $207.

Liability/medical (or PIP) coverage costs around $738 a year, comprehensive coverage will cost an estimated $450, and the remaining collision insurance is about $914.

The chart below demonstrates how average 2023 Dodge Durango car insurance rates change with differences in driver age and coverage deductibles. The yearly premium cost range from the cheapest price of $1,610 per year for a driver age 60 with a deductible of $1,000 to a high policy cost of $4,854 annually for a driver age 20 with a $250 policy deductible.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Dodge Durango with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Dodge Durango trim levels.Data last updated on May 5, 2023
Dodge Durango Car Insurance Rates
2023 Dodge Durango Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,604$300
$500$4,212$351
$250$4,854$405
30$1,000$1,868$156
$500$2,206$184
$250$2,556$213
40$1,000$1,792$149
$500$2,102$175
$250$2,422$202
50$1,000$1,638$137
$500$1,916$160
$250$2,208$184
60$1,000$1,610$134
$500$1,884$157
$250$2,170$181

The bar chart above illustrates a fairly small set of rate data points from a very large data set. If we showed all auto insurance rates for every possible scenario, including every Durango trim level and all 42,000 zip codes in the U.S., the end result would have 1,257,984,000,000 possible rates.

In addition to that number, consider that buying a liability-only policy in the most affordable parts of Ohio or Vermont can be as low as $211 a year, while a teenager with a few speeding tickets and accidents in certain areas in California could get a bill for $16,392 a year for a full coverage policy.

What is the cheapest Durango trim to insure?

With Dodge Durango insurance rates ranging from $1,928 to $2,484 per year, the most budget-friendly trim level to insure is the SXT. The next cheapest trim level to insure is the GT at $1,972 per year. On average, plan on paying at least $161 per month for full coverage Durango insurance.

For the more expensive trim levels, the three highest cost Durango trim levels to insure are the Dodge Durango R/T Plus, the Citadel AWD, and the SRT Hellcat AWD trim levels at an estimated $2,148,  $2,154, and $2,484 per year, respectively.

The rate table below details the average Dodge Durango car insurance cost, plus a monthly budget estimate, for each 2023 model year package and trim level.

2023 Dodge Durango Insurance Cost by Trim Level
Dodge Durango Trim Level Annual Policy Six-Month Policy Per Month
SXT$1,928$964$161
GT$1,972$986$164
SXT AWD$1,974$987$165
GT AWD$2,012$1,006$168
GT Plus$2,036$1,018$170
GT Plus AWD$2,068$1,034$172
R/T$2,120$1,060$177
Citadel$2,128$1,064$177
R/T Plus AWD$2,140$1,070$178
R/T AWD$2,146$1,073$179
R/T Plus$2,148$1,074$179
Citadel AWD$2,154$1,077$180
SRT Hellcat AWD$2,484$1,242$207

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Dodge Durango, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Dodge Durango Insurance Cost by Trim Level

Is Durango insurance cheaper than other midsize SUVs?

The 2023 Dodge Durango ranks 30th out of 31 total comparison vehicles in the midsize SUV category. The Durango costs an average of $2,102 per year for insurance and the segment average cost is $1,724 per year, a difference of $378 per year.

When compared directly to the most popular models in the midsize SUV category, insurance for a Dodge Durango costs $226 more per year than the Jeep Grand Cherokee, $340 more than the Toyota Highlander, $598 more than the Ford Explorer, and $188 more than the Jeep Cherokee.

The table below shows how average Dodge Durango insurance rates compare to all other midsize SUVs.

Insurance Cost Comparison: Dodge Durango vs Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,368-$734
2Subaru Ascent$1,434-$668
3Ford Edge$1,494-$608
4Ford Explorer$1,504-$598
5Volkswagen Atlas$1,506-$596
6Nissan Murano$1,516-$586
7Subaru Outback$1,518-$584
8Volkswagen Atlas Cross Sport$1,576-$526
9Toyota Venza$1,608-$494
10Kia Sorento$1,618-$484
11Hyundai Palisade$1,638-$464
12Toyota 4Runner$1,654-$448
13GMC Acadia$1,682-$420
14Chevrolet Traverse$1,684-$418
15Honda Pilot$1,696-$406
16Buick Enclave$1,702-$400
17Nissan Pathfinder$1,712-$390
18Mazda CX-9$1,720-$382
19Mitsubishi Outlander Sport$1,744-$358
20Kia Telluride$1,754-$348
21Toyota Highlander$1,762-$340
22Chevrolet Blazer$1,786-$316
23Hyundai Santa Fe$1,810-$292
24Jeep Grand Cherokee$1,876-$226
25Jeep Cherokee$1,914-$188
26Jeep Wrangler$1,952-$150
27Ford Bronco$1,962-$140
28Tesla Model Y$1,970-$132
29Mitsubishi Outlander PHEV$2,018-$84
30Dodge Durango$2,102--
31Rivian R1S$2,160$58

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on May 5, 2023
Insurance Cost Comparison: Dodge Durango vs Midsize SUVs

Does a used Durango cost less to insure?

Forgoing newer models and driving a Dodge Durango from five-plus years ago may save $830 per year at a bare minimum. Older models are generally cheaper to insure because they depreciate and have a lower replacement cost value when compared to new models.

The data table below details average full coverage insurance rates for a Dodge Durango for various driver age groups and Dodge Durango model years. Yearly policy costs range from a minimum value of $1,138 for a 60-year-old driver rated on a 2013 Dodge Durango to a maximum value of $4,212 for a 20-year-old driver rated on a 2023 model year.

Dodge Durango Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Dodge Durango$4,212$2,102$1,884
2022 Dodge Durango$3,902$1,944$1,744
2021 Dodge Durango$3,558$1,774$1,594
2020 Dodge Durango$3,516$1,752$1,574
2019 Dodge Durango$3,200$1,598$1,430
2018 Dodge Durango$3,128$1,562$1,398
2017 Dodge Durango$2,962$1,480$1,326
2016 Dodge Durango$2,616$1,312$1,178
2015 Dodge Durango$2,782$1,394$1,248
2014 Dodge Durango$2,436$1,228$1,104
2013 Dodge Durango$2,536$1,272$1,138

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Dodge Durango Insurance Cost by Model Year

Ultimately, as the years go by, it’s a smart financial move to eliminate physical damage coverage from the policy. As vehicles age and their value decreases from depreciation, the costs required to maintain full coverage start to outweigh the added benefit.

Deleting comprehensive and collision coverage on an older Dodge Durango may save you $684 a year, depending on the level of physical damage deductibles and the driver age.

Durango insurance rates by city and state

The cost to insure a Dodge Durango can range from lower rates like $1,406 a year in Virginia Beach, VA, or $1,558 in Columbus, OH, to high rates like $4,898 a year in Detroit, MI, and $3,268 in Los Angeles, CA.

Other examples of Durango insurance rates include Phoenix, AZ, costing $2,304 per year, Minneapolis, MN, at $2,124, Austin, TX, at $1,854, and Tucson, AZ, at an estimated $1,968.

The data visualization below visualizes typical insurance rates for a Dodge Durango in some of the largest cities in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Dodge Durango, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Dodge Durango trim levels.Data last updated on May 5, 2023
Dodge Durango Insurance Rates in Large U.S. Cities
Dodge Durango Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,706$309
Philadelphia, PA$3,286$274
Las Vegas, NV$3,276$273
Los Angeles, CA$3,268$272
San Francisco, CA$2,830$236
Kansas City, MO$2,518$210
Oklahoma City, OK$2,518$210
Denver, CO$2,468$206
Memphis, TN$2,468$206
Atlanta, GA$2,436$203
San Jose, CA$2,370$198
Phoenix, AZ$2,304$192
Portland, OR$2,278$190
San Diego, CA$2,264$189
Jacksonville, FL$2,256$188
Boston, MA$2,256$188
Chicago, IL$2,190$183
Dallas, TX$2,158$180
Houston, TX$2,144$179
Seattle, WA$2,140$178
Nashville, TN$2,058$172
Milwaukee, WI$2,048$171
Albuquerque, NM$2,012$168
San Antonio, TX$1,946$162
Omaha, NE$1,892$158
Fort Worth, TX$1,880$157
Austin, TX$1,854$155
Indianapolis, IN$1,694$141
Columbus, OH$1,558$130
Charlotte, NC$1,486$124

When evaluating Dodge Durango insurance from a state perspective, states like Idaho ($1,498), Iowa ($1,404), and Maine ($1,264) tend to be on the cheaper side, while states like Michigan ($2,872), Louisiana ($2,502), and Florida ($2,618) tend to have more expensive car insurance rates.

Dodge Durango insurance rates in most states do not really trend toward either extreme, with states like Colorado, Wyoming, and Alabama included in this group with average Dodge Durango insurance rates of $2,256, $1,866, and $1,892 per year, respectively.

The table below details average insurance cost for a 2023 Dodge Durango in all fifty U.S. states.

Dodge Durango Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,892$946$158
Alaska$1,592$796$133
Arizona$1,926$963$161
Arkansas$2,200$1,100$183
California$2,540$1,270$212
Colorado$2,256$1,128$188
Connecticut$2,342$1,171$195
Delaware$2,392$1,196$199
Florida$2,618$1,309$218
Georgia$2,148$1,074$179
Hawaii$1,436$718$120
Idaho$1,498$749$125
Illinois$1,842$921$154
Indiana$1,570$785$131
Iowa$1,404$702$117
Kansas$2,070$1,035$173
Kentucky$2,250$1,125$188
Louisiana$2,502$1,251$209
Maine$1,264$632$105
Maryland$1,952$976$163
Massachusetts$2,292$1,146$191
Michigan$2,872$1,436$239
Minnesota$1,804$902$150
Mississippi$2,050$1,025$171
Missouri$2,370$1,185$198
Montana$1,930$965$161
Nebraska$1,756$878$146
Nevada$2,512$1,256$209
New Hampshire$1,406$703$117
New Jersey$2,546$1,273$212
New Mexico$1,726$863$144
New York$2,434$1,217$203
North Carolina$1,312$656$109
North Dakota$1,740$870$145
Ohio$1,468$734$122
Oklahoma$2,320$1,160$193
Oregon$1,964$982$164
Pennsylvania$2,020$1,010$168
Rhode Island$2,604$1,302$217
South Carolina$1,762$881$147
South Dakota$2,160$1,080$180
Tennessee$1,996$998$166
Texas$1,950$975$163
Utah$1,842$921$154
Vermont$1,528$764$127
Virginia$1,398$699$117
Washington$1,898$949$158
West Virginia$1,872$936$156
Wisconsin$1,500$750$125
Wyoming$1,866$933$156

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Dodge Durango, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Dodge Durango trim levels. Physical damage deductibles are $500 and rates are averaged for all Zip Codes in each state.Data last updated on May 5, 2023
Dodge Durango insurance rates by U.S. state