Dodge Durango Car Insurance Cost for 2022

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.

Start QuoteCompare Durango car insurance rates and save on your next policy.

How much are Dodge Durango car insurance rates?

Dodge Durango insurance costs an average of $1,788 a year for a full coverage policy, or around $149 a month.

Monthly payments depend on the trim level of the Durango being insured, with average cost ranging from $137 to $162.

Liability/medical (or PIP) coverage costs around $666 a year, comprehensive coverage will cost an estimated $372, and the remaining collision insurance is about $750.

The chart below demonstrates how average 2022 Dodge Durango car insurance rates change with differences in driver age and coverage deductibles. The yearly premium cost range from the cheapest price of $1,378 per year for a driver age 60 with a deductible of $1,000 to a high policy cost of $4,110 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 2022 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 July 21, 2022
Dodge Durango Car Insurance Rates
Dodge Durango Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,082$257
$500$3,582$299
$250$4,110$343
30$1,000$1,590$133
$500$1,868$156
$250$2,160$180
40$1,000$1,534$128
$500$1,788$149
$250$2,054$171
50$1,000$1,402$117
$500$1,632$136
$250$1,872$156
60$1,000$1,378$115
$500$1,604$134
$250$1,840$153

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 posible 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 $14,960 a year for a full coverage policy.

What is the cheapest Durango trim to insure?

With Dodge Durango insurance rates ranging from $1,640 to $1,940 per year, the most budget-friendly trim level to insure is the SXT. The next cheapest trim level to insure is the SXT AWD at $1,688 per year. On average, plan on paying at least $137 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 R/T Plus AWD, and the SRT 392 AWD trim levels at an estimated $1,850,  $1,868, and $1,940 per year, respectively.

The rate table below details average Dodge Durango car insurance cost, plus a monthly budget estimate, for each 2022 model year package and trim level.

2022 Dodge Durango Insurance Cost by Trim Level
Dodge Durango Trim Level Annual Policy 6-month Policy Per Month
SXT$1,640$820$137
SXT AWD$1,688$844$141
GT$1,696$848$141
GT AWD$1,732$866$144
GT Plus$1,752$876$146
GT Plus AWD$1,782$891$149
R/T$1,804$902$150
Citadel$1,824$912$152
R/T AWD$1,828$914$152
Citadel AWD$1,848$924$154
R/T Plus$1,850$925$154
R/T Plus AWD$1,868$934$156
SRT 392 AWD$1,940$970$162

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 July 21, 2022
Dodge Durango Insurance Cost by Trim Level

Is Durango insurance cheaper than other midsize SUVs?

The 2022 Dodge Durango ranks #27 out of 29 total comparison vehicles in the midsize SUV category. The Durango costs an average of $1,788 per year for insurance and the segment average cost is $1,544 per year, a difference of $244 per year.

When compared directly to the most popular models in the midsize SUV category, insurance for a Dodge Durango costs $108 more per year than the Jeep Grand Cherokee, $254 more than the Toyota Highlander, $354 more than the Ford Explorer, and $96 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$1,224-$564
2Subaru Ascent$1,310-$478
3Ford Edge$1,374-$414
4Subaru Outback$1,398-$390
5Nissan Murano$1,416-$372
6Toyota Venza$1,424-$364
7Ford Explorer$1,434-$354
8Kia Sorento$1,444-$344
9Hyundai Palisade$1,462-$326
10Volkswagen Atlas$1,472-$316
11Toyota 4Runner$1,488-$300
12Volkswagen Atlas Cross Sport$1,528-$260
13Mazda CX-9$1,530-$258
14GMC Acadia$1,532-$256
15Toyota Highlander$1,534-$254
16Nissan Pathfinder$1,540-$248
17Honda Pilot$1,546-$242
18Mitsubishi Outlander Sport$1,548-$240
19Buick Enclave$1,562-$226
20Chevrolet Traverse$1,568-$220
21Hyundai Santa Fe$1,590-$198
22Kia Telluride$1,596-$192
23Chevrolet Blazer$1,610-$178
24Jeep Grand Cherokee$1,680-$108
25Jeep Cherokee$1,692-$96
26Mitsubishi Outlander PHEV$1,768-$20
27Dodge Durango$1,788--
28Tesla Model Y$1,804$16
29Rivian R1S$1,902$114

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 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 vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on July 21, 2022
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 $606 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 $1,060 for a 60-year-old driver rated on a 2013 Dodge Durango to a maximum value of $3,582 for a 20-year-old driver rated on a 2022 model year.

Dodge Durango Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,582$1,868$1,788$1,632$1,604
2021$3,254$1,702$1,624$1,484$1,456
2020$3,200$1,672$1,596$1,458$1,430
2019$2,946$1,546$1,472$1,344$1,320
2018$2,882$1,512$1,440$1,316$1,292
2017$2,768$1,446$1,380$1,262$1,238
2016$2,432$1,276$1,220$1,114$1,094
2015$2,632$1,370$1,312$1,200$1,178
2014$2,288$1,206$1,154$1,054$1,034
2013$2,360$1,226$1,182$1,080$1,060

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume 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 July 21, 2022
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 starts to outweigh the added benefit.

Deleting comprehensive and collision coverage on an older Dodge Durango may save you $650 a year, depending on the level of physical damage deductibles and the driver age.

Does where I live impact the cost of car insurance?

The cost to insure a Dodge Durango can range from lower rates like $1,200 a year in Virginia Beach, VA, or $1,344 in Columbus, OH, to high rates like $6,994 a year in Detroit, MI, and $2,960 in Los Angeles, CA.

Other examples of Durango insurance rates include Phoenix, AZ, costing $2,052 per year, Minneapolis, MN, at $1,878, Austin, TX, at $1,624, and Tucson, AZ, at an estimated $1,730.

The data visualization below visualizes typical insurance rates for a Dodge Durango in some of the largest cities in America. The average annual cost ranges from $1,344 per year in Columbus, OH, to $3,372 in New York, NY, a difference of $2,028.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 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 July 21, 2022
Dodge Durango Insurance Rates in Large U.S. Cities
Dodge Durango Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,372$281
Philadelphia, PA$2,978$248
Los Angeles, CA$2,960$247
San Francisco, CA$2,544$212
Jacksonville, FL$2,534$211
San Jose, CA$2,110$176
Phoenix, AZ$2,052$171
San Diego, CA$2,010$168
Chicago, IL$1,940$162
Dallas, TX$1,912$159
Houston, TX$1,898$158
Indianapolis, IN$1,796$150
San Antonio, TX$1,710$143
Austin, TX$1,624$135
Columbus, OH$1,344$112

What does Durango insurance cost in my state?

When evaluating Dodge Durango insurance from a state perspective, states like Idaho ($1,410), Iowa ($1,290), and Maine ($1,236) tend to be on the cheaper side, while states like Michigan ($2,844), Louisiana ($2,586), and Florida ($2,610) 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 $1,906, $1,640, and $1,454 per year, respectively.

Dodge Durango Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,454$727$121
Alaska$1,568$784$131
Arizona$1,590$795$133
Arkansas$1,912$956$159
California$2,046$1,023$171
Colorado$1,906$953$159
Connecticut$1,730$865$144
Delaware$1,816$908$151
Florida$2,610$1,305$218
Georgia$1,726$863$144
Hawaii$1,212$606$101
Idaho$1,410$705$118
Illinois$1,444$722$120
Indiana$1,336$668$111
Iowa$1,290$645$108
Kansas$1,796$898$150
Kentucky$2,076$1,038$173
Louisiana$2,586$1,293$216
Maine$1,236$618$103
Maryland$1,612$806$134
Massachusetts$1,464$732$122
Michigan$2,844$1,422$237
Minnesota$1,570$785$131
Mississippi$1,688$844$141
Missouri$1,896$948$158
Montana$1,740$870$145
Nebraska$1,706$853$142
Nevada$1,958$979$163
New Hampshire$1,076$538$90
New Jersey$1,688$844$141
New Mexico$1,428$714$119
New York$1,902$951$159
North Carolina$1,134$567$95
North Dakota$1,488$744$124
Ohio$1,038$519$87
Oklahoma$1,734$867$145
Oregon$1,496$748$125
Pennsylvania$1,500$750$125
Rhode Island$2,104$1,052$175
South Carolina$1,644$822$137
South Dakota$1,616$808$135
Tennessee$1,410$705$118
Texas$1,682$841$140
Utah$1,476$738$123
Vermont$1,186$593$99
Virginia$1,152$576$96
Washington$1,358$679$113
West Virginia$1,604$802$134
Wisconsin$1,212$606$101
Wyoming$1,640$820$137

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 July 21, 2022
Dodge Durango insurance rates by U.S. state