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.

Start a Free QuoteCompare Dodge Durango car insurance quotes and save on your next policy.

How much are Dodge Durango car insurance rates?

Dodge Durango insurance costs an average of $2,158 a year for a full coverage policy, or around $180 a month.

Monthly payments depend on the trim level of the Durango being insured, with the average cost ranging from $165 to $213.

Liability/medical (or PIP) coverage costs around $760 a year, comprehensive coverage will cost an estimated $460, and the remaining collision insurance is about $938.

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 $1,652 per year for a driver age 60 with a deductible of $1,000 to a high policy cost of $4,984 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 August 12, 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$3,698$308
$500$4,324$360
$250$4,984$415
30$1,000$1,916$160
$500$2,262$189
$250$2,622$219
40$1,000$1,842$154
$500$2,158$180
$250$2,488$207
50$1,000$1,684$140
$500$1,970$164
$250$2,268$189
60$1,000$1,652$138
$500$1,932$161
$250$2,226$186

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 $16,620 a year for a full coverage policy.

What is the cheapest Durango trim to insure?

With Dodge Durango insurance rates ranging from $1,980 to $2,554 per year, the most budget-friendly trim level to insure is the SXT. The next cheapest trim level to insure is the GT at $2,026 per year. On average, plan on paying at least $165 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 $2,210,  $2,214, and $2,554 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$1,980$990$165
GT$2,026$1,013$169
SXT AWD$2,028$1,014$169
GT AWD$2,070$1,035$173
GT Plus$2,090$1,045$174
GT Plus AWD$2,126$1,063$177
R/T$2,178$1,089$182
Citadel$2,186$1,093$182
R/T Plus AWD$2,198$1,099$183
R/T AWD$2,204$1,102$184
R/T Plus$2,210$1,105$184
Citadel AWD$2,214$1,107$185
SRT Hellcat AWD$2,554$1,277$213

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 August 12, 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 $2,158 per year for insurance and the segment average cost is $1,770 per year, a difference of $388 per year.

When compared directly to the most popular models in the midsize SUV category, insurance for a Dodge Durango costs $232 more per year than the Jeep Grand Cherokee, $352 more than the Toyota Highlander, $616 more than the Ford Explorer, and $190 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$1,404-$754
2Subaru Ascent$1,472-$686
3Ford Edge$1,534-$624
4Ford Explorer$1,542-$616
5Volkswagen Atlas$1,546-$612
6Nissan Murano$1,554-$604
7Subaru Outback$1,558-$600
8Volkswagen Atlas Cross Sport$1,616-$542
9Toyota Venza$1,650-$508
10Kia Sorento$1,660-$498
11Hyundai Palisade$1,680-$478
12Toyota 4Runner$1,696-$462
13GMC Acadia$1,726-$432
14Chevrolet Traverse$1,730-$428
15Honda Pilot$1,742-$416
16Buick Enclave$1,748-$410
17Nissan Pathfinder$1,760-$398
18Mazda CX-9$1,762-$396
19Mitsubishi Outlander Sport$1,790-$368
20Kia Telluride$1,798-$360
21Toyota Highlander$1,806-$352
22Chevrolet Blazer$1,836-$322
23Hyundai Santa Fe$1,858-$300
24Jeep Grand Cherokee$1,926-$232
25Jeep Cherokee$1,968-$190
26Jeep Wrangler$2,008-$150
27Ford Bronco$2,014-$144
28Tesla Model Y$2,026-$132
29Mitsubishi Outlander PHEV$2,072-$86
30Dodge Durango$2,158--
31Rivian R1S$2,216$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 August 11, 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 $850 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 $1,170 for a 60-year-old driver rated on a 2013 Dodge Durango to a maximum value of $4,324 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$4,324$2,158$1,932
2022 Dodge Durango$4,004$1,996$1,790
2021 Dodge Durango$3,654$1,822$1,634
2020 Dodge Durango$3,608$1,800$1,612
2019 Dodge Durango$3,284$1,642$1,470
2018 Dodge Durango$3,212$1,604$1,436
2017 Dodge Durango$3,042$1,522$1,362
2016 Dodge Durango$2,686$1,346$1,208
2015 Dodge Durango$2,856$1,430$1,280
2014 Dodge Durango$2,500$1,260$1,130
2013 Dodge Durango$2,606$1,308$1,170

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 August 11, 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 $704 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 $1,452 a year in Virginia Beach, VA, or $1,604 in Columbus, OH, to high rates like $4,928 a year in Detroit, MI, and $3,314 in Los Angeles, CA.

Other examples of Durango insurance rates include Phoenix, AZ, costing $2,350 per year, Minneapolis, MN, at $2,170, Austin, TX, at $1,900, and Tucson, AZ, at an estimated $2,014.

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 August 12, 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$3,750$313
Philadelphia, PA$3,332$278
Las Vegas, NV$3,322$277
Los Angeles, CA$3,314$276
San Francisco, CA$2,876$240
Kansas City, MO$2,564$214
Oklahoma City, OK$2,564$214
Denver, CO$2,518$210
Memphis, TN$2,518$210
Atlanta, GA$2,482$207
San Jose, CA$2,416$201
Phoenix, AZ$2,350$196
Portland, OR$2,322$194
San Diego, CA$2,310$193
Boston, MA$2,302$192
Jacksonville, FL$2,292$191
Chicago, IL$2,236$186
Dallas, TX$2,200$183
Houston, TX$2,190$183
Seattle, WA$2,184$182
Nashville, TN$2,102$175
Milwaukee, WI$2,092$174
Albuquerque, NM$2,056$171
San Antonio, TX$1,992$166
Omaha, NE$1,938$162
Fort Worth, TX$1,926$161
Austin, TX$1,900$158
Indianapolis, IN$1,738$145
Columbus, OH$1,604$134
Charlotte, NC$1,534$128

When evaluating Dodge Durango insurance from a state perspective, states like Idaho ($1,544), Iowa ($1,450), and Maine ($1,312) tend to be on the cheaper side, while states like Michigan ($2,904), Louisiana ($2,540), and Florida ($2,654) 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 $2,300, $1,914, and $1,938 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$1,938$969$162
Alaska$1,638$819$137
Arizona$1,972$986$164
Arkansas$2,246$1,123$187
California$2,586$1,293$216
Colorado$2,300$1,150$192
Connecticut$2,388$1,194$199
Delaware$2,436$1,218$203
Florida$2,654$1,327$221
Georgia$2,192$1,096$183
Hawaii$1,478$739$123
Idaho$1,544$772$129
Illinois$1,890$945$158
Indiana$1,614$807$135
Iowa$1,450$725$121
Kansas$2,116$1,058$176
Kentucky$2,296$1,148$191
Louisiana$2,540$1,270$212
Maine$1,312$656$109
Maryland$1,996$998$166
Massachusetts$2,336$1,168$195
Michigan$2,904$1,452$242
Minnesota$1,848$924$154
Mississippi$2,094$1,047$175
Missouri$2,416$1,208$201
Montana$1,974$987$165
Nebraska$1,802$901$150
Nevada$2,556$1,278$213
New Hampshire$1,452$726$121
New Jersey$2,590$1,295$216
New Mexico$1,774$887$148
New York$2,480$1,240$207
North Carolina$1,358$679$113
North Dakota$1,786$893$149
Ohio$1,508$754$126
Oklahoma$2,364$1,182$197
Oregon$2,010$1,005$168
Pennsylvania$2,064$1,032$172
Rhode Island$2,652$1,326$221
South Carolina$1,808$904$151
South Dakota$2,206$1,103$184
Tennessee$2,044$1,022$170
Texas$1,996$998$166
Utah$1,886$943$157
Vermont$1,574$787$131
Virginia$1,442$721$120
Washington$1,940$970$162
West Virginia$1,920$960$160
Wisconsin$1,548$774$129
Wyoming$1,914$957$160

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 August 12, 2023
Dodge Durango insurance rates by U.S. state