Newer Dodge Durangos cost more to insure than older models, with 2025 versions reaching $558 monthly compared to just $49 for older Durangos. This substantial difference reflects that newer vehicles are more expensive to replace or repair.
Dodge Durango Insurance Cost
Updated: January 21, 2026
Key Takeaways
Dodge Durango insurance costs an average of $199 monthly for full coverage. Rates vary by model year and insurer, with GEICO offering the lowest average rates. Read more
The Durango ranks 145th out of 256 SUVs for insurance affordability, placing it midtier. SUVs cost more to insure than most vehicle types, making the Durango expensive compared to typical cars. Read more
Check rates for your Durango's model year to get accurate insurance costs. Read more
How Much Is Dodge Durango Insurance?
Looking for another Dodge model? Read more about Dodge insurance costs.
Costs vary by model year and company. Dodge Durango minimum coverage costs range from $71 monthly with GEICO to $163 with UAIC, while full coverage spans $154 with GEICO to $365 with AIG.
These cost differences (over $92 for minimum coverage and over $211 for full coverage) demonstrate why Durango owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $152 | $316 |
| AIG | $200 | $505 |
| Allstate | $162 | $316 |
| Amica | $169 | $346 |
| Chubb | $195 | $388 |
| Farmers | $200 | $354 |
| Geico | $83 | $179 |
| Kemper | $137 | $274 |
| Nationwide | $184 | $318 |
| Progressive | $160 | $301 |
| State Farm | $130 | $270 |
| The Hartford | $137 | $233 |
| Travelers | $141 | $262 |
| UAIC | $207 | $260 |
Is Dodge Durango Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Dodge Durango ranking 145th for affordability, meaning 144 vehicles cost less to insure. It's positioned just a few dollars per month more expensive than an Audi SQ5 and slightly cheaper than a Nissan Kicks. This middle-tier placement among SUVs gives you a solid reference point for comparison shopping.
SUVs are expensive to insure though, and the Durango's overall ranking reflects this reality. Among all 827 vehicles in our database, it sits at 513th place, putting it among the pricier half of models to insure. The cheapest SUV option is the Isuzu Amigo, while the Audi SQ8 e-tron commands the highest premiums in this category.
| Volvo XC40 Recharge | $150 | 142 |
| Fiat 500X | $150 | 143 |
| Audi SQ5 | $150 | 144 |
| Dodge Durango | $150 | 145 |
| Nissan Kicks | $151 | 146 |
| Volvo EX30 | $151 | 147 |
| Mercedes GLC | $152 | 148 |
Several factors affect what you'll pay for Dodge Durango insurance:
- Average Repair or Replacement Costs: With annual repair costs averaging $973, the Dodge Durango ranks as the 11th most affordable Dodge model to maintain out of 14 total models, keeping insurance premiums relatively manageable.
- Vehicle Trim, Features and Accessories: The Durango's horsepower ranges from 293 to 710, depending on your trim level. High-performance variants with extreme horsepower output command higher insurance premiums due to increased risk and replacement costs.
- Driver Profile:Â Most Durango owners fall between 35 and 50 years old, with a median age of around 42, which results in favorable rates. However, the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Dodge Durangos for young drivers.
Dodge Durango Insurance Cost by State
Car insurance for a Dodge Durango costs as little as $38 per month in Wyoming or as much as $197 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| Alabama | $86 | $164 |
| Alaska | $72 | $152 |
| Arizona | $123 | $229 |
| Arkansas | $86 | $192 |
| California | $97 | $197 |
| Colorado | $98 | $234 |
| Connecticut | $139 | $241 |
| Delaware | $140 | $235 |
| Florida | $128 | $297 |
| Georgia | $147 | $242 |
| Hawaii | $53 | $120 |
| Idaho | $56 | $114 |
| Illinois | $93 | $174 |
| Indiana | $66 | $129 |
| Iowa | $59 | $141 |
| Kansas | $74 | $173 |
| Kentucky | $123 | $210 |
| Louisiana | $197 | $428 |
| Maine | $53 | $109 |
| Maryland | $159 | $268 |
| Massachusetts | $103 | $217 |
| Michigan | $159 | $306 |
| Minnesota | $83 | $173 |
| Mississippi | $89 | $177 |
| Missouri | $118 | $236 |
| Montana | $72 | $172 |
| Nebraska | $74 | $168 |
| Nevada | $179 | $324 |
| New Hampshire | $72 | $127 |
| New Jersey | $162 | $266 |
| New Mexico | $83 | $186 |
| New York | $125 | $225 |
| North Carolina | $83 | $163 |
| North Dakota | $61 | $133 |
| Ohio | $77 | $151 |
| Oklahoma | $95 | $212 |
| Oregon | $123 | $215 |
| Pennsylvania | $88 | $207 |
| Rhode Island | $125 | $223 |
| South Carolina | $101 | $189 |
| South Dakota | $56 | $171 |
| Tennessee | $81 | $163 |
| Texas | $127 | $261 |
| Utah | $109 | $185 |
| Vermont | $46 | $110 |
| Virginia | $94 | $152 |
| Washington | $92 | $171 |
| West Virginia | $86 | $176 |
| Wisconsin | $68 | $149 |
| Wyoming | $38 | $120 |
Dodge Durango Costs by Model Year and Insurance Company
A 2016 Dodge Durango costs about $197 monthly to insure for drivers aged 35 to 55, while a 2025 model jumps to $386 per month for the same age group. This significant difference shows how newer car models tend to be much more expensive than older models when it comes to full coverage car insurance. Insurance costs for your Dodge Durango may change greatly depending on your model year and the age of the drivers on your policy, with young drivers in their teens and early twenties paying much more to insure.
GEICO is the cheapest insurer across all model years and could save certain drivers hundreds of dollars per month versus the average rate.Â
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Dodge Durango
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
Cost of Car Insurance for 2024 Dodge Durango
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
Cost of Car Insurance for 2023 Dodge Durango
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
Cost of Car Insurance for 2022 Dodge Durango
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
Cost of Car Insurance for 2021 Dodge Durango
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
Cost of Car Insurance for 2020 Dodge Durango
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
Cost of Car Insurance for 2019 Dodge Durango
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
Cost of Car Insurance for 2018 Dodge Durango
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
Cost of Car Insurance for 2017 Dodge Durango
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
Cost of Car Insurance for 2016 Dodge Durango
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
Dodge Durango Insurance Cost by Trim
Insurance costs for your Dodge Durango vary —from $558 monthly for full coverage on high-performance Srt Hellcat Silver Bullet variants down to $49 for minimum coverage on basic Sport Utility 4d models. Performance features and market value determine where each trim falls in this wide range.
| Sport Utility 4d | $49 | $94 |
| Sport Suv 4d | $50 | $96 |
| St Sport Utility 4d | $57 | $109 |
| Se Sport Utility 4d | $74 | $143 |
| Sxt Sport Utility 4d | $77 | $148 |
| Limited Sport Utility 4d | $78 | $150 |
| Slt Sport Utility 4d | $78 | $150 |
| Sxt Launch Edition Sport Utility 4d | $79 | $153 |
| Heat Sport Utility 4d | $81 | $158 |
| Sxt Plus Sport Utility 4d | $82 | $159 |
| Gt Plus Sport Utility 4d | $82 | $159 |
| Adventurer Sport Utility 4d | $82 | $158 |
| Gt Sport Utility 4d | $83 | $161 |
| Gt Launch Edition Sport Utility 4d | $83 | $162 |
| R/T Sport Utility 4d | $84 | $163 |
| Crew Sport Utility 4d | $86 | $166 |
| Limited Hybrid Sport Utility 4d | $87 | $167 |
| Express Sport Utility 4d | $87 | $167 |
| Gt Premium Sport Utility 4d | $90 | $175 |
| Citadel Sport Utility 4d | $90 | $175 |
| Anodized Platinum Sport Utility 4d | $92 | $178 |
| Sxt | $98 | $192 |
| Srt Sport Utility 4d | $99 | $192 |
| R/T Hemi Orange Sport Utility 4d | $100 | $195 |
| Gt | $100 | $195 |
| R/T Plus Sport Utility 4d | $101 | $196 |
| Sxt Plus | $102 | $199 |
| R/T Premium Sport Utility 4d | $105 | $205 |
| Rallye Sport Utility 4d | $106 | $204 |
| Gt Plus | $112 | $218 |
| Gt Premium | $121 | $234 |
| Gt Rallye Sport Utility 4d | $121 | $234 |
| R/T | $125 | $244 |
| Citadel | $126 | $246 |
| Srt 392 Sport Utility 4d | $129 | $251 |
| R/T Plus | $132 | $256 |
| R/T Premium | $141 | $274 |
| Srt 392 Plus Sport Utility 4d | $143 | $277 |
| Srt 392 Premium Sport Utility 4d | $147 | $287 |
| Srt Hellcat Sport Utility 4d | $151 | $293 |
| R/T 20th Anniversary Plus | $155 | $301 |
| R/T 20th Anniversary Premium | $163 | $318 |
| Srt 392 | $183 | $355 |
| Srt Hellcat Plus Sport Utility 4d | $186 | $362 |
| Srt Hellcat Premium Sport Utility 4d | $194 | $378 |
| Srt 392 Plus | $197 | $384 |
| Srt 392 Premium | $207 | $403 |
| Srt 392 Alchemi | $220 | $428 |
| Srt Hellcat | $226 | $439 |
| Srt Hellcat Plus | $252 | $491 |
| Srt Hellcat Brass Monkey | $256 | $498 |
| Srt Hellcat Hammerhead | $256 | $498 |
| Srt Hellcat Premium | $260 | $505 |
| Srt Hellcat Silver Bullet | $287 | $558 |
How to Lower the Cost of Dodge Durango Insurance
We've compiled proven strategies to help you find better rates on your Dodge Durango insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Dodge Durango. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 limits, comprehensive, collision with $500 deductible and gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for SUVs. This benchmark assists with finding the cheapest car insurance companies offering competitive rates. Understanding typical pricing helps you spot genuinely good deals versus inflated quotes when shopping around for coverage.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau records and confirm AM Best financial stability ratings. Budget options could provide limited coverage or slower customer service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Dodge Durango owners often get safety features discounts, multi-vehicle savings, bundling discounts and good driver rewards. Additional savings might include military discounts, student discounts or professional association memberships. These reductions can lower your annual premiums when combined properly.
- 5Consider alternative car insurance types
Durango owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These telematics options monitor factors like hard braking, rapid acceleration and nighttime driving. Safe drivers see meaningful savings through these programs.
- 6Check rates every year
Obtain car insurance quotes from several companies annually to ensure you're getting the best deal. Insurers don't inform you when competitors lower their prices, so yearly comparisons could save up to 24% on your Dodge Durango insurance. Market conditions and company priorities change regularly, making annual shopping essential for maximum savings.
Dodge Durango Insurance Cost: Bottom Line
Dodge Durango insurance runs average compared to other vehicles, though you can still secure affordable rates. Shopping multiple insurers, claiming available discounts and adjusting coverage options helps you find better pricing.
Dodge Durango Insurance Rates: FAQ
What is the average cost of car insurance for a Dodge Durango?
Dodge Durango insurance costs $1,228 annually for state minimum coverage and $2,384 yearly for full coverage. These rates represent solid value compared to national averages for SUV insurance.
What company has the cheapest car insurance for a Dodge Durango?
Geico provides the most affordable auto insurance for a Dodge Durango at $854 annually for minimum coverage. Drivers seeking full coverage will also find Geico offers the best value at $1,854 per year.
Are Dodge Durangos expensive to insure?
No, Dodge Durango insurance is not more expensive than most vehicles. Among SUVs, this model places 145th out of 256 for affordability. Out of 827 vehicles we track, the Durango sits at 513th for insurance costs.
What factors affect insurance costs for Dodge Durangos?
Various factors affect your Dodge Durango insurance rates. Your personal driving record, credit score, and chosen coverage levels impact premiums. The vehicle's size, safety features, and repair costs also influence what insurers charge for coverage.
How can I lower Dodge Durango insurance costs?
Compare quotes from multiple insurers since Dodge Durango pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with other policies, and maintain a clean driving record to secure better rates.
How We Determined Dodge Durango Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Dodge Durango insurance costs.
Who We Based These Rates On
These Dodge Durango rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.