Dodge Durango insurance costs average $102 per month for minimum coverage and $199 monthly for full coverage. Depending on your particular trim and model year, costs can range from $48 to $558 monthly.
Dodge Durango Insurance Cost
Updated: September 24, 2025
Key Takeaways
Dodge Durango insurance costs vary widely from $48 to $558 monthly depending on model year and trim level you choose.
The Durango ranks 513th out of 827 vehicle models for insurance affordability in the United States vehicle market through 2025.
GEICO offers the most affordable full coverage for Dodge Durango owners at $154 monthly, while minimum coverage starts at $71 per month.
How Much Is Dodge Durango Insurance?
| Dodge Durango | $102 | $199 |
Dodge Durango Insurance Cost by Model Year
Your Dodge Durango's model year and available trim options directly impact your insurance rates. Newer models cost more to insure because of their higher fair value. Monthly premiums for Durango coverage span a wide range, from as little as $50 for older models to $343 for the newest years.
| 2025 | $177 | $343 |
| 2024 | $163 | $318 |
| 2023 | $116 | $226 |
| 2022 | $93 | $181 |
| 2021 | $86 | $168 |
| 2020 | $74 | $144 |
| 2019 | $96 | $187 |
| 2018 | $99 | $192 |
| 2017 | $88 | $171 |
| 2016 | $85 | $165 |
| 2015 | $85 | $165 |
| 2014 | $96 | $186 |
| 2013 | $88 | $171 |
| 2012 | $92 | $177 |
| 2011 | $87 | $168 |
| 2009 | $83 | $159 |
| 2008 | $86 | $166 |
| 2007 | $83 | $159 |
| 2006 | $78 | $150 |
| 2005 | $66 | $126 |
| 2004 | $59 | $113 |
| 2003 | $55 | $105 |
| 2002 | $53 | $101 |
| 2001 | $52 | $100 |
| 2000 | $50 | $95 |
Dodge Durango Insurance Cost by Trim
Your Dodge Durango's trim dramatically affects insurance costs based on features, performance capabilities and replacement value. Basic trims like the Sport Utility start around $49 monthly, while high-performance variants like the SRT Hellcat can cost $558 monthly for full coverage.
| 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 |
Compare Personalized Dodge Durango Insurance Costs
We broke down Dodge Durango insurance costs by model year and trim for personalized rate estimates.
Data filtered by:Results filtered by:
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Model Year:2000
Select
Trim:Sport Utility 4d
| Sport Utility 4d | $48 | $92 |
Dodge Durango Insurance Cost by Company
Dodge Durango insurance costs vary by provider from $113 to $255 monthly. Minimum coverage ranges from $71 to $163, while full coverage costs $154 to $365. Rates vary due to different risk assessment models.
| AAA | $112 | $232 |
| AIG | $145 | $365 |
| Allstate | $127 | $245 |
| Amica | $124 | $253 |
| Chubb | $145 | $287 |
| Farmers | $150 | $266 |
| GEICO | $71 | $154 |
| Kemper | $103 | $207 |
| Nationwide | $119 | $205 |
| Progressive | $99 | $184 |
| State Farm | $97 | $202 |
| The Hartford | $113 | $192 |
| Travelers | $94 | $173 |
| UAIC | $163 | $206 |
Dodge Durango Insurance Cost by State
Car insurance for a Dodge Durango varies dramatically by location, from as low as $38 monthly in Wyoming to $428 monthly in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, dramatically affects Dodge Durango insurance costs. Adult drivers between 26-64 with clean records pay around $150 monthly, while young drivers under 25 face rates as high as $382 per month even without violations.
| Adult Drivers | $102 | $199 |
| Young Drivers | $261 | $502 |
| Senior Drivers | $137 | $251 |
| Drivers With a Speeding Ticket | $128 | $250 |
| Drivers With an Accident | $151 | $290 |
| Drivers With a DUI | $189 | $362 |
| Drivers With Bad Credit | $245 | $492 |
Is a Dodge Durango Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Dodge Durango ranks 513th out of 827, making it one of the more expensive cars to insure. Among full-size SUVs, the model ranks as the third most expensive out of 13.
| Isuzu Trooper | $57 | $109 |
| Hummer H2 | $72 | $140 |
| Chevrolet Suburban | $74 | $144 |
| Gmc Yukon | $82 | $160 |
| Nissan Armada | $84 | $162 |
| Ford Expedition | $83 | $162 |
| Gmc Yukon XL | $84 | $162 |
| Chevrolet Tahoe | $87 | $168 |
| Toyota Sequoia | $89 | $173 |
| Hummer H3 | $90 | $173 |
| Dodge Durango | $102 | $199 |
| Hummer H1 | $123 | $238 |
| Gmc Hummer EV | $145 | $285 |
Factors That Affect Dodge Car Insurance Costs
Several factors affect what you'll pay for Dodge Durango insurance coverage:
Average Repair or Replacement Costs
Dodge ranks 16th in repair affordability among 59 U.S. automakers with median annual costs of $856. Dodge Durango repair costs average $973 annually, making it one of the more expensive Dodge models to repair.
Vehicle Trim, Features and Accessories
The Dodge Durango's performance-oriented trims (295 hp V6, 360 hp 5.7L HEMI V8, 475 hp 6.4L HEMI V8, or flagship SRT Hellcat's 710 hp supercharged 6.2L V8) contribute to higher insurance premiums.
Higher trim levels like R/T and SRT Hellcat cost more to insure due to advanced performance features, luxury appointments, and substantially higher replacement values reaching over $100,000.
Fuel Type
Dodge Durangos run on gasoline, with V8 engines requiring premium fuel for optimal performance. The SRT Hellcat achieves only 12 mpg city/17 mpg highway, making fuel costs an operating expense.
Insurance companies factor fuel type and efficiency into risk assessment, with performance-oriented gasoline SUVs typically facing higher premiums due to driving behavior patterns.
Location
Dodge Durango owners are concentrated in regions with strong domestic SUV preferences, including Michigan (assembly location), Texas and suburban areas nationwide.
The Durango is built at Jefferson North Assembly Plant in Detroit since 2011. Regional rates vary due to state regulations, weather risks, crime rates and accident statistics, with urban areas seeing increased costs.
Driver Profile
Most Dodge Durango drivers are middle-aged families (35 to 50 median) with household incomes of about $62,000 to $75,000. This demographic receives moderate rates due to family-oriented driving patterns and stable employment.
Driver demographics affect Dodge Durango rates:
• Age (35 to 50 median): Prime family years with responsible driving patterns.
• Gender (65% male): Male ownership correlates with performance and towing preferences.
• Income ($62,000 to $75,000): Middle-class families with stable credit and employment.
Cheapest Dodge Durango Insurance Companies
GEICO offers Durango drivers the most affordable full coverage car insurance with monthly premiums of $154. For drivers who only need minimum coverage, GEICO remains the cheapest option at $71 monthly.
| GEICO | $71 | $154 |
| Travelers | $94 | $173 |
| Progressive | $99 | $184 |
| State Farm | $97 | $202 |
| The Hartford | $113 | $192 |
Cheapest Dodge Durango Insurance by State
Overall, we found that the following are the top three cheapest car insurance providers for a Dodge Durango:
- GEICO: Wins for affordability in 14 states
- Auto-Owners: Wins for affordability in 7 states
- State Farm: Wins for affordability in 5 states
You can filter below to see who offers the most affordable auto insurance rates for your Dodge Durango.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Cincinnati Insurance | $48 |
How to Get the Best Cheap Dodge Durango Insurance
Below we explore the most effective ways to secure affordable Dodge Durango insurance:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Dodge's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Dodge Durango, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Dodge Durango owners will qualify for:
- Multi-Policy/Bundling Discount (10% to 25% savings): With Durango owners' median annual household income matching the midsize SUV segment overall, most own homes and can bundle auto insurance with homeowners coverage for substantial savings.
- Multi-Vehicle Discount (8% to 25% savings): Family-oriented Durango buyers often have multiple vehicles in their household, making them prime candidates for multi-car discounts that can reduce total premium costs.
- Safety Features Discount (5% to 15% savings): The 2024 Durango earned a 4-star NHTSA safety rating and comes with blind-spot monitoring, rear cross-traffic alert, and available LaneSense Lane Departure Warning with Lane Keep Assist that help you avoid crashes.
- Good Driver Discount (10% to 30% savings): Durango buyers are younger than typical SUV owners (median age 48 vs. 56 for the segment) but still mature enough to maintain clean driving records that qualify for substantial good driver discounts.
- Towing/Usage-Based Discount (5% to 20% savings): With best-in-class towing capacity up to 8,700 pounds, many Durango owners use it for recreational towing rather than daily commuting, potentially qualifying for low-mileage or usage-based insurance discounts.
- 5
Consider alternative car insurance types
Dodge Durango owners should consider usage-based insurance or programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Dodge Durango insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Dodge Durango Insurance Cost: Bottom Line
Insuring a Dodge Durango costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Dodge Durango Insurance Rates: FAQ
Below are answers to common questions about insuring a Dodge Durango.
What is the average cost of car insurance for a Dodge Durango?
The Dodge Durango's average annual insurance cost is $1,228 for minimum coverage and $2,384 for full coverage.
What company has the cheapest car insurance for a Dodge Durango?
GEICO offers Durango drivers the most affordable full coverage car insurance with monthly premiums of $154. For drivers who only need minimum coverage, GEICO remains the cheapest option at $71 monthly.
Are Dodge Durangos expensive to insure?
Yes, Dodge Durango insurance costs more than most cars. Out of 827 vehicles we track, the Durango ranks 513th for affordability. Among full-size SUVs, it's also one of the more expensive models to insure.
What factors affect insurance costs for Dodge Durangos?
Several things drive up your Dodge Durango rates. Repairs cost more because of specialized parts and the steel body construction. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or weather risks may pay more for insurance.
How can I lower Dodge Durango insurance costs?
Shop around with multiple insurers as rates vary for Durangos, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Dodge Durango Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Dodge Durango insurance costs.
Who We Based These Rates On
These Dodge Durango prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.