Dodge Durango vs Rivian R1S Insurance Cost
The Dodge Durango is cheaper to insure by about $155 a year for full coverage by our estimate ($1,770 vs. $1,925), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Dodge Durango | Rivian R1S | Difference |
|---|---|---|---|
| State minimum | $655 | $580 | +$75 |
| Standard (100/300/100) | $945 | $840 | +$105 |
| Full coverage | $1,770 | $1,925 | −$155 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Durango minus R1S.
Why one costs more to insure
| Factor | Dodge Durango | Rivian R1S |
|---|---|---|
| Segment | Large SUV | Large SUV |
| Powertrains | Gasoline, Hybrid, Flex-fuel | Electric |
| HLDI collision (100 = avg) | 107 | 173 |
| HLDI comprehensive | 142 | 136 |
| HLDI property damage liability | 110 | 113 |
| HLDI bodily injury liability | 111 | 69 |
| NHTSA overall rating | 4★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 0 | 11 |
Collision losses are the biggest swing factor: the Rivian R1S has 66 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Durango vs R1S insurance by state
By driver profile (full coverage)
| Driver | Durango | R1S |
|---|---|---|
| Teen driver (18, own policy) | $4,875 | $5,300 |
| Young adult (22) | $2,835 | $3,085 |
| Adult in their 30s | $1,770 | $1,925 |
| Adult in their 50s | $1,630 | $1,775 |
| Senior (72) | $1,985 | $2,160 |
| 30s, one at-fault accident | $2,570 | $2,795 |
| 30s, DUI on record | $3,280 | $3,565 |
More comparisons
Frequently asked questions
Is the Dodge Durango or the Rivian R1S cheaper to insure?
By our estimate the Dodge Durango is cheaper, by about $155 a year for full coverage ($1,770 vs. $1,925) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Dodge Durango and Rivian R1S?
Mostly because of insurance-loss history: HLDI collision indices of 107 vs. 173 and comprehensive indices of 142 vs. 136 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.