Dodge Durango Insurance Cost

Full coverage for a Dodge Durango costs about $1,770 a year ($148/month) by our estimate — ▲ +11% versus the average vehicle, ranking 199th cheapest of 310 current models.

Dodge Durango exterior (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Dodge Durango insurance cost at a glance

Full coverage

$1,770

$148/mo · $1,455–$2,090

Minimum liability

$655

$54/mo

Segment

Large SUV

Gasoline, Hybrid, Flex-fuel

HLDI collision losses

107

Worse than average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Dodge Durango.

Estimated Dodge Durango premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$655	$54	$535–$770
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$945	$79	$775–$1,115
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,770	$148	$1,455–$2,090

What drives the cost of insuring a Dodge Durango

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Dodge Durango's results put our vehicle factor at 1.06× for liability, 1.07× for collision and 1.38× for comprehensive.

HLDI relative insurance losses — Dodge Durango 4dr 4WD (Large SUVs)
Coverage	Index	Rating	What it measures
Collision	107	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	142	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	110	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	111	Worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	116	Worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	105	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (4)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Dodge Durango 4dr 4WD	107	142	110	111
Dodge Durango 4dr	107	108	99	146
Dodge Durango SRT 4dr 4WD	163	801	105	—
Dodge Durango SRT Hellcat 4dr	138	1080	—	—

Repair and parts costs: Large SUV — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 3★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 0 NHTSA recall campaigns and 21 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Dodge Durango trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Durango AWD	AWD	3.6L 6-cyl	20
Durango AWD	AWD	5.7L 8-cyl	17
Durango AWD	AWD	6.2L 8-cyl Supercharged	13
Durango AWD	AWD	6.4L 8-cyl	15
Durango RWD	RWD	3.6L 6-cyl	20

Dodge Durango insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	3.6L 6-cyl, 5.7L 8-cyl, 6.2L 8-cyl Supercharged	AWD, RWD	13–20	$1,770
2026	3.6L 6-cyl, 5.7L 8-cyl, 6.2L 8-cyl Supercharged	AWD, RWD	13–20	$1,735
2025	3.6L 6-cyl, 5.7L 8-cyl, 6.2L 8-cyl Supercharged	AWD, RWD	13–20	$1,700
2024	3.6L 6-cyl, 5.7L 8-cyl, 6.2L 8-cyl Supercharged	AWD, RWD	13–21	$1,660
2023	3.6L 6-cyl, 5.7L 8-cyl, 6.2L 8-cyl Supercharged	AWD, RWD	13–21	$1,625
2022	3.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cyl	AWD, RWD	15–21	$1,585
2021	3.6L 6-cyl, 5.7L 8-cyl, 6.2L 8-cyl Supercharged	AWD, RWD	13–21	$1,550
2020	3.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cyl	AWD, RWD	15–21	$1,510
2019	3.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cyl	AWD, RWD	15–21	$1,475
2018	3.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cyl	AWD, RWD	15–21	$1,440
2017	3.6L 6-cyl, 5.7L 8-cyl	4WD, AWD, RWD	17–21	$1,400
2016	3.6L 6-cyl, 5.7L 8-cyl	4WD, AWD, RWD	17–21	$1,365
2015	3.6L 6-cyl, 5.7L 8-cyl	4WD, AWD, RWD	16–20	$1,360
2014	3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	16–20	$1,360
2013	3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	15–19	$1,360
2012	3.6L 6-cyl, 5.7L 8-cyl	4WD, AWD, RWD	15–19	$1,360
2011	3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	15–19	$1,360
2009	3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD/AWD, RWD	15–21	$1,360
2008	3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD/AWD, RWD	15–16	$1,360
2007	3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD/AWD, RWD	14–16	$1,360

Dodge Durango insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Durango page for that state.

State	Full coverage	Minimum	vs. national	Durango page
Alabama	$1,555	$510	−12%	Durango in AL
Alaska	$1,540	$665	−13%	Durango in AK
Arizona	$1,865	$700	+5%	Durango in AZ
Arkansas	$1,595	$475	−10%	Durango in AR
California	$1,705	$610	−4%	Durango in CA
Colorado	$2,075	$695	+17%	Durango in CO
Connecticut	$1,855	$755	+5%	Durango in CT
Delaware	$1,945	$855	+10%	Durango in DE
District of Columbia	$2,220	$790	+25%	Durango in DC
Florida	$2,485	$1,145	+40%	Durango in FL
Georgia	$2,165	$925	+22%	Durango in GA
Hawaii	$1,205	$460	−32%	Durango in HI
Idaho	$1,210	$425	−32%	Durango in ID
Illinois	$1,540	$530	−13%	Durango in IL
Indiana	$1,265	$430	−29%	Durango in IN
Iowa	$1,260	$330	−29%	Durango in IA
Kansas	$1,475	$430	−17%	Durango in KS
Kentucky	$1,495	$560	−16%	Durango in KY
Louisiana	$2,455	$840	+39%	Durango in LA
Maine	$1,135	$450	−36%	Durango in ME
Maryland	$1,970	$800	+11%	Durango in MD
Massachusetts	$1,725	$630	−3%	Durango in MA
Michigan	$1,920	$815	+8%	Durango in MI
Minnesota	$1,525	$500	−14%	Durango in MN
Mississippi	$1,725	$565	−3%	Durango in MS
Missouri	$1,645	$545	−7%	Durango in MO
Montana	$1,480	$420	−16%	Durango in MT
Nebraska	$1,475	$430	−17%	Durango in NE
Nevada	$1,980	$920	+12%	Durango in NV
New Hampshire	$1,260	$425	−29%	Durango in NH
New Jersey	$2,090	$995	+18%	Durango in NJ
New Mexico	$1,605	$555	−9%	Durango in NM
New York	$2,345	$990	+32%	Durango in NY
North Carolina	$1,335	$475	−25%	Durango in NC
North Dakota	$1,195	$295	−32%	Durango in ND
Ohio	$1,275	$430	−28%	Durango in OH
Oklahoma	$1,645	$500	−7%	Durango in OK
Oregon	$1,570	$665	−11%	Durango in OR
Pennsylvania	$1,560	$450	−12%	Durango in PA
Rhode Island	$2,100	$870	+19%	Durango in RI
South Carolina	$1,890	$780	+7%	Durango in SC
South Dakota	$1,465	$335	−17%	Durango in SD
Tennessee	$1,485	$480	−16%	Durango in TN
Texas	$2,145	$735	+21%	Durango in TX
Utah	$1,585	$695	−10%	Durango in UT
Vermont	$1,165	$340	−34%	Durango in VT
Virginia	$1,525	$665	−14%	Durango in VA
Washington	$1,520	$625	−14%	Durango in WA
West Virginia	$1,520	$465	−14%	Durango in WV
Wisconsin	$1,240	$395	−30%	Durango in WI
Wyoming	$1,485	$345	−16%	Durango in WY

Dodge Durango insurance by driver profile

Estimated annual Dodge Durango premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,795	$2,600	$4,875	$406
Young adult (22)	$1,045	$1,515	$2,835	$236
Adult in their 30s	$655	$945	$1,770	$148
Adult in their 50s	$600	$870	$1,630	$136
Senior (72)	$730	$1,060	$1,985	$165
30s, one at-fault accident	$945	$1,370	$2,570	$214
30s, DUI on record	$1,205	$1,750	$3,280	$273

Dodge Durango vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Dodge Durango	$1,770	107	142	—
Tesla Model X	$2,105	218	157	Compare
Toyota Sequoia	$1,515	104	141	Compare
Chevrolet Suburban	$1,610	91	95	Compare

Estimate Dodge Durango insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Dodge models

Charger $1,635/yr
Hornet $1,710/yr
Challenger $1,705/yr
Grand Caravan $1,250/yr
Journey $1,320/yr
Viper $1,490/yr
Dart $1,220/yr
Avenger $1,255/yr
Caliber $1,245/yr
Dakota $1,240/yr
Nitro $1,165/yr
Ram 1500 $1,240/yr
Magnum $1,190/yr
Stratus $1,255/yr
Neon $1,245/yr

All Dodge insurance costs →

Frequently asked questions

How much is insurance for a Dodge Durango?

We estimate about $1,770 a year ($148 a month) for full coverage and $655 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 11% more than the average vehicle.

Is the Dodge Durango expensive to insure?

HLDI insurance-loss data rates it at 107 for collision and 142 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Dodge Durango?

Maine has the lowest estimate (about $1,135 a year for full coverage) and Florida the highest (about $2,485).

What is the Dodge Durango's NHTSA safety rating?

The 2026 Dodge Durango earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Dodge Durango cheaper to insure than the Tesla Model X?

By our estimate the Dodge Durango costs about $1,770 a year versus $2,165 for the Tesla Model X, making it the cheaper of the two to insure.

How much is Dodge Durango insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,875 a year at national-average rates by our estimate.

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.

Sources used on this page