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Compare quotes for Dodge Durango car insurance cost, 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Dodge Durango owners is $1,977 a year. However, exact rates vary from model to model: for instance, the D-Series D150 costs $571 more per year to insure than the Caravan C/V

Dodge Durango car insurance cost

One of the primary determining factors for your Dodge Durango insurance rate is the age of your vehicle. Here's how much it costs to insure your Durango by car year:
Model year
Average Cost
Annual Savings with Jerry
2001$1,817$516
2000$2,582$832
1999$2,124$697
1998$1,975$612
If you drive a Dodge Durango , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Dodge Durango

If you drive a Dodge, you probably put a high value on the things Dodge does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Dodge Durango drivers.
Insurance company
Average Cost
Annual Savings with Jerry
AAA$2,057$901
Nationwide$2,084$784
Assurance America$1,652$699
Mercury$1,950$596
Gainsco$1,524$584
State Auto$1,916$535
Kemper$1,555$525
Plymouth Rock$1,850$518
Allstate$1,512$509
Safeco$1,729$486

Compare car insurance quotes for Dodge Durango

But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Dodge insurance in the app!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
November 21, 202234239FLSarasotaCharlotte P.26Bristol West$2,880$1,696
November 7, 202233042FLSummerland KeyPauline C.31Progressive$1,680$1,008
October 29, 202232426FLCampbelltonEva H.59Bristol West$2,208$1,574
October 22, 202229669SCPelzerJim H.36Progressive$1,800$850
October 21, 202233460FLLake WorthFrances V.39Bristol West$2,700$1,784

Best car insurance companies for Dodge Durango drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,993$610
Speeding over 15$3,429$1,435
Driving on Sus. License$2,592$1,169
DUI$2,201$995
Speeding under 15$2,405$530
Failure to Obey Traffic Sign$2,237$402
Other$3,511$1,208

How much does Dodge Durango insurance go up after a DUI?

If you get a DUI while driving your Durango, you can expect your premium to increase by an average of 12%.

How much does Dodge Durango insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your Durango, your insurance premium could increase by an average of 39%

Best Car Insurance for Dodge Durango by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $12 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Dodge Durango by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Dodge Durango drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
November 25, 2022Dodge Charger R/T$472/mo.$85/mo.74631OKShawn S.28Progressive
December 3, 2022Buick Encore Essence$166/mo.$146/mo.46953INCecilia L.23Progressive
November 29, 2022Subaru Impreza$239/mo.$161/mo.63052MOMae V.27Progressive
November 15, 2022Dodge Challenger R/T Scat Pack$345/mo.$186/mo.32832FLCody P.34Progressive
November 22, 2022Acura TL$280/mo.$231/mo.19135PAFloyd I.27AAA

Driving a Dodge Durango

For those looking for a powerful and spacious mid-size SUV, the Dodge Durango is a fantastic option. Equally comfortable towing as it is ferrying the kids around, Dodge’s class-leading vehicle is a versatile machine. Car and Driver has tagged it with a 7/10 rating, and a new version starts at $32,000.The midsize SUV market is competitive. But the Durango has found a niche with its power and luxurious feel, certainly justifying its slightly more expensive price tag relative to the rest of its class. With levels of luxury and performance ranging from the entry level model to the 710 horsepower Hellcat, the Durango is a versatile SUV that can be customized for any situation. And, regardless of which edition you opt for, there are a slew of safety features. Still, regardless of which edition you have your eyes on, the Durango needs to have the right insurance to keep you on the road securely. That’s why car insurance has compiled all there is to know about keeping you safe and secure in a Dodge Durango. widget8 What kind of insurance do I need for a Dodge Durango?No matter what state you’re in, there are some minimum insurance requirements that must be met.Primarily, you're going to need liability insurance. It covers other drivers for any damages if you’re at fault in a collision. Most states have their own specific requirements per person—so check with your insurance provider to see how much financial coverage you’re going to need. But other policies and packages need to be considered, too. While the Durango is a safe and bulky vehicle, it may be expensive to repair. Therefore, the more coverage you have, the better.That doesn’t mean your package has to be too expensive, though. Especially if you use Jerry to compare prices!Either way, here are a few things to keep in mind when picking the right policy for you. Cost A brand new base level Durango comes with a $32,000 price tag. That’s a little above the cost for a standard midsize SUV.For a few extra add ons, that price can rise to $37,000. And if you want a V8 under the hood, and the capacity to go from 0-60 in 3.4 seconds, you’ll spend as much as $81,000. Whether you want the already-impressive base model or the audaciously quick, top-end Durango, it’s important to protect your investment. Therefore, full-coverage insurance is a good idea. That usually includes: Collision coverage. It handles any damage to your vehicle that results from a collision with another vehicle or stationary object. Comprehensive coverage. It pays for any damage sustained as a result of extreme weather, vandalism, theft, or any unexpected incidents.Ultimately, it’s best to prepare for the worst—and full-coverage insurance helps you do just that.MORE: Types of insurance Trim levels The base model of the Durango presents a luxurious interior—especially for an SUV. Comfy bucket seats, a 7-inch central touch screen entertainment system, six speakers, and a spacious third row to seat up to seven passengers.As you rise up through the price brackets, add-ons become more numerous. From more color options to chunkier wheels, there are any number of ways you can upgrade for a bit more cash. And then there’s the top of the range SRT, which comes with a Beats audio system as well as noise cancellation—so you can choose whether to hear the signature growl of that V8 engine.Choosing the right edition isn’t easy. Either way, it’s best to have the maximum amount of coverage should things go wrong. Unfortunately, if you get into an accident and total your new Dodge Durango, insurance will only cover the actual cash value—and thanks to depreciation, it won’t be enough to buy a brand new model. That means you’re actively losing money on your insurance package as you drive around.So, we’d recommend New car replacement insurance, which allows you to get a new or comparable make and model if your car is totaled after a claimable accident. Materials Most of the materials used for the Dodge Durango are fairly standard. It features a central console and steering wheel remarkably similar to other cars under the GM umbrella. There are a few outliers, though. The V8, 710 horsepower engine on the Hellcat, or the carbon fiber roof on the GT, for example, are fairly unique.So, you still need to make sure you have the right kit to repair your car in the event of a collision. Some mechanics might use non-Dodge specific parts to fix up your vehicle—and that could be dangerous.That’s why you should look into Original equipment manufacturer . It ensures that if your car needs to be repaired, the mechanic won’t use aftermarket parts. It also means that your insurance will pay for the cost of OEM parts, which standard policies typically don't cover. > Key Takeaway Go beyond basic liability insurance to protect your Dodge Durango with comprehensive and collision coverage. New car replacement insurance and OEM coverage are also helpful if you get into an accident. widget8 How can I save money when insuring my Dodge Durango?It’s totally normal to want to save a bit of cash on your insurance package. Luckily, there are a few things that could help you cut costs.MORE: The top 10 cheapest SUVs to insure Comparison shop Comparison shopping is the best way to save money on car insurance. Usually, that would mean filling out a ton of forms, making many phone calls, and spending hours talking to agents. But not with Jerry! If you want cheap car insurance quotes fast, go to Jerry. A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.> Key Takeaway Comparison shopping with Jerry is the easiest way to ensure you’re getting the best rate for the insurance coverage you want. Opt for a lower trim level Although the big engine might have a nice rumble, and the leather seats might look good in company pictures, sometimes the more expensive parts aren’t necessary. So, your best bet is to evaluate the potential options, and see where you can cut costs. The good thing is these days you can customize your interior pretty easily when you buy.You can do the same for performance. Perhaps it’s sensible to skip the off Skip the extra features The base-level Durango doesn’t exactly lack comfort and tech. Still, the speakers can always get bigger, trim more extravagant, and seats more heated. The options appear to be endless. However, even if you have the cash for additional bells and whistles, those extras come at a serious insurance cost. Some sound systems even require their own coverage. Look into dropping some of those extras to make your insurance premium a little bit cheaper! Invest in better safety features and anti-theft systems Better safety technology usually minimizes the chances of a collision or at least protects you and your vehicle from serious harm. And the more impressive your features are, the more often insurance companies will give you a break. The Dodge Durango has several options that might be worth looking into. The SXT plus comes with rear parking assist. Other levels feature front collision warnings, lane-departure warnings, blind-spot detection, and advanced brake-assist.An anti-theft system is also standard, with the Durango detecting if your car is in any imminent danger from intruders. MORE: The best vehicle anti-theft devices to keep your car safe Keep a clean driving record The easiest way to keep your premiums down is to prove that you’re a safe driver. That means avoiding speeding, DUIs, reckless driving, and any other major violations. Try to keep minor infractions, like seat belt law violations, off your record, too. If insurance companies see that you’re reliable, your costs should shrink.MORE: Tips to get a clean driving record Look for discounts Insurance companies offer lots of discounts these days. Whether it be having several cars on one policy or maintaining good grades in school, there are many ways to save. You can even pocket some cash by signing up for recurring monthly payments! See how many of those you can rack up to bring your costs down. Remember, not all insurers advertise every single discount—so it never hurts to ask. Jerry will also provide the inside scoop when you sign up! widget3
If you own a Dodge Durango , here’s what you need to know about your vehicle:
  • The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
  • Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
  • If you bought your Dodge Durango new, it’s worth considering new car replacement insurance to protect your investment.
Key Takeaway: The more your Dodge Durango is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Dodge Durango?

The average annual cost to insure a model is $1,977. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

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