Dodge Durango Car Insurance Cost

Looking for a new or used Dodge Durango? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Dodge Durango insurance facts

• Average full coverage auto insurance premium: $144/month

• Most affordable companies: USAA ($88/month) & GEICO ($95/month)

• Durango car insurance cost vs. average rates: $37 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Dodge Durango by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

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Below average Dodge Durango insurer costs by state:

• Arizona car insurance – $1,430 per year

• Kentucky car insurance – $1,546 per year

• Florida car insurance – $2,217 per year

• Louisiana car insurance – $2,176 per year

• New York car insurance – $2,421 per year

• Wisconsin car insurance – $1,382 per year 

Risk factors affecting Dodge Durango car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Dodge Durango car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

• Student discounts

• Safe drivers

• Senior discounts

With all Dodge models, you can get the following car insurance discounts:

• Passive restraint systems

• Anti-lock brakes

• Anti-theft devices

Dodge Automobile Brand

Dodge is an American brand of automobiles specializing in performance sports cars. The large diversified target market of Dodge includes middle-income customers that demand high-end design, sporty vehicle that’s affordable. All Dodge automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Dodge Grand Caravan, Durango, and Charger are some of their most popular vehicles.

Higher than average Durango repair costs equal higher coverage rates

Many consumers are attracted to Dodge’s high-end features, powerful engines, and driver-assist technologies, like Dodge’s Blind Spot Monitoring. Original Equipment Manufacturer (OEM) automotive parts are common but more expensive than popular vehicles, like the Toyota, Honda, or Subaru. Repairing a Dodge is above average since repair parts are more costly than average. For this reason, many Dodge’s are going to have higher than average car insurance rates to similar cars in their class.

Rapid depreciation for Durango affecting auto policies

Another factor to consider for Dodge is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Dodge models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Dodge’s are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such a forward collision warning with active braking technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for Dodge models. The Dodge Ram is the Insurance Institute for Highway Safety (IIHS) “Top Safety Pick,” and the NHTSA consistently gives Dodge automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Dodge automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.