Dodge Durango car insurance: cost and quotes

How much does it cost to insure a Dodge Durango? 

Full coverage for a Dodge Durango costs an average of $2,668 per year, which is 0 percent more than the national average, according to our analysis of data from Quadrant Information Services. A minimum coverage policy for a Dodge Durango costs an average of $855 annually, 7 percent more than the national average. Car insurance rates aren't standardized; they change based on different rating factors, including the type of car you drive. Your vehicle's safety features, repair costs and safety ratings will all impact your cost of coverage in addition to your personal driver characteristics. 

Cheapest car insurance companies for a Dodge Durango

There's usually not one car insurance company that writes the cheapest Dodge Durango policy. Car insurance pricing is personal; factors like your age, credit history, driving record and ZIP code can all play a role in determining your premium. One company may be more lenient with low credit ratings but heavily surcharge drivers with speeding tickets. Shopping around and comparing quotes can help you hone in on which company is best for you. We complied average car insurance premiums for the Dodge Durango from companies with broad coverage options, discount variety, strong customer service and high financial strength ratings. 

How much does it cost to insure my Dodge Durango?

Insurance costs will vary depending on the company that writes your policy. Each insurer uses its own underwriting method to set your premium, which is why it's so important to compare prices before choosing a policy.

Other car insurance coverage for a Dodge Durango

Carrying just your state's minimum insurance requirements could leave you financially exposed. For instance, data from the Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) found that the Durango caused more property damage than average in an accident. So, if you were at-fault for an accident and had a lower property damage liability limit, it's possible that your minimum coverage insurance won't be high enough. If you're in the market for a Dodge Durango, you might want to consider carrying a higher property damage liability and optional coverage types. Some to consider are: 

• Comprehensive insurance: Covers theft, weather damage, animal collisions and falling objects. Not mandated by states, but if you have a loan on your vehicle, your financial lender may require it.
• Collision insurance: Pays for repairs to your vehicle after an accident — excluding animal collisions. Like comprehensive coverage, it's not required by states but could be required by your lender.
• Gap insurance: If you used a loan to purchase your vehicle, and that vehicle is totaled, gap insurance can help cover the difference between your insurance payout and the remaining loan balance. 

How to get a Dodge Durango car insurance quote

You can get an insurance quote for your Dodge Durango online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

• Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model. 
• Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
• Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
• Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs. 
• Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Frequently asked questions

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics: