The Dodge Durango is a full-size SUV that first debuted in the U.S. in 1997. The 2026 Durango features three rows of passenger seating and more than 85 cubic feet of cargo space. No matter what type of Dodge Durango you drive, it must be protected by the right car insurance.
When you're ready to shop for Durango insurance, a local independent insurance agent can also help you find the best coverage. They know which carriers offer quality Dodge insurance at a great rate. But first, here's a breakdown of Dodge Durango insurance costs by model year and top-rated insurance company for 2026.
Key Takeaways - Dodge Durango Insurance
Dodge Durango insurance costs an average of $2,384 per year, or about $199 per month, for full coverage in 2026.
Dodge Durango insurance rates vary widely by state, with drivers in Wyoming paying an average of only $38 per month for minimum coverage, while those in Louisiana pay $197.
Progressive, American Family, and USAA are the cheapest carriers for model-year 2025 Dodge Durango insurance this year.
Young drivers pay by far the most, on average, for Dodge Durango insurance, while adults pay much lower rates until they reach their senior years.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Dodge Durango model.
What Is Dodge Durango Insurance?
Dodge Durango insurance is a special type of car insurance policy that tailors coverage specifically to your unique vehicle. As a full-size SUV, your Durango may need additional protection compared to a sedan. However, the Durango's average car insurance rates tend to be cheaper than those for other SUVs.
Recommended coverage options for Dodge Durango drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Dodge Durango:
- Dodge warranty insurance: This can extend Dodge's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Dodge parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Dodge vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
A local independent insurance agent can help you get set up with all the required coverage for a Dodge Durango in your state. They can help you compare the most affordable coverage for a Dodge Durango GT, a Dodge Durango RT, or whichever model you drive.
How Much Does Dodge Durango Insurance Cost?
The average cost of full coverage car insurance for a Dodge Durango is $2,384 per year, or about $199 per month. Minimum coverage for a Dodge Durango averages $1,228 annually, or about $102 monthly.
However, several factors can influence the cost of Dodge insurance, including:
- The specific type of Durango you drive
- Your claims history
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your location
- Your driving history
An independent insurance agent can help you find affordable Dodge Durango insurance near you.
Is the Dodge Durango Expensive to Insure?
No, the Dodge Durango isn't expensive to insure when compared to similar vehicles. The Durango's average monthly insurance cost is $150, which is the same as the Fiat 500X, the Volvo XC40 Recharge, and the Audi SQ5.
The table below compares the Durango's average monthly insurance cost with several other vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| Volvo XC40 Recharge | $150 |
| Fiat 500X | $150 |
| Audi SQ5 | $150 |
| Dodge Durango | $150 |
| Nissan Kicks | $151 |
| Volvo EX30 | $151 |
| Mercedes GLC | $152 |
Dodge Durango Insurance Costs by Model Year
Next, we'll break down several model years of the Dodge Durango and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Dodge Durango* | $2,314 |
| 2025 Dodge Durango | $2,169 |
| 2024 Dodge Durango | $915 |
| 2023 Dodge Durango | $1,281 |
| 2022 Dodge Durango | $763 |
| 2021 Dodge Durango | $676 |
| 2020 Dodge Durango | $692 |
| 2019 Dodge Durango | $816 |
| 2018 Dodge Durango | $915 |
| 2017 Dodge Durango | $746 |
| 2016 Dodge Durango | $693 |
| 2015 Dodge Durango | $693 |
| 2014 Dodge Durango | $617 |
| 2013 Dodge Durango | $572 |
| 2012 Dodge Durango | $656 |
| 2011 Dodge Durango | $571 |
*Note: The 2026 Durango's average coverage cost is a projection based on the observation of inflation trends and current market data.
Cheapest Dodge Durango Car Insurance Companies for 2026
You can find affordable Durango insurance from many different carriers. These top-rated car insurance companies provide the cheapest model-year 2025 Dodge Durango insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,688 |
| American Family | $1,816 |
| USAA | $1,903 |
| Erie | $2,139 |
| Nationwide | $2,320 |
| Allstate | $4,959 |
Dodge Durango Car Insurance Rates by State
Your state can significantly affect the cost of your car insurance. Here are some average Dodge Durango car insurance rates by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $86 | $164 |
| Alaska | $72 | $152 |
| Arizona | $123 | $229 |
| Arkansas | $86 | $192 |
| California | $97 | $197 |
| Colorado | $98 | $234 |
| Connecticut | $139 | $241 |
| Delaware | $140 | $235 |
| Florida | $128 | $297 |
| Georgia | $147 | $242 |
| Hawaii | $53 | $120 |
| Idaho | $56 | $114 |
| Illinois | $93 | $174 |
| Indiana | $66 | $129 |
| Iowa | $59 | $141 |
| Kansas | $74 | $173 |
| Kentucky | $123 | $210 |
| Louisiana | $197 | $428 |
| Maine | $53 | $109 |
| Maryland | $159 | $268 |
| Massachusetts | $103 | $217 |
| Michigan | $159 | $306 |
| Minnesota | $83 | $173 |
| Mississippi | $89 | $177 |
| Missouri | $118 | $236 |
| Montana | $72 | $172 |
| Nebraska | $74 | $168 |
| Nevada | $179 | $324 |
| New Hampshire | $72 | $127 |
| New Jersey | $162 | $266 |
| New Mexico | $83 | $186 |
| New York | $125 | $225 |
| North Carolina | $83 | $163 |
| North Dakota | $61 | $133 |
| Ohio | $77 | $151 |
| Oklahoma | $95 | $212 |
| Oregon | $123 | $215 |
| Pennsylvania | $88 | $207 |
| Rhode Island | $125 | $223 |
| South Carolina | $101 | $189 |
| South Dakota | $56 | $171 |
| Tennessee | $81 | $163 |
| Texas | $127 | $261 |
| Utah | $109 | $185 |
| Vermont | $46 | $110 |
| Virginia | $94 | $152 |
| Washington | $92 | $171 |
| West Virginia | $86 | $176 |
| Wisconsin | $68 | $149 |
| Wyoming | $38 | $120 |
Average Dodge Durango Insurance Rates by Age and Driver Profile
A driver's age, driving history, and credit can also significantly affect auto insurance costs. While teens and young drivers pay the most for coverage, older adults pay significantly less until they reach their senior years.
Here are some average Dodge Durango insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,558 | $11,098 | $13,026 |
| 20 | $5,818 | $8,604 | $10,025 |
| 25 | $3,401 | $5,012 | $5,862 |
| 30 | $2,647 | $3,925 | $4,552 |
| 35 | $2,500 | $3,686 | $4,280 |
| 40 | $2,353 | $3,528 | $4,152 |
| 45 | $2,316 | $3,407 | $4,014 |
| 55 | $2,166 | $3,098 | $3,667 |
| 65 | $2,254 | $3,261 | $3,796 |
| 75 | $2,860 | $4,136 | $4,865 |
Average Dodge Durango Insurance Rates by Trim Level
Your vehicle's specific trim can also influence its insurance rates. Here are some average Dodge Durango car insurance costs by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Sport Utility 4d | $49 | $94 |
| Sport Suv 4d | $50 | $96 |
| St Sport Utility 4d | $57 | $109 |
| Se Sport Utility 4d | $74 | $143 |
| Sxt Sport Utility 4d | $77 | $148 |
| Limited Sport Utility 4d | $78 | $150 |
| Slt Sport Utility 4d | $78 | $150 |
| Sxt Launch Edition Sport Utility 4d | $79 | $153 |
| Heat Sport Utility 4d | $81 | $158 |
| Sxt Plus Sport Utility 4d | $82 | $159 |
| Gt Plus Sport Utility 4d | $82 | $159 |
| Adventurer Sport Utility 4d | $82 | $158 |
| Gt Sport Utility 4d | $83 | $161 |
| Gt Launch Edition Sport Utility 4d | $83 | $162 |
| R/T Sport Utility 4d | $84 | $163 |
| Sxt | $98 | $192 |
| Srt Sport Utility 4d | $99 | $192 |
| R/T Hemi Orange Sport Utility 4d | $100 | $195 |
| Gt | $100 | $195 |
| R/T Plus Sport Utility 4d | $101 | $196 |
| Sxt Plus | $102 | $199 |
| R/T Premium Sport Utility 4d | $105 | $205 |
| Rallye Sport Utility 4d | $106 | $204 |
| Gt Plus | $112 | $218 |
| Gt Premium | $121 | $234 |
| Gt Rallye Sport Utility 4d | $121 | $234 |
| R/T | $125 | $244 |
| Citadel | $126 | $246 |
| Srt 392 Sport Utility 4d | $129 | $251 |
| R/T Plus | $132 | $256 |
| R/T Premium | $141 | $274 |
| Srt 392 Plus Sport Utility 4d | $143 | $277 |
| Srt 392 Premium Sport Utility 4d | $147 | $287 |
| Srt Hellcat Sport Utility 4d | $151 | $293 |
| R/T 20th Anniversary Plus | $155 | $301 |
| R/T 20th Anniversary Premium | $163 | $318 |
| Srt 392 | $183 | $355 |
| Srt 392 Plus | $197 | $384 |
| Srt 392 Premium | $207 | $403 |
| Srt 392 Alchemi | $220 | $428 |
| Srt Hellcat | $226 | $439 |
Best Dodge Durango Insurance Discounts: How to Lower Your Dodge Durango Insurance Premiums
Dodge Durango insurance may already be affordable, but there are ways you can potentially save even more money on your coverage. Follow any of these easy tips to increase your savings today:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Dodge may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about Dodge Durango insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Dodge Durango insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Dodge Durango insurance from a trusted carrier near you.
A local independent insurance agent can help you find the cheapest Dodge Durango insurance in your area and also recommend additional strategies to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Dodge Durango Insurance Quotes
When it's time to find the most affordable Dodge Durango insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Dodge Durango coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Dodge Durango Insurance
How much does Dodge Durango insurance cost per year?
The average annual cost of full coverage for a Dodge Durango is $2,384 per year, or about $199 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Dodge Durango insurance premiums?
Having traffic violations or accidents on your record, poor credit, or car insurance claims already on your record can all increase the cost of Dodge Durango insurance.
Is the Dodge Durango expensive to insure?
No, the Dodge Durango isn't expensive to insure when compared to similar vehicles. The Durango's average monthly insurance cost of $150 is the same as that for the Fiat 500X, the Volvo XC40 Recharge, and the Audi SQ5.
What are the best and cheapest carriers for Dodge Durango insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2025 Dodge Durango insurance this year.
How can I get cheaper Dodge Durango insurance?
Finding cheaper Dodge Durango insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
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Sources
https://www.insuranceopedia.com/auto-insurance/dodge-durango-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/dodge/durango/
https://www.moneygeek.com/insurance/auto/dodge-durango-insurance/