If you’re looking for insurance for your Dodge Durango in 2025, you’re in the right place. Car insurance rates for the Dodge Durango depend on factors like your driving record, location and car model year.
On average, insuring a 2023 Dodge Durango costs around $2,452 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Durango might cost slightly less, around $2,260 per year, while insuring a 2018 model could be even more budget-friendly at $2,102 annually.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Dodge Durango.
What is the cost to insure your Dodge Durango in 2025?
On average, insuring a Dodge Durango costs $207 per month – or $2,482 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Dodge Durango
State Farm offers the lowest car insurance rates for your Dodge Durango, with an average cost of $2,102 per year or $175 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Dodge Durango.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,102 | $1,051 | $175 |
| Geico | $2,186 | $1,093 | $182 |
| Progressive | $2,226 | $1,113 | $185 |
| Nationwide | $2,294 | $1,147 | $191 |
| Farmers | $3,032 | $1,516 | $253 |
| Allstate | $3,160 | $1,580 | $263 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Dodge Durango car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Dodge Durango will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Dodge Durango, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,847 | $924 | $154 |
| 2015 | $1,943 | $972 | $162 |
| 2016 | $1,976 | $988 | $165 |
| 2017 | $2,035 | $1,017 | $170 |
| 2018 | $2,102 | $1,051 | $175 |
| 2019 | $2,123 | $1,061 | $177 |
| 2020 | $2,184 | $1,092 | $182 |
| 2021 | $2,260 | $1,130 | $188 |
| 2022 | $2,336 | $1,168 | $195 |
| 2023 | $2,452 | $1,226 | $204 |
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Dodge Durango car insurance rates for different trims
A Dodge Durango’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For instance, higher-end trims, such as the Durango R/T, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Dodge Durango.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Durango SXT | $2,352 | $1,176 | $196 |
| Durango SXT Plus | $2,352 | $1,176 | $196 |
| Durango GT | $2,453 | $1,226 | $204 |
| Durango GT Plus | $2,456 | $1,228 | $205 |
| Durango GT Premium | $2,458 | $1,229 | $205 |
| Durango Citadel | $2,515 | $1,257 | $210 |
| Durango R/T Plus | $2,570 | $1,285 | $214 |
| Durango R/T Premium | $2,571 | $1,286 | $214 |
| Durango R/T | $2,574 | $1,287 | $214 |
Dodge Durango insurance rates: State-by-state breakdown
The cost to insure a Dodge Durango can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Dodge Durango car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,340 | $1,170 | $195 |
| Alabama | $2,346 | $1,173 | $196 |
| Arkansas | $2,604 | $1,302 | $217 |
| Arizona | $2,394 | $1,197 | $199 |
| California | $3,014 | $1,507 | $251 |
| Colorado | $3,255 | $1,628 | $271 |
| Connecticut | $2,576 | $1,288 | $215 |
| Washington, D.C. | $2,908 | $1,454 | $242 |
| Delaware | $2,519 | $1,260 | $210 |
| Florida | $3,109 | $1,555 | $259 |
| Georgia | $3,163 | $1,582 | $264 |
| Hawaii | $1,675 | $838 | $140 |
| Iowa | $2,140 | $1,070 | $178 |
| Idaho | $1,586 | $793 | $132 |
| Illinois | $2,414 | $1,207 | $201 |
| Indiana | $2,201 | $1,100 | $183 |
| Kansas | $2,584 | $1,292 | $215 |
| Kentucky | $3,033 | $1,516 | $253 |
| Louisiana | $4,169 | $2,085 | $347 |
| Massachusetts | $2,349 | $1,174 | $196 |
| Maryland | $2,361 | $1,181 | $197 |
| Maine | $1,691 | $845 | $141 |
| Michigan | $3,280 | $1,640 | $273 |
| Minnesota | $2,721 | $1,361 | $227 |
| Missouri | $3,010 | $1,505 | $251 |
| Mississippi | $2,464 | $1,232 | $205 |
| Montana | $2,604 | $1,302 | $217 |
| North Carolina | $2,382 | $1,191 | $199 |
| North Dakota | $2,137 | $1,069 | $178 |
| Nebraska | $2,657 | $1,328 | $221 |
| New Hampshire | $1,836 | $918 | $153 |
| New Jersey | $2,315 | $1,157 | $193 |
| New Mexico | $2,506 | $1,253 | $209 |
| Nevada | $2,370 | $1,185 | $198 |
| New York | $1,786 | $893 | $149 |
| Ohio | $1,761 | $881 | $147 |
| Oklahoma | $2,674 | $1,337 | $223 |
| Oregon | $2,248 | $1,124 | $187 |
| Pennsylvania | $2,579 | $1,289 | $215 |
| Rhode Island | $2,993 | $1,496 | $249 |
| South Carolina | $2,462 | $1,231 | $205 |
| South Dakota | $3,027 | $1,514 | $252 |
| Tennessee | $2,511 | $1,256 | $209 |
| Texas | $3,663 | $1,831 | $305 |
| Utah | $2,013 | $1,007 | $168 |
| Virginia | $1,747 | $873 | $146 |
| Vermont | $1,675 | $837 | $140 |
| Washington | $2,097 | $1,049 | $175 |
| Wisconsin | $1,875 | $938 | $156 |
| West Virginia | $2,278 | $1,139 | $190 |
| Wyoming | $2,685 | $1,343 | $224 |
How your age impacts Dodge Durango insurance rates
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,049 | $4,525 | $754 |
| Adults | $2,482 | $1,241 | $207 |
The bottom line
Knowing how much it costs to insure a Dodge Durango is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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