Cheap Dodge Durango Car Insurance

The Dodge Durango is one of Dodge’s most popular vehicles. Looking for Dodge Durango car insurance information, but no time to do the research? Get the latest cheap car insurance tips for the Dodge Durango in this extensive vehicle guide. Cheap Dodge Durango car insurance rates average $119/month.

If you want to start comparing Dodge Durango auto insurance rates right now, enter your ZIP code in the free comparison above to get started.

Cheap Car Insurance Rates for Dodge Durango

Shopping for car insurance can take you longer than you think. We’ll help you find and compare Dodge Durango car insurance costs quickly and easily.

Car insurance policy depends on what state you live in and what coverage level you need. The minimum requirements for car insurance are bodily injury liability and property damage liability.

Each state in the country has different minimum requirements.

In some states, the minimum requirements will have additional liabilities such as personal injury protection (PIP), medical payments (MedPay), and uninsured/underinsured motorist coverage (UM/UIM).

This video will explain how uninsured/underinsured motorist coverage works.

The level of coverage and your car insurance coverage options can determine the cost of car insurance for a Dodge Durango. Let’s look at the cost of car insurance for a Dodge Durango.

We want our review to be as recent as possible, so we’ve included the make and model years for the Dodge Durango from the past three years — four years if you count the latest Dodge Durango.

The vehicles are more expensive than most, but the car insurance for the Dodge Durango is affordable. The rates in the table are what you could pay for car insurance within a year.

The total rates are made up of liability, collision, and comprehensive coverage.

Liability car insurance coverage is bodily injury liability and property damage liability together. Some states require additional liability coverage, but if they do, the additional liabilities are automatically added to liability insurance coverage.

The other parts of the total premium are collision and comprehensive coverage. You’ll need both of these coverage options when you lease or finance a car. Lenders want to make sure the car you’re buying or leasing is totally covered in case you are in an at-fault accident or the car suffers heavy property damage.

Regardless of whether you have all three coverages or more on your car, lenders will enroll the car you’re leasing or buying into force-placed car insurance.

Force-placed insurance is car insurance coverage a lender has on a car in case the buyer or leaser doesn’t have enough on their coverage limit.

Your coverage limit depends on the level of coverage you have on your vehicle. If you have the minimum requirement for car insurance on your Dodge Durango, that would be considered low coverage. Medium and high coverage will increase your coverage limit, but it will increase the cost of car insurance.

Car insurance rates are determined by several factors such as credit history, driving record, age, gender, marital status, commute mileage, car insurance provider, make and model year, and of course, coverage level.

What are the liability car insurance rates for the Dodge Durango?

Liability coverage is different for each state. Bodily injury and property damage make up liability insurance. Bodily injury liability is coverage that pays for bodily injury due to an accident, while property damage pays for damage to property (usually a car) due to an accident.

Here’s the average cost of liability car insurance per year for the Dodge Durango.

It’s surprising to see that liability coverage is cheaper as the make and model year becomes more recent. We’ll explain the reasons why this happens later in the guide.

Remember, we mentioned how coverage limits affect the cost of car insurance. Coverage limits are the maximum of what a car insurance provider will pay for due to an accident.

For example, a minimum requirement or low coverage limit will cover $25,000 for bodily injury of one person per accident, $50,000 for bodily injury of multiple people per accident, and $25,000 for property damage per accident. When you’re getting a car insurance quote, the car insurance company will list it as 25/50/25.

Let’s look at some monthly rates based on general bodily injury liability coverage levels.

BI limits are short for bodily injury limits. Car insurance companies will often separate bodily injury and property damage costs, which gives you the option of selecting lower or higher coverage levels for each part of liability coverage.

The coverage level increases your car insurance cost for bodily injury. But what about Dodge Durango car insurance cost for property damage? Is it the same price? We’ll show you four different coverage levels and explain why there are more coverage levels.

Property damage coverage rules look like the average cost of cars. Some cars are worth a lot less than the coverage of the provided coverage limits, but that’s what you need to be sure that your car insurance policy can cover the property damage cost of an accident.

You may need a higher coverage level if the average cost of cars in your local area is above $25,000 or $30,000. A car insurance agent will give you recommendations based on the information they have. Be prepared to pay more per month with a higher coverage level.

What are the comprehensive and collision car insurance rates for the Dodge Durango?

Comprehensive and collision car insurance pay strictly for property damage. They’re basic insurance options that you’ll need when you get a new car. When you add comprehensive and collision coverages to your car insurance policy, it’s considered full coverage.

Collision car insurance coverage pays for damage to your car regardless of who is at fault. Comprehensive car insurance coverage, on the other hand, pays the damage to your car that doesn’t involve a collision.

For example, comprehensive car insurance coverage will pay for flood damage, storm damage, damage from car theft, mechanical fire, and damage from falling objects.

They’re different in what they cover, but are they much different in cost? Let’s look at the Dodge Durango’s comprehensive and collision car insurance cost.

Annual comprehensive rates are much cheaper than the annual collision rates. It makes sense that the car insurance rates go up as the make and model year get more recent. The latest cars are worth more money and cost more to insure due to the value.

Which Dodge Durango do you have?

How the Value of a Dodge Durango Affects Car Insurance Rates

The value of your Dodge Durango can affect your car insurance rates. In the tables above, you can see how car insurance rates are more for the latest Dodge Durango make and model year. Currently, the Dodge Durango is ranked 75th on Good Car Bad Car.

The latest year-to-date sales for the Dodge Durango are 67,598, while the year-to-date sales last year were 65,947. That’s a 2.5 percent increase from 2018. But that doesn’t necessarily tell us about the value of the car, does it?

The best place to find the value of a Dodge Durango is through Kelley Blue Book (KBB).

Car insurance companies look at the manufacturer’s suggested retail price (MSRP) and fair market price (fair market value), so they can determine your car insurance. Let’s examine the MSRP and fair market price for the latest Dodge Durangos.

There’s an MSRP for the 2019–2020 model years because they are the most recent and the manufacturer appears to be actively selling cars for those model years, but 2017–2018 Dodge Durangos have discontinued the latest model years and sales have decreased in 2017 and 2018.

The latest Dodge Durangos are roughly $40,000, while the older make and model year Dodge Durangos are barely $30,000. Despite their value, Dodge Durango car insurance cost is nearly $1,500 per year.

MSRP is the vehicle price a manufacturer suggests. MSRP is usually available for the latest make and model year cars.

Fair market price, or fair market value, is the price that a car sells for after considering the car’s mileage, car history, and specs on the car. We decided to include the range of fair market prices for each Dodge Durango make and model.

The Dodge Durango may be a great car, but it lags behind the 2020 Hyundai Palisade and 2020 Ford Explorer. That doesn’t mean the car is bad, but it means that competition for sales is tough.

What does the value of the car mean for repairs? According to Repair Pal, the average cost of maintenance and repair for the Dodge Durango is $652. The average cost of repair and maintenance for a full-size SUV is $784. Dodge Durango may lag in popularity, but it makes up for it with affordable costs.

How Dodge Durango Thefts Affect Car Insurance Rates

High rates of car theft can increase rates on Dodge Durango car insurance. Car thieves usually damage a car when they steal it or when they break into your car. Car insurance companies have to anticipate the chances your car can be stolen and will issue car insurance rates based on that risk.

Part of the reason why car insurance rates are more expensive in some ZIP codes is that the chance of an accident or property crime is higher than average, which increases your car insurance rates. Urban area ZIP codes are some of the locations where car insurance rates will be more, while rural area ZIP codes have cheaper car insurance rates.

Find out the Dodge Durango car insurance cost by entering your ZIP code in the free comparison tool below. The free comparison tool is like a car insurance cost estimator. It’s a secure and flexible tool that gauges how much your car insurance will cost based on your personal information.

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Car Insurance Claims & Losses on a Dodge Durango

The number of claims can determine how much a car insurance company loses from car insurance. The Insurance Institute for Highway Safety (IIHS) reports the claim frequency and car insurance company losses by car make, model year, car size, and car class.

The following sections will explore the claims and losses from car insurance companies in general and how the Dodge Durango affected car insurance companies. In addition to claims and losses, we’ll compare the Dodge Durango to other 2016–2018 make and model year SUVs.

What are the loss statistics for bodily injury and property damage liability car insurance claims for the Dodge Durango?

Loss statistics are the rates or numbers of claims which car insurance companies lose money due to the claims from cars like the Dodge Durango.

Like car thefts, an increased number of claims can increase the overall rate of car insurance. If a car insurance company happens to receive a higher than the average number of claims, it will increase rates.

The IIHS provides claim loss statistics by car and car class. In this example, we’ll be talking about how large size SUVs affect bodily injury and property damage claims. First, let’s look at the percentage of claims for the Dodge Durango and other large-size SUVs.

The first data is bodily injury loss statistics. Use the search bar in the top right to quickly search for the Dodge Durango. Based on the data from IIHS, all Dodge Durangos had a claim loss that was around average.

This could mean the claim loss statistics that the IIHS reported were claim losses that were expected from car insurance companies.

What about claim losses that dealt with property damage claim loss? Let’s look at another table that shows the claim loss statistics of property damage.

Once again, the Dodge Durango has an average claim loss statistic, but the Ford Explorer had a claim loss that was substantially better than average. That may be why customers choose the Ford Explorer over the Dodge Durango.

What are the loss statistics for comprehensive and collision car insurance claims for Dodge Durango?

Comprehensive coverage for the Dodge Durango comes close to the same price as liability coverage, but collision coverage for the Dodge Durango is more expensive.

The table below will give you an idea of why collision insurance coverage is more expensive than the other two coverages. Let’s start with claim loss statistics for comprehensive coverage.

Two of Dodge’s Durango trims have comprehensive claim losses that are average, while the Dodge Durango SRT has a claim loss statistic that’s substantially worse than average. The Nissan Armada also has a comprehensive claim loss statistic that was substantially worse than average.

Are the collision claim loss statistics the same? Let’s examine one more table in this section to see how the claim loss statistics for collision coverage.

The Dodge Durango SRT has a claim loss statistic of 69 percent, which is substantially worse than average. No other Dodge Durango trim has a collision coverage claim loss worse than 69 percent. All other large SUVs have a claim loss statistics better than average or about average.

What are the loss statistics for PIP and MedPay for the Dodge Durango?

PIP and MedPay both pay for medical bills, but they are different in what they cover. Watch this video on PIP and MedPay as it describes the difference between the two coverages.

To recap, PIP pays for bodily injury or personal injury regardless of who is at fault in the accident. PIP pays for child care costs, lost wages, funeral costs, and other costs that result from an accident. MedPay pays strictly for medical bills such as X-rays, medicine, and other bills liability coverage won’t cover.

What were the claim loss statistics for personal injury for large SUVs? This data from the IIHS explains more about the claim frequency of personal injury loss statistics.

Large SUVs had average to substantially better-than-average personal injury claim frequency. This means large SUVs had fewer claims in PIP coverage.

Is this the same for MedPay? It’s possible. Fewer bodily injury claims are a sign that MedPay claims may be just as low. Let’s look at the MedPay claim frequency.

The Dodge Durango has a claim frequency of -6 percent and 11 percent, which are about average in claim frequency.

The Chevrolet Tahoe four-door 4WD and the Nissan Armada four-door 4WD were the only large SUVs with claim losses that were substantially better than average.

Find out how much MedPay costs from our free comparison tool below. Enter your ZIP code in the free comparison tool to see the cheapest car insurance quotes for the Dodge Durango.

Dodge Durango Safety Ratings

Safety ratings are a car’s performance during a crash. The National Highway Traffic Safety Administration (NHTSA) and IIHS test a car’s performance and grade it on how well it protects the driver and how durable the frame of the car can be. Watch this video on the crash performance of a Dodge Durango.

Crash tests like these are graded by the NHTSA and IIHS and reported on each website where car insurance agents, general researchers, and car insurance customers can determine how well the car can protect the driver during the accident. Speaking of grades, let’s review the Dodge Durango’s safety ratings from NHTSA and IIHS.

The NHTSA ratings are from one through five, where five is the best rating. Overall, the NHTSA Dodge Durango safety rating is four out of five.

What about the ratings from the IIHS? Does the 2020 Dodge Durango have any positive safety ratings? Let’s have a look.

Once again, the 2020 Dodge Durango has excellent safety ratings under IIHS safety rating scores. It scored “good” in all categories except Small Overlap Front, driver side (marginal rating).

What is the size and class of the Dodge Durango?

You may have noticed that the IIHS classifies the Dodge Durango in two different sizes, but places it in the same class.

A vehicle’s size is determined by its length, width, height, and weight, while class is determined by the vehicle’s design.

The Dodge Durango is an SUV, but some organizations may call it a midsize SUV or large-size SUV. Before we go into details, let’s talk about how SUVs are affected by fatal accidents.

The first data summary is the number of deaths by SUV size. We know from IIHS classification of the Dodge Durango that the car is a midsize and large SUV. Therefore, it can be in either category. Midsize SUVs have the most registered vehicles but have the second-highest number of deaths.

What’s the usual point of impact in an accident? The point of impact refers to the location on the vehicle that impacts another vehicle during an accident. Let’s look at the number of fatal accidents by impact point.

The frontal point of impact crashes causes the most fatal crashes. The smaller cars are a huge disadvantage during an accident and are more than likely to encounter a fatal accident when they collide with bigger and heavier cars.

Finally, let’s look at the number of deaths per million registered vehicles from 2008 to 2018. This will show you how the number of deaths changed over the last decade.

SUV drivers were affected less than SUV occupants (passengers). The deadliest year for SUVs was 2008, and the safest year for SUVs was 2012.

How does the safety of the Dodge Durango compare to other vehicles?

The Dodge Durango size is determined by its curb weight. The 2020 Dodge Durango’s curb weight is 4,680 lbs. to 5,510 lbs. The IIHS provides a guide that shows how to determine the car size by curb weight.

The Dodge Durango is indeed a midsize and large SUV. The size of the Dodge Durango depends on the trim. So, if you get a Dodge Durango SRT, it may have a different curb weight than the Dodge Durango GT or other Dodge Durango trim.

The size of your Dodge Durango may determine your car insurance rate. Smaller cars, SUVs, and pickups are likely to be damaged by bigger vehicles in car accidents, so car insurance companies will issue more expensive car insurance rates. This is one of the reasons why collision insurance coverage is more expensive for a midsize Dodge Durango.

The best thing for your finances is to find a car insurance company that gets you a good deal on Dodge Durango.

It shouldn’t be too difficult, considering the size and class of the Dodge Durango. If you haven’t bought a Dodge Durango yet, be prepared to spend at least $20,000 for it. The most expensive part of the Dodge Durango is its value, but insuring it for car insurance will save you money depending on the car insurance provider.

Get a car insurance quote for your Dodge Durango today by entering your ZIP code in the free comparison tool below.

Frequently Asked Questions: Dodge Durango Car Insurance

For the final section of this vehicle guide, we’ll answer frequently asked questions that relate to the Dodge Durango. If you need any more information, refer to our guides and reviews on Cheap Car Insurance Quotes.

#1 – Is a Dodge Durango a full-size SUV?

No. Based on the curb weight of the latest Dodge Durango, the vehicle is considered a midsize or large-size SUV. The exact size will depend on the trim.

#2 – Is Dodge discontinuing the Durango?

The Dodge Durango was going to be discontinued when Dodge announced it was bringing back the Wagoneer and Grand Wagoneer as new three-row SUVs. Although Dodge reported the Durango was going to be discontinued, the manufacturer released the 2020 Dodge Durango.

#3 – Which is better: The Durango or Grand Cherokee?

That would depend on what you need. Durangos are just as expensive as Grand Cherokees. However, Grand Cherokees are more durable with a life expectancy that goes head-to-head with some pickup trucks. It depends on the customer’s needs.

#4 – What does GT stand for in Dodge Durango?

The GT in the Dodge Durango GT stands for “grand touring.”

#5 – Which is bigger, the Dodge Durango or the Dodge Journey?

The Dodge Durango is larger and has more technological components, making it the more expensive Dodge SUV. The Dodge Journey is more flexible and easy to use, which gives it a cheaper price tag and slimmer design.

#6 – How much does Dodge Durango RT insurance cost?

Dodge Durango RT insurance cost is $2,232 per year or $186 per month. Your car insurance rates would vary under Geico, Progressive, Allstate, and other car insurance companies.

#7 – Does Allstate have non-owner car insurance?

Allstate does not have non-owner car insurance. Don’t settle for just an Allstate insurance car quote. Use our FREE tool to get multiple quotes from top car insurance companies.

#8 – Does Allstate have classic car insurance?

Allstate does not offer a classic car insurance product but they do work with Hagerty Insurance Agency who does.

If you want to compare car insurance rates for your Dodge Durango, start by entering your ZIP code in the free comparison tool to compare car insurance rates.

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