Car Insurance Quotes for a Dodge Durango

The average annual premium for a Dodge Durango is $1,713 for full coverage.

Full coverage with collision and comprehensive offers greater protection than state minimum liability coverage, packaging liability, collision, and comprehensive insurance. These offer third-party and first-party benefits with car insurance coverage for the cost of damage or injuries sustained in an accident, regardless of who is at fault.

If you have any questions about affordable policies, then Freeway Insurance is ready to help. We are ready to help you explore all of your options within your budget.

Freeway Insurance offers a wide range of coverage options for Dodge Durango drivers with every need and budget, including state minimum liability and full coverage.

The main difference between both policies is scope (one provides first-party benefits, and the other offers first/third-party benefits). Full coverage is highly recommended for a greater level of protection as it includes liability, collision, and comprehensive, which covers other drivers and vehicles as well as your own damages due to collision and non-collision-related events like theft, hail, and vandalism.

Full Coverage

A full coverage policy typically implies a combination of liability, collision, and comprehensive coverage. Optional (or mandatory selections depending on the state) include a combination of medical payments (MedPay), personal injury protection (PIP), and uninsured/underinsured motorist policies. Thanks to this enhanced protection beyond the basic state minimum liability requirements, expect to pay several hundred dollars more per year for greater peace of mind.

You may also add optional selections like roadside assistance and rental car reimbursement.

State Minimum Liability

State minimum liability refers to the minimum amount of auto insurance company your state requires. Using Delaware as an example, all drivers must carry a minimum 25/50/10 policy, or $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $10,000 in property damage liability per accident.

Delaware also requires $15,000/$30,000 PIP for one person/per accident.

Note that state minimum liability has several drawbacks, including insufficient coverage, limited personal protection, and higher out-of-pocket costs. For example, Delaware’s requirement of $10,000 in property damage liability per accident falls below the average cost of a new vehicle ($40,000+). Any total loss to another vehicle in an at-fault accident will force you to pay for the remaining expenses out of pocket.

Secondly, state minimum liability only provides third-party benefits and does not include coverage for your own injuries or vehicle damage. That’s why we highly recommend full coverage, which adds first-party benefits such as collision and comprehensive.

Several individual factors can impact car insurance pricing. Three factors influencing auto insurance for Dodge Durango drivers are driving record, vehicle characteristics, and personal demographics.

Expect the lowest premiums to be paid by drivers with clean driving records, no at-fault accidents, moving violations, or claims within the last three to five years. Even a single accident can skyrocket your premium by as much as 50% or more.

Secondarily, vehicle characteristics count. Every vehicle make and model pays different premiums thanks to several factors, including theft rates, crash test ratings, advanced safety features, and historical data auto insurance companies have on hand to determine the likelihood of future claims payouts for each make and model.

Lastly, remember personal demographics. Younger drivers under 25 generally pay the highest premiums thanks to a lack of driving experience and a higher likelihood of being involved in accidents.

DUI convictions will result in fines, administrative hassles, and plenty of headaches.

For starters, you can expect increased premiums. The exact increase will depend on several factors, such as your state, policy, and the severity of the offense. Don’t be surprised to see your premiums increase by as much as 100%.

Another consequence of a DUI conviction is the required filing of an SR-22, a certificate that lets the state know you’re carrying the minimum required liability insurance. This requirement alerts insurers that you may be a high-risk driver. But, again, expect it to remain for at least three years with no lapses in coverage.

A third consequence of a DUI conviction is policy non-renewal or outright cancellation; insurance companies reserve the right not to renew your policy, forcing you to seek an alternative provider specializing in cheap DUI insurance.

As for how long convictions remain on your record, they are expected to last anywhere from three to seven years, depending on the state you live in.

This is a vehicle in the midsize SUV segment.

It comes in six trims: SXT, GT, R/T, Citadel, SRT 392, and SRT Hellcat., as well as a choice of three engines, a 3.6-liter V6, 5.7-liter V8, and a supercharged 6.2-liter V8 engine.

Standard features include tri-zone automatic climate control, an 8.4-inch touch screen, Apple CarPlay/Android Auto compatibility, four USB ports, and a rearview camera. Upgrading to the highest-level trim, Hellcat offers a 710-horsepower supercharged 6.2-liter V8 engine.

Main competitors are the Ford Explorer, Mazda CX-5, Hyundai Tucson, and Subaru Forester.