Dodge Journey Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated auto insurance rates for a Dodge Journey are $1,336 annually including full coverage. Comprehensive costs around $274, collision costs $474, and liability costs around $430. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing around $2,888. Teen drivers pay the most at $5,048 a year or more.
Average premium for full coverage: $1,336
Premium estimates for type of coverage:
Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Journey trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Dodge Journey go from as cheap as $486 for just liability coverage to a much higher rate of $2,888 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below breaks down estimated Dodge Journey insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $775
- Using higher $1,000 deductibles will save about $170 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,336
- Choosing more expensive low deductibles for physical damage coverage will cost $1,666
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,888 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can be $5,048 or more
Insurance prices for a Dodge Journey also have a wide range based on the model of your Journey, your driving characteristics, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be from 44% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $500 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see prices as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,910 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,208 | -$128 | -9.6% |
Alaska | $1,026 | -$310 | -23.2% |
Arizona | $1,110 | -$226 | -16.9% |
Arkansas | $1,336 | -$0 | 0.0% |
California | $1,522 | $186 | 13.9% |
Colorado | $1,276 | -$60 | -4.5% |
Connecticut | $1,374 | $38 | 2.8% |
Delaware | $1,512 | $176 | 13.2% |
Florida | $1,670 | $334 | 25.0% |
Georgia | $1,234 | -$102 | -7.6% |
Hawaii | $958 | -$378 | -28.3% |
Idaho | $904 | -$432 | -32.3% |
Illinois | $996 | -$340 | -25.4% |
Indiana | $1,006 | -$330 | -24.7% |
Iowa | $902 | -$434 | -32.5% |
Kansas | $1,270 | -$66 | -4.9% |
Kentucky | $1,822 | $486 | 36.4% |
Louisiana | $1,978 | $642 | 48.1% |
Maine | $824 | -$512 | -38.3% |
Maryland | $1,102 | -$234 | -17.5% |
Massachusetts | $1,070 | -$266 | -19.9% |
Michigan | $2,322 | $986 | 73.8% |
Minnesota | $1,118 | -$218 | -16.3% |
Mississippi | $1,600 | $264 | 19.8% |
Missouri | $1,186 | -$150 | -11.2% |
Montana | $1,436 | $100 | 7.5% |
Nebraska | $1,054 | -$282 | -21.1% |
Nevada | $1,600 | $264 | 19.8% |
New Hampshire | $964 | -$372 | -27.8% |
New Jersey | $1,494 | $158 | 11.8% |
New Mexico | $1,182 | -$154 | -11.5% |
New York | $1,406 | $70 | 5.2% |
North Carolina | $770 | -$566 | -42.4% |
North Dakota | $1,094 | -$242 | -18.1% |
Ohio | $924 | -$412 | -30.8% |
Oklahoma | $1,372 | $36 | 2.7% |
Oregon | $1,224 | -$112 | -8.4% |
Pennsylvania | $1,276 | -$60 | -4.5% |
Rhode Island | $1,782 | $446 | 33.4% |
South Carolina | $1,210 | -$126 | -9.4% |
South Dakota | $1,128 | -$208 | -15.6% |
Tennessee | $1,170 | -$166 | -12.4% |
Texas | $1,610 | $274 | 20.5% |
Utah | $988 | -$348 | -26.0% |
Vermont | $916 | -$420 | -31.4% |
Virginia | $800 | -$536 | -40.1% |
Washington | $1,034 | -$302 | -22.6% |
West Virginia | $1,224 | -$112 | -8.4% |
Wisconsin | $926 | -$410 | -30.7% |
Wyoming | $1,190 | -$146 | -10.9% |
With such a large range in prices, the best way to figure out your exact price is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so the prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Dodge Journey SE 2WD | $1,218 | $102 |
Dodge Journey SXT 2WD | $1,256 | $105 |
Dodge Journey R/T 2WD | $1,336 | $111 |
Dodge Journey SXT Crew 2WD | $1,336 | $111 |
Dodge Journey SXT AWD | $1,336 | $111 |
Dodge Journey R/T AWD | $1,376 | $115 |
Dodge Journey SXT Crew AWD | $1,376 | $115 |
Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Dodge Journey | $274 | $474 | $430 | $1,336 |
2018 Dodge Journey | $250 | $424 | $452 | $1,284 |
2017 Dodge Journey | $240 | $400 | $456 | $1,254 |
2014 Dodge Journey | $206 | $310 | $464 | $1,138 |
2013 Dodge Journey | $202 | $288 | $474 | $1,122 |
2012 Dodge Journey | $186 | $268 | $474 | $1,086 |
2011 Dodge Journey | $182 | $244 | $478 | $1,062 |
2010 Dodge Journey | $170 | $222 | $474 | $1,024 |
2009 Dodge Journey | $160 | $202 | $474 | $994 |
Rates are averaged for all Dodge Journey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Dodge Journey Insurance
Finding better rates on insurance for a Dodge Journey requires being a safe and courteous driver, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.
Below is a brief review of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $160 per year simply by shopping early and online
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,550 more every year for auto insurance
- Increasing policy deductibles could save up to $500 each year
- Teenage drivers pay higher prices, with the cost nearing $421 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,048 |
20 | $3,078 |
30 | $1,388 |
40 | $1,336 |
50 | $1,222 |
60 | $1,198 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,666 |
$250 | $1,514 |
$500 | $1,336 |
$1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,336 |
50/100 | $1,462 |
100/300 | $1,570 |
250/500 | $1,849 |
100 CSL | $1,505 |
300 CSL | $1,742 |
500 CSL | $1,914 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,184 |
20 | $4,900 |
30 | $2,944 |
40 | $2,888 |
50 | $2,758 |
60 | $2,732 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $71 |
Multi-vehicle | $70 |
Homeowner | $20 |
5-yr Accident Free | $96 |
5-yr Claim Free | $86 |
Paid in Full/EFT | $59 |
Advance Quote | $65 |
Online Quote | $94 |
Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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