Dodge Journey Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 3, 2024
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U.S. average auto insurance rates for a Dodge Journey are $1,318 annually for full coverage insurance. Comprehensive costs on average $260, collision costs $458, and liability coverage is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $2,854. 16-year-old drivers pay the highest rates at $5,022 a year or more.
Average premium for full coverage: $1,318
Price estimates by individual coverage:
These estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Journey trim levels.
Price Range from Low to High
For the average driver, Dodge Journey insurance prices go from as cheap as $496 for just liability coverage to a much higher rate of $2,854 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas have fewer physical damage claims than congested cities.
The price range example below illustrates how location impacts car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using rate 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 illustrates estimated Dodge Journey insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $764
- Raising to $1,000 deductibles will save around $164 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,318
- Buying more expensive low deductibles will cost $1,634
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,854 or more
- The price with full coverage for a teenage driver with full coverage may cost $5,022
Insurance prices for a Dodge Journey are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $480 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Dodge Journey insurance rates. A middle-age driver might find prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,780 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$126 | -9.6% |
| Alaska | $1,010 | -$308 | -23.4% |
| Arizona | $1,096 | -$222 | -16.8% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,502 | $184 | 14.0% |
| Colorado | $1,258 | -$60 | -4.6% |
| Connecticut | $1,354 | $36 | 2.7% |
| Delaware | $1,492 | $174 | 13.2% |
| Florida | $1,648 | $330 | 25.0% |
| Georgia | $1,216 | -$102 | -7.7% |
| Hawaii | $946 | -$372 | -28.2% |
| Idaho | $892 | -$426 | -32.3% |
| Illinois | $982 | -$336 | -25.5% |
| Indiana | $992 | -$326 | -24.7% |
| Iowa | $888 | -$430 | -32.6% |
| Kansas | $1,252 | -$66 | -5.0% |
| Kentucky | $1,798 | $480 | 36.4% |
| Louisiana | $1,952 | $634 | 48.1% |
| Maine | $812 | -$506 | -38.4% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,056 | -$262 | -19.9% |
| Michigan | $2,288 | $970 | 73.6% |
| Minnesota | $1,102 | -$216 | -16.4% |
| Mississippi | $1,578 | $260 | 19.7% |
| Missouri | $1,168 | -$150 | -11.4% |
| Montana | $1,416 | $98 | 7.4% |
| Nebraska | $1,038 | -$280 | -21.2% |
| Nevada | $1,578 | $260 | 19.7% |
| New Hampshire | $948 | -$370 | -28.1% |
| New Jersey | $1,474 | $156 | 11.8% |
| New Mexico | $1,168 | -$150 | -11.4% |
| New York | $1,388 | $70 | 5.3% |
| North Carolina | $760 | -$558 | -42.3% |
| North Dakota | $1,078 | -$240 | -18.2% |
| Ohio | $910 | -$408 | -31.0% |
| Oklahoma | $1,354 | $36 | 2.7% |
| Oregon | $1,208 | -$110 | -8.3% |
| Pennsylvania | $1,258 | -$60 | -4.6% |
| Rhode Island | $1,758 | $440 | 33.4% |
| South Carolina | $1,192 | -$126 | -9.6% |
| South Dakota | $1,112 | -$206 | -15.6% |
| Tennessee | $1,154 | -$164 | -12.4% |
| Texas | $1,588 | $270 | 20.5% |
| Utah | $976 | -$342 | -25.9% |
| Vermont | $902 | -$416 | -31.6% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,020 | -$298 | -22.6% |
| West Virginia | $1,208 | -$110 | -8.3% |
| Wisconsin | $912 | -$406 | -30.8% |
| Wyoming | $1,174 | -$144 | -10.9% |
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,204 | $100 |
| Dodge Journey SXT 2WD | $1,242 | $104 |
| Dodge Journey R/T 2WD | $1,318 | $110 |
| Dodge Journey SXT Crew 2WD | $1,318 | $110 |
| Dodge Journey SXT AWD | $1,318 | $110 |
| Dodge Journey R/T AWD | $1,354 | $113 |
| Dodge Journey SXT Crew AWD | $1,354 | $113 |
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 | $260 | $458 | $442 | $1,318 |
| 2019 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2018 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2017 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2014 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2013 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2012 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2011 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2010 Dodge Journey | $160 | $202 | $474 | $994 |
| 2009 Dodge Journey | $154 | $182 | $468 | $962 |
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 Cheap Dodge Journey Insurance
Getting lower rates on auto insurance consists of not taking risks behind the wheel, having good credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a brief summary of the data that was touched on above.
- It is possible to save as much as $160 per year simply by shopping early and online
- Consumers who require higher liability limits will pay around $490 annually to raise from a low limit to higher 250/500 limits
- Teens pay higher prices, as much as $419 a month if they have full coverage
- Drivers that tend to have accidents or serious violations may pay on average $1,540 more each year for Journey insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,022 |
| 20 | $3,040 |
| 30 | $1,366 |
| 40 | $1,318 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,634 |
| $250 | $1,486 |
| $500 | $1,318 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,442 |
| 100/300 | $1,553 |
| 250/500 | $1,840 |
| 100 CSL | $1,487 |
| 300 CSL | $1,730 |
| 500 CSL | $1,907 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,144 |
| 20 | $4,846 |
| 30 | $2,906 |
| 40 | $2,854 |
| 50 | $2,726 |
| 60 | $2,700 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $554 |
Discounts are estimated and may not be available from every company or in every state.
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