Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,318 a year with full coverage. Comprehensive insurance costs approximately $260, collision costs $458, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,854 or more. Teenage drivers cost the most to insure at $5,022 a year or more.

Average premium for full coverage: $1,318

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all Journey models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why everyone should compare rates using their specific location, rather than using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details estimated Dodge Journey insurance rates for additional coverage and risk scenarios.

• The best discount rate is $764
• Drivers who choose higher $1,000 deductibles will pay $164 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,318
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $316 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,854 or more
• Policy cost that insures a teenage driver for full coverage can cost $5,022 a year

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the model of your Journey, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional every year, depending on your age. Dodge Journey insurance for high-risk drivers can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $480 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Dodge Journey Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every other policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.

The list below is a summary of the ideas that were covered in the above illustrations.

• Teenagers are the costliest to insure, as much as $419 each month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations may have to pay on average $1,540 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date