Dodge Journey Insurance Rates

The average insurance prices for a Dodge Journey are $1,318 every 12 months including full coverage. Comprehensive insurance costs on average $260, collision costs $458, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing $2,854 or more. Teens 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:

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Dodge Journey insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $764
• Using higher $1,000 deductibles will save around $164 every year
• The average price for a good driver age 40 with $500 deductibles is $1,318
• Selecting more expensive low deductibles for physical damage coverage costs an extra $316 annually
• High-risk insureds with serious driving violations could pay upwards of $2,854 or more
• Policy cost to insure a 16-year-old driver with full coverage may cost $5,022 or more

View Chart as Image

Car insurance rates for a Dodge Journey also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Journey.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $480 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be from 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Each insurance company calculates rates differently, so rate quotes 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 Shop for Affordable Dodge Journey Insurance

Finding cheaper rates on insurance for a Dodge Journey requires being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates once a year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a brief review of the data that was touched on in this article.

• You may be able to save as much as $160 per year simply by shopping early and online
• Insureds who require more liability coverage will pay approximately $490 per year to increase from a 30/60 limit to a 250/500 level
• Teen drivers are expensive to insure, with premiums being up to $419 each month if the policy includes full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,540 more each year to insure their Journey