Dodge Journey Insurance Rates

The average insurance prices for a Dodge Journey are $1,284 every 12 months with full coverage. Comprehensive costs around $250 each year, collision costs $424, and liability costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing around $2,778. Teen drivers cost the most to insure at $4,918 a year or more.

Average premium for full coverage: $1,284

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below details estimated Dodge Journey insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $748
• Using higher $1,000 deductibles will save about $152 annually
• The average price for a good driver age 40 using $500 deductibles is $1,284
• Choosing low deductibles for physical damage coverage increases the price to $1,580
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,778 or more
• Policy cost to insure a 16-year-old driver can be $4,918 or more

View Chart as Image

Auto insurance rates for a Dodge Journey also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $450 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than average. 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 $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and quoted 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 Shop for More Affordable Dodge Journey Insurance

Finding cheaper rates on insurance for a Dodge Journey requires being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Invest time comparing rates every time your policy renews by getting quotes from direct companies, and also from several local insurance agents.

The following list is a summary of the information covered in the charts and tables above.

• You may be able to save up to $150 per year simply by quoting online in advance
• Drivers age 16 to 20 are expensive to insure, as much as $410 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,490 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay about $500 every year to increase from a 30/60 limit to a 250/500 level