Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive costs approximately $250, collision costs $424, and liability coverage costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers 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 by type of insurance:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Journey models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $748
• Using higher $1,000 deductibles will save $152 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,284
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,580
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,778 or more
• Policy cost that insures a teenage driver for full coverage can cost $4,918 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Dodge Journey insurance for high-risk drivers can be around 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $450 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, so the 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 the Best Dodge Journey Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at least once a year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a brief recap of the primary concepts that were covered above.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Drivers who tend to receive serious violations will likely pay on average $1,490 more per year to buy Dodge Journey insurance
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $410 each month if full coverage is included