Dodge Journey Insurance Rates

The average auto insurance rates for a Dodge Journey are $1,284 annually including full coverage. Comprehensive insurance costs approximately $250 each year, collision costs $424, and liability costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing $2,778 or more. 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:

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $748
• Drivers who choose higher $1,000 deductibles will pay $152 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,284
• Choosing low deductibles for comprehensive and collision insurance costs an additional $296 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,778 or more
• Policy cost with full coverage for a teen driver can cost $4,918 a year

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 130% more than average. View High Risk Driver Rates

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

Your home state makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay 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

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied between companies.

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 Buy Low Cost Dodge Journey Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a review of the data presented in the illustrations above.

• Policyholders who purchase higher levels of liability will pay about $500 per year to go from a 30/60 limit to higher 250/500 limits
• You may be able to save around $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Teenage drivers are expensive to insure, with premiums being up to $410 each month including comprehensive and collision insurance