Dodge Journey R/T 2WD Insurance Rates

U.S. average insurance rates for a Dodge Journey R/T 2WD are $1,388 a year for full coverage insurance. Comprehensive costs around $326, collision insurance costs $540, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $2,982. Teen drivers pay the highest rates at up to $5,070 a year.

Annual premium for full coverage: $1,388

Price estimates for type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Journey Trim Level

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.

These price ranges illustrate why everyone should compare rates for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Dodge Journey R/T 2WD are also quite variable based on your driving record, the model year, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teenage drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age

The state you live in makes a big difference in Dodge Journey R/T 2WD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $580 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Dodge Journey R/T 2WD insurance for high-risk drivers can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, and quoted rates may be quite different from one company to the next.

View Chart as Image

The chart estimates Dodge Journey R/T 2WD insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $803. Drivers who choose higher $1,000 deductibles will pay around $1,192. The average rate for a driver age 40 with no violations using $500 deductibles is $1,388. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,770. High risk drivers could be charged at least $2,982. The rate for full coverage insurance for a 16-year-old driver is $5,070.

View Chart as Image