Dodge Journey SE 2WD Insurance Rates

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The average auto insurance rates for a Dodge Journey SE 2WD are $1,252 annually for full coverage. Comprehensive costs around $284, collision costs $446, and liability costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing around $2,680. Teen drivers cost the most to insure at $4,638 a year or more.

Annual premium for full coverage: $1,252

Policy rates for type of insurance:

Comprehensive $284
Collision $446
Liability $364

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

Price Range for Insurance for this Dodge Journey Trim Level

For a 40-year-old driver, Dodge Journey SE 2WD insurance rates go from as cheap as $430 for just liability coverage to a much higher rate of $2,680 for high-risk insurance.

Liability Only $430
Full Coverage $1,252
High Risk $2,680

Urban vs. Rural Price Range

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

The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $939
Small Cities $1,315
Large Cities $1,690

These price differences show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance prices for a Dodge Journey SE 2WD also range considerably based on the model year, your driver profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,500 to $2,000 additional every year, depending on your age. High-risk driver insurance can be from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $490 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Journey SE 2WD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Because prices have so much variability, the only way to know your exact price is to compare prices from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied between companies.

View Chart as Image

Dodge Journey SE 2WD insurance cost comparison chart
Column chart showing Dodge Journey SE 2WD insurance prices range from $735 to $4,638 for full coverage

Chart shows Dodge Journey SE 2WD insurance prices for different situations. The cheapest discount price is $735. Drivers who choose higher $1,000 deductibles will pay about $1,086. The average price for a driver age 40 with no violations using $500 deductibles is $1,252. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,570. High risk drivers could be charged around $2,680. The price for full coverage insurance for a 16-year-old driver can be as high as $4,638.

Dodge Journey SE 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,132 -$120 -9.6%
Alaska $960 -$292 -23.3%
Arizona $1,040 -$212 -16.9%
Arkansas $1,252 -$0 0.0%
California $1,426 $174 13.9%
Colorado $1,196 -$56 -4.5%
Connecticut $1,288 $36 2.9%
Delaware $1,418 $166 13.3%
Florida $1,566 $314 25.1%
Georgia $1,158 -$94 -7.5%
Hawaii $900 -$352 -28.1%
Idaho $846 -$406 -32.4%
Illinois $932 -$320 -25.6%
Indiana $942 -$310 -24.8%
Iowa $844 -$408 -32.6%
Kansas $1,190 -$62 -5.0%
Kentucky $1,708 $456 36.4%
Louisiana $1,852 $600 47.9%
Maine $772 -$480 -38.3%
Maryland $1,034 -$218 -17.4%
Massachusetts $1,002 -$250 -20.0%
Michigan $2,174 $922 73.6%
Minnesota $1,046 -$206 -16.5%
Mississippi $1,502 $250 20.0%
Missouri $1,110 -$142 -11.3%
Montana $1,344 $92 7.3%
Nebraska $986 -$266 -21.2%
Nevada $1,502 $250 20.0%
New Hampshire $902 -$350 -28.0%
New Jersey $1,400 $148 11.8%
New Mexico $1,108 -$144 -11.5%
New York $1,318 $66 5.3%
North Carolina $722 -$530 -42.3%
North Dakota $1,026 -$226 -18.1%
Ohio $864 -$388 -31.0%
Oklahoma $1,286 $34 2.7%
Oregon $1,148 -$104 -8.3%
Pennsylvania $1,194 -$58 -4.6%
Rhode Island $1,670 $418 33.4%
South Carolina $1,136 -$116 -9.3%
South Dakota $1,056 -$196 -15.7%
Tennessee $1,098 -$154 -12.3%
Texas $1,510 $258 20.6%
Utah $928 -$324 -25.9%
Vermont $856 -$396 -31.6%
Virginia $748 -$504 -40.3%
Washington $968 -$284 -22.7%
West Virginia $1,148 -$104 -8.3%
Wisconsin $868 -$384 -30.7%
Wyoming $1,116 -$136 -10.9%

View Chart as Image

Dodge Journey SE 2WD insurance rates by U.S. city

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Rates by Driver Age

Dodge Journey SE 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,638
20 $2,856
30 $1,304
40 $1,252
50 $1,142
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey SE 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,570
$250 $1,424
$500 $1,252
$1,000 $1,086

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey SE 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,252
50/100 $1,325
100/300 $1,416
250/500 $1,652
100 CSL $1,361
300 CSL $1,561
500 CSL $1,707

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey SE 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,594
20 $4,530
30 $2,736
40 $2,680
50 $2,556
60 $2,532

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $168

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $88
5-yr Claim Free $79
Paid in Full/EFT $55
Advance Quote $60
Online Quote $88
Total Discounts $517
Rate after discounts $735

Discounts are estimated and may not be available from every company or in every state.

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