Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year for full coverage. Comprehensive insurance costs an estimated $250 each year, collision costs $424, and liability coverage is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $2,778 or more. Teens pay the most at $4,918 a year or more.

Average premium for full coverage: $1,284

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how your location can change insurance prices.

These rate differences show why all drivers should compare rates quotes for a targeted area and risk profile, rather than using averaged prices.

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

Rate Comparisons

The chart below shows estimated Dodge Journey insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $748
• Raising to $1,000 deductibles will save approximately $152 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,284
• Selecting low deductibles will cost an extra $296 each year
• Unlucky drivers with serious driving violations could pay up to $2,778 or more
• An auto insurance policy for full coverage for a teenage driver can cost as much as $4,918

View Chart as Image

Auto insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the trim level of your Journey, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Journey insurance rates. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $450 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices will be substantially different from one company to the next.

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 Affordable Dodge Journey Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief review of the coverage data illustrated above.

• Drivers can save approximately $150 per year simply by quoting online in advance
• Increasing policy deductibles can save around $450 each year
• Teenagers are the costliest to insure, as much as $410 per month if they have full coverage
• Drivers with DUI or reckless driving convictions pay an average of $1,490 more annually for car insurance