Dodge Journey Insurance Rates

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

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how where you live affects car insurance rates.

These rate differences highlight why everyone should get quotes based on a specific location, instead of using price averages.

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

Additional Rate Information

The chart below breaks down estimated Dodge Journey insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $748
• Choosing higher $1,000 deductibles can save around $152 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,284
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,580
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,778 or more
• An auto insurance policy that insures a teen driver for full coverage may cost $4,918 each year

View Chart as Image

Auto insurance prices for a Dodge Journey also have a wide range based on the model of your Journey, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Dodge Journey insurance for high-risk drivers ranges as much as 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $450 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.

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 Cheap Dodge Journey Insurance

Finding better rates on car insurance takes being a low-risk driver, maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Shop around once a year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a brief summary of the data that was touched on in the above illustrations.

• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Policyholders who require more liability coverage will pay about $500 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teen drivers are charged the highest prices, with the cost nearing $410 per month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,490 more each year to insure their Journey