Dodge Journey Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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U.S. average insurance rates for a Dodge Journey are $1,318 a year including full coverage. Comprehensive costs approximately $260 each year, collision insurance costs $458, and liability costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs around $2,854. 16-year-old drivers pay the highest rates at up to $5,022 a year.
Average premium for full coverage: $1,318
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Journey models.
Price Range from Low to High
For the average driver, Dodge Journey insurance prices range from the low end price of $496 for just the minimum liability insurance to a high rate of $2,854 for a policy for a high-risk driver.
Geographic Price Range
Where you live can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.
The ranges above highlight why all drivers should compare prices using their specific location, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below breaks down average Dodge Journey insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $764
- Using higher $1,000 deductibles will save $164 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,318
- Buying low deductibles for physical damage coverage bumps up the cost to $1,634
- High-risk insureds with multiple tickets or accidents could pay around $2,854
- The price that insures a 16-year-old driver can cost $5,022 or more
Car insurance prices for a Dodge Journey are also quite variable based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age
The state you live in has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see prices as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,880 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$126 | -9.6% |
| Alaska | $1,010 | -$308 | -23.4% |
| Arizona | $1,096 | -$222 | -16.8% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,502 | $184 | 14.0% |
| Colorado | $1,258 | -$60 | -4.6% |
| Connecticut | $1,354 | $36 | 2.7% |
| Delaware | $1,492 | $174 | 13.2% |
| Florida | $1,648 | $330 | 25.0% |
| Georgia | $1,216 | -$102 | -7.7% |
| Hawaii | $946 | -$372 | -28.2% |
| Idaho | $892 | -$426 | -32.3% |
| Illinois | $982 | -$336 | -25.5% |
| Indiana | $992 | -$326 | -24.7% |
| Iowa | $888 | -$430 | -32.6% |
| Kansas | $1,252 | -$66 | -5.0% |
| Kentucky | $1,798 | $480 | 36.4% |
| Louisiana | $1,952 | $634 | 48.1% |
| Maine | $812 | -$506 | -38.4% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,056 | -$262 | -19.9% |
| Michigan | $2,288 | $970 | 73.6% |
| Minnesota | $1,102 | -$216 | -16.4% |
| Mississippi | $1,578 | $260 | 19.7% |
| Missouri | $1,168 | -$150 | -11.4% |
| Montana | $1,416 | $98 | 7.4% |
| Nebraska | $1,038 | -$280 | -21.2% |
| Nevada | $1,578 | $260 | 19.7% |
| New Hampshire | $948 | -$370 | -28.1% |
| New Jersey | $1,474 | $156 | 11.8% |
| New Mexico | $1,168 | -$150 | -11.4% |
| New York | $1,388 | $70 | 5.3% |
| North Carolina | $760 | -$558 | -42.3% |
| North Dakota | $1,078 | -$240 | -18.2% |
| Ohio | $910 | -$408 | -31.0% |
| Oklahoma | $1,354 | $36 | 2.7% |
| Oregon | $1,208 | -$110 | -8.3% |
| Pennsylvania | $1,258 | -$60 | -4.6% |
| Rhode Island | $1,758 | $440 | 33.4% |
| South Carolina | $1,192 | -$126 | -9.6% |
| South Dakota | $1,112 | -$206 | -15.6% |
| Tennessee | $1,154 | -$164 | -12.4% |
| Texas | $1,588 | $270 | 20.5% |
| Utah | $976 | -$342 | -25.9% |
| Vermont | $902 | -$416 | -31.6% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,020 | -$298 | -22.6% |
| West Virginia | $1,208 | -$110 | -8.3% |
| Wisconsin | $912 | -$406 | -30.8% |
| Wyoming | $1,174 | -$144 | -10.9% |
Opting for high physical damage deductibles could cut prices by as much as $480 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,204 | $100 |
| Dodge Journey SXT 2WD | $1,242 | $104 |
| Dodge Journey R/T 2WD | $1,318 | $110 |
| Dodge Journey SXT Crew 2WD | $1,318 | $110 |
| Dodge Journey SXT AWD | $1,318 | $110 |
| Dodge Journey R/T AWD | $1,354 | $113 |
| Dodge Journey SXT Crew AWD | $1,354 | $113 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Journey | $260 | $458 | $442 | $1,318 |
| 2019 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2018 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2017 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2014 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2013 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2012 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2011 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2010 Dodge Journey | $160 | $202 | $474 | $994 |
| 2009 Dodge Journey | $154 | $182 | $468 | $962 |
Rates are averaged for all Dodge Journey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Dodge Journey Insurance
Getting lower rates on insurance for a Dodge Journey requires avoiding accidents and violations, having a positive credit history, being claim-free, and attention to physical damage deductibles. Comparison shop every year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The list below is a review of the coverage data touched on above.
- You may be able to save around $160 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $475 each year
- Teenagers pay the highest auto insurance prices, possibly costing $419 a month if full coverage is purchased
- Drivers considered higher risk who have several accidents or serious violations will likely pay on average $1,540 more per year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,022 |
| 20 | $3,040 |
| 30 | $1,366 |
| 40 | $1,318 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,634 |
| $250 | $1,486 |
| $500 | $1,318 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,442 |
| 100/300 | $1,553 |
| 250/500 | $1,840 |
| 100 CSL | $1,487 |
| 300 CSL | $1,730 |
| 500 CSL | $1,907 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,144 |
| 20 | $4,846 |
| 30 | $2,906 |
| 40 | $2,854 |
| 50 | $2,726 |
| 60 | $2,700 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $554 |
Discounts are estimated and may not be available from every company or in every state.
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