Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,318 a year including full coverage. Comprehensive insurance costs an estimated $260 each year, collision costs $458, and liability coverage is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $2,854 or more. Teenage drivers pay the most at $5,022 a year or more.

Average premium for full coverage: $1,318

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. 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 the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

These rate differences highlight why all drivers should compare rates quotes for a targeted area, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $764
• Raising to $1,000 deductibles will save approximately $164 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,318
• Using low deductibles will cost an additional $316 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,854 or more
• An auto insurance policy that insures a teenage driver can cost as much as $5,022

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision 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, since even teens with perfect driving records will have to pay at least $5,000 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 $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $480 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, 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 the Best Cheap Dodge Journey Insurance

Finding better rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Compare prices every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick review of the material that was touched on in this article.

• Consumers who want more liability coverage will pay an extra $490 per year to raise from 30/60 bodily injury limits to the 250/500 level
• Teen drivers are the costliest to insure, with the cost nearing $419 per month if the policy includes full coverage
• Drivers with a DUI or reckless driving violation could be charged and average of $1,540 more annually to insure their Journey
• Increasing policy deductibles can save approximately $475 each year