Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive costs an estimated $250, collision costs $424, and liability insurance costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing around $2,778. 16-year-old drivers 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:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Journey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how where you live affects insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $748
• Using higher $1,000 deductibles will save approximately $152 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,284
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,580
• Drivers with multiple tickets or accidents could pay up to $2,778 or more
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,918 or more

View Chart as Image

Auto insurance prices for a Dodge Journey also have a wide range based on the model year and trim level, 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 $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, 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 at least $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $450 each year, while increasing your policy's liability limits will increase premiums. 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 which insurance company is cheapest is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, 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 Cheaper Dodge Journey Insurance

Finding better rates on Dodge Journey insurance requires having a decent driving record, maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Comparison shop every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a condensed summary of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $410 per month if the policy includes full coverage
• High-risk drivers with multiple at-fault accidents could be charged and average of $1,490 more annually than a driver with a clean driving record
• Increasing policy deductibles can save approximately $450 each year
• You may be able to save approximately $150 per year simply by shopping early and online