Dodge Journey Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Dodge Journey insurance

Average insurance prices for a Dodge Journey are $1,284 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $250 each year, collision insurance costs $424, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs $2,778 or more. Teen drivers receive the highest rates at up to $4,918 a year.

Average premium for full coverage: $1,284

Rate estimates by individual coverage type:

Comprehensive $250
Collision $424
Liability $452

Estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Journey models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the cheapest price of $504 for a discount liability-only rate to a high rate of $2,778 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,284
High Risk $2,778

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.

Rural Areas $963
Small Cities $1,348
Large Cities $1,733

These examples illustrate why all drivers should compare prices using their specific location and their own driving history, rather than using price 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.

Rates by State, City, and Model

The chart below illustrates average Dodge Journey insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $748
  • Using higher $1,000 deductibles will save $152 each year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,284
  • Choosing low deductibles for physical damage coverage costs an extra $296 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,778
  • The cost to insure a teenage driver can cost $4,918 or more

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance prices range from $748 to $4,918 for full coverage

Insurance rates for a Dodge Journey can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Journey.

Choosing high deductibles could cut rates by as much as $450 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than average. View High Risk Driver Rates

Where you live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.

Dodge Journey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,162 -$122 -9.5%
Alaska $986 -$298 -23.2%
Arizona $1,064 -$220 -17.1%
Arkansas $1,284 -$0 0.0%
California $1,462 $178 13.9%
Colorado $1,226 -$58 -4.5%
Connecticut $1,320 $36 2.8%
Delaware $1,452 $168 13.1%
Florida $1,606 $322 25.1%
Georgia $1,184 -$100 -7.8%
Hawaii $920 -$364 -28.3%
Idaho $868 -$416 -32.4%
Illinois $956 -$328 -25.5%
Indiana $966 -$318 -24.8%
Iowa $864 -$420 -32.7%
Kansas $1,220 -$64 -5.0%
Kentucky $1,752 $468 36.4%
Louisiana $1,900 $616 48.0%
Maine $792 -$492 -38.3%
Maryland $1,058 -$226 -17.6%
Massachusetts $1,028 -$256 -19.9%
Michigan $2,230 $946 73.7%
Minnesota $1,074 -$210 -16.4%
Mississippi $1,536 $252 19.6%
Missouri $1,138 -$146 -11.4%
Montana $1,378 $94 7.3%
Nebraska $1,012 -$272 -21.2%
Nevada $1,540 $256 19.9%
New Hampshire $926 -$358 -27.9%
New Jersey $1,434 $150 11.7%
New Mexico $1,136 -$148 -11.5%
New York $1,350 $66 5.1%
North Carolina $740 -$544 -42.4%
North Dakota $1,052 -$232 -18.1%
Ohio $886 -$398 -31.0%
Oklahoma $1,318 $34 2.6%
Oregon $1,174 -$110 -8.6%
Pennsylvania $1,224 -$60 -4.7%
Rhode Island $1,712 $428 33.3%
South Carolina $1,162 -$122 -9.5%
South Dakota $1,082 -$202 -15.7%
Tennessee $1,124 -$160 -12.5%
Texas $1,548 $264 20.6%
Utah $950 -$334 -26.0%
Vermont $878 -$406 -31.6%
Virginia $768 -$516 -40.2%
Washington $992 -$292 -22.7%
West Virginia $1,176 -$108 -8.4%
Wisconsin $888 -$396 -30.8%
Wyoming $1,144 -$140 -10.9%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Dodge Journey Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Journey SE 2WD $1,178 $98
Dodge Journey SXT 2WD $1,212 $101
Dodge Journey R/T 2WD $1,284 $107
Dodge Journey SXT Crew 2WD $1,284 $107
Dodge Journey SXT AWD $1,284 $107
Dodge Journey R/T AWD $1,320 $110
Dodge Journey SXT Crew AWD $1,320 $110

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.

Dodge Journey Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Dodge Journey $250 $424 $452 $1,284
2019 Dodge Journey $240 $400 $456 $1,254
2018 Dodge Journey $230 $358 $460 $1,206
2017 Dodge Journey $214 $330 $460 $1,162
2014 Dodge Journey $186 $268 $474 $1,086
2013 Dodge Journey $182 $244 $478 $1,062
2012 Dodge Journey $170 $222 $474 $1,024
2011 Dodge Journey $160 $202 $474 $994
2010 Dodge Journey $154 $182 $468 $962
2009 Dodge Journey $152 $178 $460 $948

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 Shop for Low Cost Dodge Journey Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following is a review of the primary concepts that were illustrated above.

  • It is possible to save around $150 per year just by quoting online in advance
  • Drivers who have several accidents or serious violations may have to pay on average $1,490 more per year for Journey insurance
  • Increasing deductibles could save as much as $450 each year
  • Teens are the costliest to insure, costing up to $410 per month if full coverage is included

Rates by Driver Age

Dodge Journey Insurance Rates by Driver Age
Driver Age Premium
16 $4,918
20 $2,956
30 $1,328
40 $1,284
50 $1,174
60 $1,150

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,580
$250 $1,442
$500 $1,284
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,284
50/100 $1,410
100/300 $1,523
250/500 $1,817
100 CSL $1,456
300 CSL $1,704
500 CSL $1,885

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey Insurance Rates for High Risk Drivers
Age Premium
16 $6,992
20 $4,712
30 $2,824
40 $2,778
50 $2,652
60 $2,628

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.

SR-22 Surcharge $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $83
Paid in Full/EFT $55
Advance Quote $62
Online Quote $90
Total Discounts $536
Rate after discounts $748

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles