Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,284 a year for full coverage. Comprehensive insurance costs around $250 each year, collision costs $424, and liability insurance costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing $2,778 or more. Teenage drivers cost the most to insure at $4,918 a year or more.

Average premium for full coverage: $1,284

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code, rather than relying on average rates.

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

Additional Charts and Tables

The chart below shows estimated Dodge Journey insurance rates for additional coverage choices and driver risks.

• The best discount rate is $748
• Drivers who choose higher $1,000 deductibles will pay about $152 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,284
• Using low deductibles for comprehensive and collision insurance will cost an additional $296 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,778 or more
• Policy cost that insures a teen driver can be $4,918 a year

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,900 a year. View Rates by Age

Your home state makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $450 each year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied.

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 More Affordable Dodge Journey Insurance

Finding cheaper rates on Dodge Journey insurance not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least once a year by requesting rates from direct carriers, and also from several local insurance agents.

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

• Drivers can save up to $150 per year simply by quoting online in advance
• High-risk drivers who have multiple accidents or major violations pay on average $1,490 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• 16 to 18-year-old drivers are charged the highest rates, costing up to $410 each month if comprehensive and collision insurance is included