Dodge Journey Insurance Rates

U.S. average insurance rates for a Dodge Journey are $1,284 a year for full coverage. Comprehensive insurance costs an estimated $250, collision costs $424, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing $2,778 or more. 16-year-old drivers pay the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,284

Price estimates broken down by individual coverage:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Journey trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than congested cities.

The price range example below illustrates how rural and urban location affects insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying on rate averages.

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

More Rate Information

The chart below shows 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 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,284
• Buying more expensive low deductibles for physical damage coverage will cost an extra $296 a year
• Drivers with multiple tickets or accidents could pay up to $2,778 or more
• The price for full coverage for a teen driver with full coverage can cost as much as $4,918 or more

View Chart as Image

Insurance prices for a Dodge Journey are also quite variable based on your driving record, the trim level of your Journey, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

The state you live in has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,830 on average in New York, Louisiana, 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. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,500 to $2,100 additional each year, 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

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and prices may be quite different from one company to the next.

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

Getting lower rates on Dodge Journey insurance requires being a good driver, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a quick review of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are expensive to insure, with premiums as much as $410 a month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation pay an average of $1,490 more annually than a safer driver
• Increasing physical damage deductibles can save around $450 each year
• Drivers can save approximately $150 per year simply by shopping early and online