Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive insurance costs approximately $250, collision insurance costs $424, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs $2,778 or more. Teenage drivers pay the most at up to $4,918 a year.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and 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

Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save $152 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,284
• Using more expensive low deductibles for comp and collision coverage will cost an extra $296 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,778
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost $4,918 each year

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Insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the model of your Journey, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles can save as much as $450 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates

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 Low Cost Dodge Journey Insurance

Finding better rates on insurance for a Dodge Journey takes having a decent driving record, having a good credit history, refrain from filing small claims, and consideration of higher deductibles. Set aside time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a review of the data that was covered above.

• You may be able to save around $150 per year just by shopping early and online
• Insureds who purchase additional liability coverage will pay an extra $500 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $410 per month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,490 more per year than a driver with a clean driving record