Dodge Journey Insurance Rates

U.S. average auto insurance rates for a Dodge Journey are $1,284 annually including full coverage. Comprehensive insurance costs around $250 a year, collision costs $424, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing $2,778 or more. Teenage drivers pay the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,284

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Journey trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The ranges above highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below breaks down 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 $1,132 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,284
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $296 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,778 or more
• The price with full coverage for a teenage driver can be $4,918 a year

View Chart as Image

Car insurance prices for a Dodge Journey are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $450 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy Cheap Dodge Journey Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief summary of the information touched on above.

• You may be able to save up to $150 per year simply by quoting early and online
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $410 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save up to $450 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,490 more every year than a driver with a clean driving record
• Consumers who may need additional liability coverage will pay an extra $500 per year to go from a low limit to higher 250/500 limits