Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive insurance costs an estimated $250, collision insurance costs $424, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage 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 broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical 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

Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below breaks down average Dodge Journey insurance rates for other coverage scenarios.

• The best discount rate is $748
• Using higher $1,000 deductibles will save approximately $152 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,284
• Using more expensive low deductibles for physical damage coverage will cost an additional $296 a year
• Drivers who are prone to accidents and violations could pay up to $2,778
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,918 or more

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Insurance prices for a Dodge Journey also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see prices 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 could cut prices by as much as $450 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

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 Affordable Dodge Journey Insurance

Finding better rates on Dodge Journey insurance requires having a decent driving record, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Compare prices every couple of years by getting quotes from direct car insurance companies, and also from your local car insurance providers.

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

• Drivers who want additional liability coverage will pay an extra $500 per year to increase from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $410 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,490 more annually than a driver with a clean driving record
• Increasing policy deductibles can save approximately $450 each year