Dodge Journey Insurance Rates

The average insurance prices for a Dodge Journey are $1,284 every 12 months for full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $424, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $2,778 or more. Teenage drivers cost the most to insure at up to $4,918 a year.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above show why it is important to compare prices for a targeted area and their own driving history, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $748
• Using higher $1,000 deductibles will save approximately $1,132 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,284
• Using low $100 deductibles for physical damage coverage costs an extra $296 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,778
• Policy cost to insure a teenage driver can cost as much as $4,918 or more

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $450 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Shop for Low Cost Dodge Journey Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every other policy renewal by requesting rates from direct carriers, and also from several local insurance agents.

Below you'll find a review of the ideas that were raised in the charts and tables above.

• Youthful drivers are expensive to insure, costing up to $410 each month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,490 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Drivers can save approximately $150 per year just by quoting early and online