Dodge Journey Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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Dodge Journey insurance

Average insurance rates for a Dodge Journey are $1,336 a year for full coverage. Comprehensive insurance costs on average $274 a year, collision insurance costs $474, and liability coverage is estimated at $430. Liability-only coverage costs approximately $486 a year, and high-risk coverage costs $2,888 or more. Teen drivers receive the highest rates at up to $5,048 a year.

Average premium for full coverage: $1,336

Rate estimates by individual coverage type:

Comprehensive $274
Collision $474
Liability $430

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Journey trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the low end price of $486 for just the minimum liability insurance to a high of $2,888 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,336
High Risk $2,888

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how your location can change car insurance rates.

Rural Areas $1,002
Small Cities $1,403
Large Cities $1,804

These examples show why it is important to get quotes based on a specific location, rather than using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below shows average Dodge Journey insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $775
  • Choosing higher $1,000 deductibles can save around $1,166 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,336
  • Choosing low $100 deductibles for comp and collision coverage will cost an additional $330 each year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,888
  • The cost that insures a teenage driver may cost $5,048 each year

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance prices range from $775 to $5,048 for full coverage

Car insurance rates for a Dodge Journey can also vary considerably based on the trim level of your Journey, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 134% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $1,910 on average in Michigan, Louisiana, and New York.

Dodge Journey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,208 -$128 -9.6%
Alaska $1,026 -$310 -23.2%
Arizona $1,110 -$226 -16.9%
Arkansas $1,336 -$0 0.0%
California $1,522 $186 13.9%
Colorado $1,276 -$60 -4.5%
Connecticut $1,374 $38 2.8%
Delaware $1,512 $176 13.2%
Florida $1,670 $334 25.0%
Georgia $1,234 -$102 -7.6%
Hawaii $958 -$378 -28.3%
Idaho $904 -$432 -32.3%
Illinois $996 -$340 -25.4%
Indiana $1,006 -$330 -24.7%
Iowa $902 -$434 -32.5%
Kansas $1,270 -$66 -4.9%
Kentucky $1,822 $486 36.4%
Louisiana $1,978 $642 48.1%
Maine $824 -$512 -38.3%
Maryland $1,102 -$234 -17.5%
Massachusetts $1,070 -$266 -19.9%
Michigan $2,322 $986 73.8%
Minnesota $1,118 -$218 -16.3%
Mississippi $1,600 $264 19.8%
Missouri $1,186 -$150 -11.2%
Montana $1,436 $100 7.5%
Nebraska $1,054 -$282 -21.1%
Nevada $1,600 $264 19.8%
New Hampshire $964 -$372 -27.8%
New Jersey $1,494 $158 11.8%
New Mexico $1,182 -$154 -11.5%
New York $1,406 $70 5.2%
North Carolina $770 -$566 -42.4%
North Dakota $1,094 -$242 -18.1%
Ohio $924 -$412 -30.8%
Oklahoma $1,372 $36 2.7%
Oregon $1,224 -$112 -8.4%
Pennsylvania $1,276 -$60 -4.5%
Rhode Island $1,782 $446 33.4%
South Carolina $1,210 -$126 -9.4%
South Dakota $1,128 -$208 -15.6%
Tennessee $1,170 -$166 -12.4%
Texas $1,610 $274 20.5%
Utah $988 -$348 -26.0%
Vermont $916 -$420 -31.4%
Virginia $800 -$536 -40.1%
Washington $1,034 -$302 -22.6%
West Virginia $1,224 -$112 -8.4%
Wisconsin $926 -$410 -30.7%
Wyoming $1,190 -$146 -10.9%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Choosing high deductibles can save as much as $500 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Dodge Journey Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Journey SE 2WD $1,218 $102
Dodge Journey SXT 2WD $1,256 $105
Dodge Journey R/T 2WD $1,336 $111
Dodge Journey SXT Crew 2WD $1,336 $111
Dodge Journey SXT AWD $1,336 $111
Dodge Journey R/T AWD $1,376 $115
Dodge Journey SXT Crew AWD $1,376 $115

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.

Dodge Journey Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Dodge Journey $274 $474 $430 $1,336
2018 Dodge Journey $250 $424 $452 $1,284
2017 Dodge Journey $240 $400 $456 $1,254
2014 Dodge Journey $206 $310 $464 $1,138
2013 Dodge Journey $202 $288 $474 $1,122
2012 Dodge Journey $186 $268 $474 $1,086
2011 Dodge Journey $182 $244 $478 $1,062
2010 Dodge Journey $170 $222 $474 $1,024
2009 Dodge Journey $160 $202 $474 $994

Rates are averaged for all Dodge Journey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Dodge Journey Insurance

Saving money on auto insurance takes being a low-risk driver, having a positive credit history, eliminating unneeded coverage, and possibly raising deductibles. Shop around once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the data that was illustrated above.

  • Drivers can save as much as $160 per year just by quoting early and online
  • Consumers who require more liability coverage will pay about $470 each year to raise limits from a minimum limit to the 250/500 level
  • Teen drivers are expensive to insure, costing as high as $421 per month if full coverage is purchased
  • Drivers with DUI or reckless driving convictions may pay on average $1,550 more each year to insure their Journey

Rates by Driver Age

Dodge Journey Insurance Rates by Driver Age
Driver Age Premium
16 $5,048
20 $3,078
30 $1,388
40 $1,336
50 $1,222
60 $1,198

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,666
$250 $1,514
$500 $1,336
$1,000 $1,166

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,336
50/100 $1,462
100/300 $1,570
250/500 $1,849
100 CSL $1,505
300 CSL $1,742
500 CSL $1,914

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey Insurance Rates for High Risk Drivers
Age Premium
16 $7,184
20 $4,900
30 $2,944
40 $2,888
50 $2,758
60 $2,732

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $59
Advance Quote $65
Online Quote $94
Total Discounts $561
Rate after discounts $775

Discounts are estimated and may not be available from every company or in every state.

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