Dodge Journey Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance prices for a Dodge Journey are $1,352 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $284 each year, collision insurance costs $494, and liability insurance costs around $416. Liability-only coverage costs as low as $474 a year, and high-risk coverage costs $2,924 or more. Teen drivers receive the highest rates at up to $5,080 a year.
Average premium for full coverage: $1,352
Rate estimates broken down by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Journey models.
Price Range by Coverage and Risk
For the average driver, prices range range from the cheapest price of $474 for liability-only coverage to a high rate of $2,924 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how location impacts insurance prices.
These examples illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than relying on 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 Charts and Tables
The chart below illustrates average Dodge Journey insurance rates for other coverage scenarios.
- The lowest rate with discounts is $781
- Using higher $1,000 deductibles will save approximately $176 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,352
- Choosing low deductibles for physical damage coverage costs an extra $344 a year
- Drivers with multiple violations and an at-fault accident could pay up to $2,924
- The cost to insure a teen driver can cost as much as $5,080 or more
Car insurance rates for a Dodge Journey can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $520 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than average. View High Risk Driver Rates
Where you live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see rates as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,830 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,222 | -$130 | -9.6% |
| Alaska | $1,040 | -$312 | -23.1% |
| Arizona | $1,124 | -$228 | -16.9% |
| Arkansas | $1,352 | -$0 | 0.0% |
| California | $1,542 | $190 | 14.1% |
| Colorado | $1,294 | -$58 | -4.3% |
| Connecticut | $1,392 | $40 | 3.0% |
| Delaware | $1,532 | $180 | 13.3% |
| Florida | $1,694 | $342 | 25.3% |
| Georgia | $1,248 | -$104 | -7.7% |
| Hawaii | $972 | -$380 | -28.1% |
| Idaho | $916 | -$436 | -32.2% |
| Illinois | $1,008 | -$344 | -25.4% |
| Indiana | $1,018 | -$334 | -24.7% |
| Iowa | $914 | -$438 | -32.4% |
| Kansas | $1,288 | -$64 | -4.7% |
| Kentucky | $1,846 | $494 | 36.5% |
| Louisiana | $2,002 | $650 | 48.1% |
| Maine | $836 | -$516 | -38.2% |
| Maryland | $1,116 | -$236 | -17.5% |
| Massachusetts | $1,084 | -$268 | -19.8% |
| Michigan | $2,350 | $998 | 73.8% |
| Minnesota | $1,132 | -$220 | -16.3% |
| Mississippi | $1,620 | $268 | 19.8% |
| Missouri | $1,202 | -$150 | -11.1% |
| Montana | $1,456 | $104 | 7.7% |
| Nebraska | $1,068 | -$284 | -21.0% |
| Nevada | $1,622 | $270 | 20.0% |
| New Hampshire | $974 | -$378 | -28.0% |
| New Jersey | $1,512 | $160 | 11.8% |
| New Mexico | $1,198 | -$154 | -11.4% |
| New York | $1,426 | $74 | 5.5% |
| North Carolina | $780 | -$572 | -42.3% |
| North Dakota | $1,106 | -$246 | -18.2% |
| Ohio | $936 | -$416 | -30.8% |
| Oklahoma | $1,390 | $38 | 2.8% |
| Oregon | $1,240 | -$112 | -8.3% |
| Pennsylvania | $1,290 | -$62 | -4.6% |
| Rhode Island | $1,804 | $452 | 33.4% |
| South Carolina | $1,226 | -$126 | -9.3% |
| South Dakota | $1,144 | -$208 | -15.4% |
| Tennessee | $1,184 | -$168 | -12.4% |
| Texas | $1,632 | $280 | 20.7% |
| Utah | $1,002 | -$350 | -25.9% |
| Vermont | $926 | -$426 | -31.5% |
| Virginia | $810 | -$542 | -40.1% |
| Washington | $1,048 | -$304 | -22.5% |
| West Virginia | $1,240 | -$112 | -8.3% |
| Wisconsin | $936 | -$416 | -30.8% |
| Wyoming | $1,206 | -$146 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,230 | $103 |
| Dodge Journey SXT 2WD | $1,270 | $106 |
| Dodge Journey R/T 2WD | $1,352 | $113 |
| Dodge Journey SXT Crew 2WD | $1,352 | $113 |
| Dodge Journey SXT AWD | $1,352 | $113 |
| Dodge Journey R/T AWD | $1,394 | $116 |
| Dodge Journey SXT Crew AWD | $1,394 | $116 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Journey | $284 | $494 | $416 | $1,352 |
| 2018 Dodge Journey | $260 | $458 | $442 | $1,318 |
| 2017 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2014 Dodge Journey | $214 | $330 | $460 | $1,162 |
| 2013 Dodge Journey | $206 | $310 | $464 | $1,138 |
| 2012 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2011 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2010 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2009 Dodge Journey | $170 | $222 | $474 | $1,024 |
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 Shop for Affordable Dodge Journey Insurance
Saving money on Dodge Journey insurance requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a brief review of the car insurance concepts touched on above.
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,570 more annually for car insurance
- It is possible to save approximately $160 per year just by quoting online in advance
- Increasing deductibles could save as much as $525 each year
- Drivers who want higher liability limits will pay about $460 annually to increase from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,080 |
| 20 | $3,116 |
| 30 | $1,408 |
| 40 | $1,352 |
| 50 | $1,236 |
| 60 | $1,212 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,696 |
| $250 | $1,538 |
| $500 | $1,352 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,352 |
| 50/100 | $1,477 |
| 100/300 | $1,581 |
| 250/500 | $1,852 |
| 100 CSL | $1,519 |
| 300 CSL | $1,748 |
| 500 CSL | $1,914 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,236 |
| 20 | $4,960 |
| 30 | $2,986 |
| 40 | $2,924 |
| 50 | $2,790 |
| 60 | $2,764 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $72 |
| Multi-vehicle | $71 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $96 |
| Total Discounts | $571 |
Discounts are estimated and may not be available from every company or in every state.
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