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: Apr 3, 2024

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Dodge Journey insurance

U.S. average auto insurance rates for a Dodge Journey are $1,318 annually including full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $458, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $2,854 or more. Teen drivers pay the highest rates at up to $5,022 a year.

Average premium for full coverage: $1,318

Price estimates broken down by individual coverage:

Comprehensive $260
Collision $458
Liability $442

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Journey models.

Price Range from Low to High

For the average 40-year-old driver, Dodge Journey insurance prices range from as cheap as $496 for minimum levels of liability insurance to the much higher price of $2,854 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $1,318
High Risk $2,854

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on insurance prices.

Rural Areas $989
Small Cities $1,384
Large Cities $1,779

The ranges above highlight why everyone should get quotes for a targeted area and their own personal driving habits, 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 Details

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

  • The lowest rate with discounts is $764
  • Choosing higher $1,000 deductibles can save approximately $164 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,318
  • Choosing pricier low deductibles for comp and collision coverage costs an additional $316 each year
  • Drivers with multiple violations and an at-fault accident could pay up to $2,854
  • The price with full coverage for a teenage driver for full coverage can cost as much as $5,022 each year

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance prices range from $764 to $5,022 for full coverage

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

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,600 to $2,200 in extra premium each year, depending on your age. Dodge Journey insurance for high-risk drivers ranges around 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $480 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.

Dodge Journey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,192 -$126 -9.6%
Alaska $1,010 -$308 -23.4%
Arizona $1,096 -$222 -16.8%
Arkansas $1,318 -$0 0.0%
California $1,502 $184 14.0%
Colorado $1,258 -$60 -4.6%
Connecticut $1,354 $36 2.7%
Delaware $1,492 $174 13.2%
Florida $1,648 $330 25.0%
Georgia $1,216 -$102 -7.7%
Hawaii $946 -$372 -28.2%
Idaho $892 -$426 -32.3%
Illinois $982 -$336 -25.5%
Indiana $992 -$326 -24.7%
Iowa $888 -$430 -32.6%
Kansas $1,252 -$66 -5.0%
Kentucky $1,798 $480 36.4%
Louisiana $1,952 $634 48.1%
Maine $812 -$506 -38.4%
Maryland $1,088 -$230 -17.5%
Massachusetts $1,056 -$262 -19.9%
Michigan $2,288 $970 73.6%
Minnesota $1,102 -$216 -16.4%
Mississippi $1,578 $260 19.7%
Missouri $1,168 -$150 -11.4%
Montana $1,416 $98 7.4%
Nebraska $1,038 -$280 -21.2%
Nevada $1,578 $260 19.7%
New Hampshire $948 -$370 -28.1%
New Jersey $1,474 $156 11.8%
New Mexico $1,168 -$150 -11.4%
New York $1,388 $70 5.3%
North Carolina $760 -$558 -42.3%
North Dakota $1,078 -$240 -18.2%
Ohio $910 -$408 -31.0%
Oklahoma $1,354 $36 2.7%
Oregon $1,208 -$110 -8.3%
Pennsylvania $1,258 -$60 -4.6%
Rhode Island $1,758 $440 33.4%
South Carolina $1,192 -$126 -9.6%
South Dakota $1,112 -$206 -15.6%
Tennessee $1,154 -$164 -12.4%
Texas $1,588 $270 20.5%
Utah $976 -$342 -25.9%
Vermont $902 -$416 -31.6%
Virginia $790 -$528 -40.1%
Washington $1,020 -$298 -22.6%
West Virginia $1,208 -$110 -8.3%
Wisconsin $912 -$406 -30.8%
Wyoming $1,174 -$144 -10.9%

View Chart as Image

Dodge Journey insurance rates by U.S. city

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 $1,204 $100
Dodge Journey SXT 2WD $1,242 $104
Dodge Journey R/T 2WD $1,318 $110
Dodge Journey SXT Crew 2WD $1,318 $110
Dodge Journey SXT AWD $1,318 $110
Dodge Journey R/T AWD $1,354 $113
Dodge Journey SXT Crew AWD $1,354 $113

Rates assume 2019 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
2019 Dodge Journey $260 $458 $442 $1,318
2018 Dodge Journey $250 $424 $452 $1,284
2017 Dodge Journey $240 $400 $456 $1,254
2016 Dodge Journey $230 $358 $460 $1,206
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 Buy Affordable Dodge Journey Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having above-average credit, being claim-free, and consideration of higher deductibles. Make time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a brief review of the data that was touched on in this article.

  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
  • Consumers who want higher levels of liability will pay about $490 per year to raise limits from a low limit to higher 250/500 limits
  • Teenage drivers are the costliest to insure, possibly costing $419 a month if full coverage is included
  • Drivers with DUI or reckless driving convictions could be forced to pay on average $1,540 more annually for auto insurance

Rates by Driver Age

Dodge Journey Insurance Rates by Driver Age
Driver Age Premium
16 $5,022
20 $3,040
30 $1,366
40 $1,318
50 $1,204
60 $1,180

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,634
$250 $1,486
$500 $1,318
$1,000 $1,154

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,318
50/100 $1,442
100/300 $1,553
250/500 $1,840
100 CSL $1,487
300 CSL $1,730
500 CSL $1,907

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey Insurance Rates for High Risk Drivers
Age Premium
16 $7,144
20 $4,846
30 $2,906
40 $2,854
50 $2,726
60 $2,700

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 $184

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $94
5-yr Claim Free $85
Paid in Full/EFT $58
Advance Quote $64
Online Quote $93
Total Discounts $554
Rate after discounts $764

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

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