Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,318 a year with full coverage. Comprehensive insurance costs approximately $260 each year, collision costs $458, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $2,854 or more. Teens pay the most at $5,022 a year or more.

Average premium for full coverage: $1,318

Premium estimates by type of coverage:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance prices.

These rate differences demonstrate why all drivers should get quotes using their specific location, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below details estimated Dodge Journey insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $764
• Choosing higher $1,000 deductibles can save $164 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,318
• Selecting low deductibles for comp and collision coverage will cost an additional $316 every year
• Unlucky drivers with serious driving violations could pay around $2,854 or more
• An auto insurance policy that insures a teen driver can cost $5,022 each year

View Chart as Image

Auto insurance prices for a Dodge Journey also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 136% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices will be substantially different.

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 the Best Dodge Journey Insurance

Finding better rates on car insurance takes not taking risks behind the wheel, maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare rates at least every other year by requesting quotes from direct companies, and also from local insurance agencies.

The following is a brief recap of the car insurance concepts illustrated above.

• Higher risk drivers who tend to receive serious violations may have to pay on average $1,540 more per year for Journey insurance
• You may be able to save around $160 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $475 each year
• Policyholders who purchase higher liability limits will pay approximately $490 every year to raise limits from 30/60 bodily injury limits to the 250/500 level