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 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:

Comprehensive $284
Collision $494
Liability $416

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.

Liability Only $474
Full Coverage $1,352
High Risk $2,924

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.

Rural Areas $1,014
Small Cities $1,420
Large Cities $1,825

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

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance prices range from $781 to $5,080 for full coverage

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.

Dodge Journey Insurance Rates by State
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%

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 $1,230 $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.

Dodge Journey Insurance Rates by Model Year
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

Rates by Driver Age

Dodge Journey Insurance 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

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,696
$250 $1,538
$500 $1,352
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
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

Dodge Journey Insurance 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.

SR-22 Surcharge $187

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
Rate after discounts $781

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

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