Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,336 a year for full coverage insurance. Comprehensive costs approximately $274 each year, collision insurance costs $474, and liability costs around $430. Buying just liability costs as low as $486 a year, and insurance for high-risk drivers costs around $2,888. Teens cost the most to insure at up to $5,048 a year.

Average premium for full coverage: $1,336

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location, instead of using averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Dodge Journey insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $775
• Using higher $1,000 deductibles will save $170 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,336
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,666
• Drivers with serious driving violations could pay around $2,888
• Policy cost that insures a teen driver can cost $5,048 or more

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see rates as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,800 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $500 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

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 Low Cost Dodge Journey Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates every couple of years by getting quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a review of the material that was touched on in the above illustrations.

• Policyholders who purchase additional liability coverage will pay approximately $470 annually to increase from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, possibly costing $421 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,550 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $500 each year