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Dodge Journey Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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Dodge Journey insurance

U.S. average insurance prices for a Dodge Journey are $1,366 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $306 a year, collision costs $512, and liability is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing $2,940 or more. Teen drivers pay the highest rates at $5,052 a year or more.

Average premium for full coverage: $1,366

Price estimates by individual coverage:

Comprehensive $306
Collision $512
Liability $390

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Journey trim levels.

Price Range from Low to High

For the normal driver, Dodge Journey insurance prices go from the cheapest price of $452 for liability-only coverage to a high of $2,940 for a driver who requires high-risk insurance.

Liability Only $452
Full Coverage $1,366
High Risk $2,940

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,025
Small Cities $1,434
Large Cities $1,844

The ranges above illustrate why it is important to compare rates quotes using their specific location and their own driving history, instead of 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 Charts and Tables

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

  • The lowest rate with discounts is $792
  • Raising to $1,000 deductibles will save $1,180 each year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,366
  • Choosing low $100 deductibles costs an extra $358 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay around $2,940 or more
  • The price to insure a teen driver can cost $5,052

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing full coverage Dodge Journey insurance prices range from $792 to $5,052

Auto insurance prices for a Dodge Journey are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Journey.

Choosing high deductibles can reduce prices by up to $550 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 131% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Dodge Journey insurance prices. A middle-age driver might find prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,850 on average in Florida, New York, and Michigan.

Dodge Journey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,236 -$130 -9.5%
Alaska $1,048 -$318 -23.3%
Arizona $1,134 -$232 -17.0%
Arkansas $1,366 -$0 0.0%
California $1,556 $190 13.9%
Colorado $1,304 -$62 -4.5%
Connecticut $1,406 $40 2.9%
Delaware $1,546 $180 13.2%
Florida $1,710 $344 25.2%
Georgia $1,262 -$104 -7.6%
Hawaii $980 -$386 -28.3%
Idaho $924 -$442 -32.4%
Illinois $1,016 -$350 -25.6%
Indiana $1,030 -$336 -24.6%
Iowa $924 -$442 -32.4%
Kansas $1,300 -$66 -4.8%
Kentucky $1,864 $498 36.5%
Louisiana $2,022 $656 48.0%
Maine $844 -$522 -38.2%
Maryland $1,128 -$238 -17.4%
Massachusetts $1,094 -$272 -19.9%
Michigan $2,374 $1,008 73.8%
Minnesota $1,142 -$224 -16.4%
Mississippi $1,636 $270 19.8%
Missouri $1,212 -$154 -11.3%
Montana $1,468 $102 7.5%
Nebraska $1,078 -$288 -21.1%
Nevada $1,638 $272 19.9%
New Hampshire $982 -$384 -28.1%
New Jersey $1,528 $162 11.9%
New Mexico $1,210 -$156 -11.4%
New York $1,438 $72 5.3%
North Carolina $786 -$580 -42.5%
North Dakota $1,118 -$248 -18.2%
Ohio $944 -$422 -30.9%
Oklahoma $1,402 $36 2.6%
Oregon $1,250 -$116 -8.5%
Pennsylvania $1,304 -$62 -4.5%
Rhode Island $1,822 $456 33.4%
South Carolina $1,238 -$128 -9.4%
South Dakota $1,152 -$214 -15.7%
Tennessee $1,198 -$168 -12.3%
Texas $1,648 $282 20.6%
Utah $1,010 -$356 -26.1%
Vermont $936 -$430 -31.5%
Virginia $818 -$548 -40.1%
Washington $1,054 -$312 -22.8%
West Virginia $1,252 -$114 -8.3%
Wisconsin $946 -$420 -30.7%
Wyoming $1,220 -$146 -10.7%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different.

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 $1,238 $103
Dodge Journey SXT 2WD $1,280 $107
Dodge Journey R/T 2WD $1,366 $114
Dodge Journey SXT Crew 2WD $1,366 $114
Dodge Journey SXT AWD $1,366 $114
Dodge Journey R/T AWD $1,410 $118
Dodge Journey SXT Crew AWD $1,410 $118

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 $306 $512 $390 $1,366
2019 Dodge Journey $294 $506 $398 $1,356
2018 Dodge Journey $284 $494 $416 $1,352
2017 Dodge Journey $274 $474 $430 $1,336
2016 Dodge Journey $260 $458 $442 $1,318
2015 Dodge Journey $250 $424 $452 $1,284
2014 Dodge Journey $240 $400 $456 $1,254
2013 Dodge Journey $230 $358 $460 $1,206
2012 Dodge Journey $214 $330 $460 $1,162
2011 Dodge Journey $206 $310 $464 $1,138
2010 Dodge Journey $202 $288 $474 $1,122
2009 Dodge Journey $186 $268 $474 $1,086

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 Cheap Dodge Journey Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a brief summary of the concepts that were presented in the illustrations above.

  • Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,570 more per year than a low-risk driver
  • Youthful drivers have the highest car insurance prices, as much as $421 a month if comprehensive and collision insurance is included
  • It is possible to save around $160 per year simply by quoting early and online
  • Increasing physical damage deductibles could save as much as $550 each year
  • It is possible to save around $160 per year simply by quoting early and online

Rates by Driver Age

Dodge Journey Insurance Rates by Driver Age
Driver Age Premium
16 $5,052
20 $3,130
30 $1,424
40 $1,366
50 $1,246
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,724
$250 $1,560
$500 $1,366
$1,000 $1,180

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,366
50/100 $1,488
100/300 $1,586
250/500 $1,839
100 CSL $1,527
300 CSL $1,742
500 CSL $1,898

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey Insurance Rates for High Risk Drivers
Age Premium
16 $7,202
20 $4,976
30 $3,004
40 $2,940
50 $2,804
60 $2,778

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 $70
Homeowner $20
5-yr Accident Free $99
5-yr Claim Free $87
Paid in Full/EFT $62
Advance Quote $67
Online Quote $97
Total Discounts $574
Rate after discounts $792

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

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