Dodge Journey Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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Average insurance rates for a Dodge Journey are $1,318 a year with full coverage. Comprehensive insurance costs on average $260, collision insurance costs $458, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $2,854 or more. 16-year-old drivers receive the highest rates at up to $5,022 a year.
Average premium for full coverage: $1,318
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Journey trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $496 for just the minimum liability insurance to a much higher rate of $2,854 for a high-risk driver policy.
Price Range by Location
Where you live has a significant impact on auto insurance rates. Rural areas tend to have lower incidents of collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location, rather than relying on rate 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 Analysis
The chart below details average Dodge Journey insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $764
- Using higher $1,000 deductibles will save around $164 annually
- The estimated price for a 40-year-old driver with $500 deductibles is $1,318
- Buying more expensive low deductibles for physical damage coverage will cost an additional $316 a year
- Drivers with multiple tickets or accidents could pay upwards of $2,854
- The cost that insures a teen driver with full coverage may cost $5,022 or more
Insurance rates for a Dodge Journey can also vary considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance can be anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,000 a year. View Rates by Age
Where you live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $480 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Journey | $260 | $458 | $442 | $1,318 |
| 2019 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2018 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2017 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2014 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2013 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2012 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2011 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2010 Dodge Journey | $160 | $202 | $474 | $994 |
| 2009 Dodge Journey | $154 | $182 | $468 | $962 |
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 Find Cheap Dodge Journey Insurance
Saving money on Dodge Journey insurance requires avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a brief summary of the information covered above.
- You may be able to save as much as $160 per year just by shopping early and online
- Drivers under the age of 20 pay higher rates, with premiums as much as $419 per month if comprehensive and collision insurance is included
- Increasing deductibles can save approximately $475 each year
- High-risk drivers that tend to have accidents or serious violations pay on average $1,540 more each year to insure a Dodge Journey
- Drivers who require increased liability limits will pay around $490 every year to increase from a minimum limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,634 |
| $250 | $1,486 |
| $500 | $1,318 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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