Dodge Journey Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
|
Written by
Jeffrey Johnson
|
UPDATED: Apr 30, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,724 |
| $250 | $1,560 |
| $500 | $1,366 |
| $1,000 | $1,180 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
