Dodge Journey Insurance Rates

Average insurance rates for a Dodge Journey are $1,318 a year for full coverage insurance. Comprehensive insurance costs on average $260 a year, collision costs $458, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $2,854 or more. Teens receive the highest rates at $5,022 a year or more.

Average premium for full coverage: $1,318

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Journey trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why it is important to compare rates based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Dodge Journey insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $764
• Drivers who choose higher $1,000 deductibles will pay around $1,154 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,318
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $316 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,854 or more
• The cost for full coverage for a teen driver may cost $5,022 a year

View Chart as Image

Insurance rates for a Dodge Journey can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

Where you live makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $480 every year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 136% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every company calculates rates differently, and rates can be significantly different from one company to the next.

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 the Best Dodge Journey Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a brief recap of the information covered above.

• It is possible to save as much as $160 per year simply by quoting early and online
• Drivers under the age of 20 pay higher rates, costing up to $419 per month including comprehensive and collision insurance
• Increasing deductibles can save around $475 each year
• Higher risk drivers who tend to receive serious violations pay an average of $1,540 more each year to insure a Dodge Journey
• Policyholders who require increased liability limits will pay approximately $490 annually to go from a minimum limit to 250/500 limits