Dodge Journey Insurance Rates

Average insurance rates for a Dodge Journey are $1,284 a year for full coverage insurance. Comprehensive costs around $250, collision costs $424, and liability is $452. A policy with just liability insurance costs around $504 a year, with coverage for high-risk drivers costing around $2,778. Teenage drivers receive the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,284

Rate estimates for individual coverage type:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different Journey trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Dodge Journey insurance rates for additional coverage choices and driver risks.

• The best discount rate is $748
• Raising to $1,000 deductibles will save about $152 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,284
• Using more expensive low deductibles bumps up the cost to $1,580
• At-risk drivers who are prone to accidents and violations could pay at least $2,778 or more
• The cost that insures a teen driver with full coverage can be $4,918

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,900 a year. View Rates by Age

Where you live also has a big influence on Dodge Journey insurance prices. A middle-age driver might find rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $450 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different.

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 Affordable Dodge Journey Insurance

Saving money on car insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief review of the data covered in the above illustrations.

• Policyholders who may need more liability coverage will pay an extra $500 annually to raise from a minimum limit to the 250/500 level
• It is possible to save up to $150 per year simply by shopping early and online
• Increasing deductibles can save approximately $450 each year
• Teen drivers are charged the highest rates, costing up to $410 per month if comprehensive and collision insurance is included