Dodge Journey Insurance Rates

The average auto insurance rates for a Dodge Journey are $1,284 annually for full coverage. Comprehensive insurance costs on average $250 a year, collision costs $424, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $2,778 or more. Teens cost the most to insure at $4,918 a year or more.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $748
• Raising to $1,000 deductibles will save around $1,132 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,284
• Selecting low $100 deductibles costs an additional $296 annually
• Drivers with serious driving violations could pay upwards of $2,778 or more
• Policy cost with full coverage for a 16-year-old driver may cost $4,918

View Chart as Image

Car insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $450 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Dodge Journey insurance prices. A middle-age driver might find rates as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from multiple companies. Every auto insurance company calculates rates differently, so rate quotes will be varied between companies.

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 Buy the Best Dodge Journey Insurance

Finding cheaper rates on insurance for a Dodge Journey consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief recap of the concepts that were presented in the illustrations above.

• Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,490 more each year to insure a Dodge Journey
• Drivers under the age of 20 are expensive to insure, costing up to $410 each month if comprehensive and collision insurance is included
• Drivers can save as much as $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Drivers can save as much as $150 per year simply by quoting early and online