Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,284 a year for full coverage insurance. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $424, and liability costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $2,778 or more. Teens cost the most to insure at up to $4,918 a year.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area, instead of using averaged prices.

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

Additional Rate Information

The chart below illustrates average Dodge Journey insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $748
• Using higher $1,000 deductibles will save approximately $1,132 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,284
• Selecting low $100 deductibles for physical damage coverage will cost an additional $296 every year
• Drivers with serious driving violations could pay up to $2,778
• Policy cost that insures a teen driver can cost as much as $4,918 or more

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Insurance rates for a Dodge Journey also range considerably based on the trim level of your Journey, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $450 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

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 More Affordable Dodge Journey Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and possibly raising deductibles. Compare rates at least every other year by requesting rates from direct insurance companies, and also from local insurance agencies.

The list below is a summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,490 more annually for car insurance
• It is possible to save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Policyholders who want higher liability limits will pay approximately $500 annually to increase from a 30/60 limit to the 250/500 level