Dodge Journey Insurance Rates

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

Average premium for full coverage: $1,284

Premium estimates broken down by type of coverage:

Prices include $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

These rate differences illustrate why everyone should compare prices for a targeted area, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $748
• Using higher $1,000 deductibles will save approximately $152 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,284
• Selecting pricier low deductibles for physical damage coverage will cost an additional $296 every year
• Drivers with serious driving violations could pay up to $2,778 or more
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $4,918 or more

View Chart as Image

Insurance prices for a Dodge Journey also have a wide range based on the model of your Journey, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,100 extra annually, depending on your age. Dodge Journey insurance for high-risk drivers can be as much as 43% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see prices 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 prices by as much as $450 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each insurance company calculates prices differently, so the prices will be substantially 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 the Right Dodge Journey Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below is a quick rundown of the data covered in the charts and tables above.

• Policyholders who want higher levels of liability will pay approximately $500 annually to increase from 30/60 bodily injury limits to the 250/500 level
• It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $450 each year
• Teenage drivers are charged the highest prices, with premiums being up to $410 per month if full coverage is included