Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive insurance costs on average $250, collision costs $424, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing $2,778 or more. Teenage drivers pay the most at $4,918 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different Journey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

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

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save around $152 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,284
• Using more expensive low deductibles for comp and collision coverage will cost an extra $296 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,778 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage may cost $4,918 each year

View Chart as Image

Auto insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the model of your Journey, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $450 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially 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 Cheap Dodge Journey Insurance

Finding better rates on insurance for a Dodge Journey takes avoiding accidents and violations, having good credit, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

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

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,490 more each year for car insurance
• You may be able to save as much as $150 per year simply by shopping early and online
• Increasing policy deductibles can save around $450 each year
• Insureds who require higher liability limits will pay an extra $500 per year to raise limits from 30/60 bodily injury limits to 250/500 limits