Dodge Journey Insurance Rates

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

Average premium for full coverage: $1,284

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Journey models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities.

The example below illustrates how your location can change auto insurance prices.

These examples demonstrate why everyone should compare rates using their specific location and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below details estimated Dodge Journey insurance rates for additional coverage and risk scenarios.

• The best discount rate is $748
• Drivers who choose higher $1,000 deductibles will pay $152 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,284
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $296 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,778 or more
• The cost with full coverage for a teen driver for full coverage can cost $4,918 a year

View Chart as Image

Insurance rates for a Dodge Journey can also vary considerably based on the trim level of your Journey, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional per year, depending on your age. Dodge Journey insurance for high-risk drivers can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $450 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and rates can be significantly different 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 More Affordable Dodge Journey Insurance

Saving money on car insurance not only requires being a low-risk driver, but also having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a summary of the primary concepts that were illustrated above.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,490 more per year to insure their Journey
• Increasing deductibles could save up to $450 each year
• Teen drivers are the costliest to insure, with premiums as much as $410 per month if they have full coverage