Dodge Journey Insurance Rates

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

Average premium for full coverage: $1,284

Premium estimates for type of coverage:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Journey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance rates.

These rate differences illustrate why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Dodge Journey insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $748
• Raising to $1,000 deductibles will save about $1,132 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,284
• Selecting low $100 deductibles will increase the cost to $1,580
• Drivers with serious driving violations could pay at least $2,778 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $4,918

View Chart as Image

Car insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Journey insurance prices. A middle-age driver might find prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

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

If you have a few violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra annually, 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

With such a large range in prices, the only way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so rate quotes 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 consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief summary of the data that was illustrated above.

• It is possible to save up to $150 per year simply by quoting early and online
• Insureds who may need more liability coverage will pay approximately $500 annually to raise from 30/60 bodily injury limits to 250/500 limits
• Teen drivers are the costliest to insure, with premiums being up to $410 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,490 more every year to insure their Journey