Dodge Journey Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for a Dodge Journey are $1,336 a year for full coverage. Comprehensive insurance costs around $274, collision insurance costs $474, and liability coverage is estimated at $430. A policy with only liability insurance costs approximately $486 a year, and a high-risk policy costs $2,888 or more. 16-year-old drivers pay the most at up to $5,048 a year.
Average premium for full coverage: $1,336
Premium estimates for type of coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Journey trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Dodge Journey range from as low as $486 for basic liability insurance to a much higher rate of $2,888 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than congested cities. The price range example below illustrates the difference location can make on auto insurance rates.
These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows average Dodge Journey insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $775
- Choosing higher $1,000 deductibles can save about $170 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,336
- Buying more expensive low deductibles for comp and collision coverage will cost an extra $330 each year
- Drivers with multiple tickets or accidents could pay at least $2,888
- An auto insurance policy for full coverage for a teenage driver with full coverage can be $5,048 each year
Car insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the trim level of your Journey, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $5,000 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or at least $1,910 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,208 | -$128 | -9.6% |
| Alaska | $1,026 | -$310 | -23.2% |
| Arizona | $1,110 | -$226 | -16.9% |
| Arkansas | $1,336 | -$0 | 0.0% |
| California | $1,522 | $186 | 13.9% |
| Colorado | $1,276 | -$60 | -4.5% |
| Connecticut | $1,374 | $38 | 2.8% |
| Delaware | $1,512 | $176 | 13.2% |
| Florida | $1,670 | $334 | 25.0% |
| Georgia | $1,234 | -$102 | -7.6% |
| Hawaii | $958 | -$378 | -28.3% |
| Idaho | $904 | -$432 | -32.3% |
| Illinois | $996 | -$340 | -25.4% |
| Indiana | $1,006 | -$330 | -24.7% |
| Iowa | $902 | -$434 | -32.5% |
| Kansas | $1,270 | -$66 | -4.9% |
| Kentucky | $1,822 | $486 | 36.4% |
| Louisiana | $1,978 | $642 | 48.1% |
| Maine | $824 | -$512 | -38.3% |
| Maryland | $1,102 | -$234 | -17.5% |
| Massachusetts | $1,070 | -$266 | -19.9% |
| Michigan | $2,322 | $986 | 73.8% |
| Minnesota | $1,118 | -$218 | -16.3% |
| Mississippi | $1,600 | $264 | 19.8% |
| Missouri | $1,186 | -$150 | -11.2% |
| Montana | $1,436 | $100 | 7.5% |
| Nebraska | $1,054 | -$282 | -21.1% |
| Nevada | $1,600 | $264 | 19.8% |
| New Hampshire | $964 | -$372 | -27.8% |
| New Jersey | $1,494 | $158 | 11.8% |
| New Mexico | $1,182 | -$154 | -11.5% |
| New York | $1,406 | $70 | 5.2% |
| North Carolina | $770 | -$566 | -42.4% |
| North Dakota | $1,094 | -$242 | -18.1% |
| Ohio | $924 | -$412 | -30.8% |
| Oklahoma | $1,372 | $36 | 2.7% |
| Oregon | $1,224 | -$112 | -8.4% |
| Pennsylvania | $1,276 | -$60 | -4.5% |
| Rhode Island | $1,782 | $446 | 33.4% |
| South Carolina | $1,210 | -$126 | -9.4% |
| South Dakota | $1,128 | -$208 | -15.6% |
| Tennessee | $1,170 | -$166 | -12.4% |
| Texas | $1,610 | $274 | 20.5% |
| Utah | $988 | -$348 | -26.0% |
| Vermont | $916 | -$420 | -31.4% |
| Virginia | $800 | -$536 | -40.1% |
| Washington | $1,034 | -$302 | -22.6% |
| West Virginia | $1,224 | -$112 | -8.4% |
| Wisconsin | $926 | -$410 | -30.7% |
| Wyoming | $1,190 | -$146 | -10.9% |
Opting for high physical damage deductibles can save as much as $500 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance ranges around 44% to 134% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,218 | $102 |
| Dodge Journey SXT 2WD | $1,256 | $105 |
| Dodge Journey R/T 2WD | $1,336 | $111 |
| Dodge Journey SXT Crew 2WD | $1,336 | $111 |
| Dodge Journey SXT AWD | $1,336 | $111 |
| Dodge Journey R/T AWD | $1,376 | $115 |
| Dodge Journey SXT Crew AWD | $1,376 | $115 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Journey | $274 | $474 | $430 | $1,336 |
| 2018 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2017 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2014 Dodge Journey | $206 | $310 | $464 | $1,138 |
| 2013 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2012 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2011 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2010 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2009 Dodge Journey | $160 | $202 | $474 | $994 |
Rates are averaged for all Dodge Journey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Dodge Journey Insurance
Finding better rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The points below are a condensed summary of the data touched on in this article.
- Consumers who may need increased liability limits will pay around $470 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
- Drivers can save up to $160 per year just by shopping early and online
- Increasing policy deductibles can save around $500 each year
- Drivers under the age of 20 are the costliest to insure, as much as $421 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,048 |
| 20 | $3,078 |
| 30 | $1,388 |
| 40 | $1,336 |
| 50 | $1,222 |
| 60 | $1,198 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,666 |
| $250 | $1,514 |
| $500 | $1,336 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,336 |
| 50/100 | $1,462 |
| 100/300 | $1,570 |
| 250/500 | $1,849 |
| 100 CSL | $1,505 |
| 300 CSL | $1,742 |
| 500 CSL | $1,914 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,184 |
| 20 | $4,900 |
| 30 | $2,944 |
| 40 | $2,888 |
| 50 | $2,758 |
| 60 | $2,732 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $71 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $59 |
| Advance Quote | $65 |
| Online Quote | $94 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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