Dodge Journey Insurance Rates

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UPDATED: Apr 3, 2024

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Dodge Journey insurance

Average auto insurance rates for a Dodge Journey are $1,318 annually for full coverage. Comprehensive insurance costs on average $260 a year, collision insurance costs $458, and liability insurance costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs $2,854 or more. 16-year-old drivers receive the highest rates at up to $5,022 a year.

Average premium for full coverage: $1,318

Rate estimates by individual coverage type:

Comprehensive $260
Collision $458
Liability $442

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and Journey trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $496 for just liability insurance to a high of $2,854 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $1,318
High Risk $2,854

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

Rural Areas $989
Small Cities $1,384
Large Cities $1,779

These examples show why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on 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.

More Rate Details

The chart below shows average Dodge Journey insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $764
  • Using higher $1,000 deductibles will save around $1,154 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,318
  • Buying low $100 deductibles for physical damage coverage costs an additional $316 a year
  • Drivers with multiple tickets or accidents could pay upwards of $2,854
  • The cost with full coverage for a teen driver may cost $5,022 or more

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance prices range from $764 to $5,022 for full coverage

Insurance rates for a Dodge Journey can also vary considerably based on the trim level of your Journey, your driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $480 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Idaho, Maine, and Iowa, or at least $1,880 on average in Michigan, Louisiana, and New York.

Dodge Journey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,192 -$126 -9.6%
Alaska $1,010 -$308 -23.4%
Arizona $1,096 -$222 -16.8%
Arkansas $1,318 -$0 0.0%
California $1,502 $184 14.0%
Colorado $1,258 -$60 -4.6%
Connecticut $1,354 $36 2.7%
Delaware $1,492 $174 13.2%
Florida $1,648 $330 25.0%
Georgia $1,216 -$102 -7.7%
Hawaii $946 -$372 -28.2%
Idaho $892 -$426 -32.3%
Illinois $982 -$336 -25.5%
Indiana $992 -$326 -24.7%
Iowa $888 -$430 -32.6%
Kansas $1,252 -$66 -5.0%
Kentucky $1,798 $480 36.4%
Louisiana $1,952 $634 48.1%
Maine $812 -$506 -38.4%
Maryland $1,088 -$230 -17.5%
Massachusetts $1,056 -$262 -19.9%
Michigan $2,288 $970 73.6%
Minnesota $1,102 -$216 -16.4%
Mississippi $1,578 $260 19.7%
Missouri $1,168 -$150 -11.4%
Montana $1,416 $98 7.4%
Nebraska $1,038 -$280 -21.2%
Nevada $1,578 $260 19.7%
New Hampshire $948 -$370 -28.1%
New Jersey $1,474 $156 11.8%
New Mexico $1,168 -$150 -11.4%
New York $1,388 $70 5.3%
North Carolina $760 -$558 -42.3%
North Dakota $1,078 -$240 -18.2%
Ohio $910 -$408 -31.0%
Oklahoma $1,354 $36 2.7%
Oregon $1,208 -$110 -8.3%
Pennsylvania $1,258 -$60 -4.6%
Rhode Island $1,758 $440 33.4%
South Carolina $1,192 -$126 -9.6%
South Dakota $1,112 -$206 -15.6%
Tennessee $1,154 -$164 -12.4%
Texas $1,588 $270 20.5%
Utah $976 -$342 -25.9%
Vermont $902 -$416 -31.6%
Virginia $790 -$528 -40.1%
Washington $1,020 -$298 -22.6%
West Virginia $1,208 -$110 -8.3%
Wisconsin $912 -$406 -30.8%
Wyoming $1,174 -$144 -10.9%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Dodge Journey Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Journey SE 2WD $1,204 $100
Dodge Journey SXT 2WD $1,242 $104
Dodge Journey R/T 2WD $1,318 $110
Dodge Journey SXT Crew 2WD $1,318 $110
Dodge Journey SXT AWD $1,318 $110
Dodge Journey R/T AWD $1,354 $113
Dodge Journey SXT Crew AWD $1,354 $113

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.

Dodge Journey Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Dodge Journey $260 $458 $442 $1,318
2019 Dodge Journey $250 $424 $452 $1,284
2018 Dodge Journey $240 $400 $456 $1,254
2017 Dodge Journey $230 $358 $460 $1,206
2014 Dodge Journey $202 $288 $474 $1,122
2013 Dodge Journey $186 $268 $474 $1,086
2012 Dodge Journey $182 $244 $478 $1,062
2011 Dodge Journey $170 $222 $474 $1,024
2010 Dodge Journey $160 $202 $474 $994
2009 Dodge Journey $154 $182 $468 $962

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 Buy the Right Dodge Journey Insurance

Saving money on Dodge Journey insurance requires avoiding accidents and violations, having a good credit history, eliminating unneeded coverage, and determing if full coverage is necessary. Invest the time to shop around at least once a year by getting price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The list below is a quick rundown of the primary concepts that were illustrated above.

  • Drivers can save as much as $160 per year just by quoting early and online
  • High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,540 more each year for car insurance
  • Increasing deductibles could save up to $475 each year
  • Teenagers pay the highest rates, costing as high as $419 per month including comprehensive and collision insurance

Rates by Driver Age

Dodge Journey Insurance Rates by Driver Age
Driver Age Premium
16 $5,022
20 $3,040
30 $1,366
40 $1,318
50 $1,204
60 $1,180

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,634
$250 $1,486
$500 $1,318
$1,000 $1,154

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,318
50/100 $1,442
100/300 $1,553
250/500 $1,840
100 CSL $1,487
300 CSL $1,730
500 CSL $1,907

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey Insurance Rates for High Risk Drivers
Age Premium
16 $7,144
20 $4,846
30 $2,906
40 $2,854
50 $2,726
60 $2,700

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.

SR-22 Surcharge $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $94
5-yr Claim Free $85
Paid in Full/EFT $58
Advance Quote $64
Online Quote $93
Total Discounts $554
Rate after discounts $764

Discounts are estimated and may not be available from every company or in every state.

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