Dodge Journey Insurance Rates

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

Average premium for full coverage: $1,284

Price estimates by individual coverage:

Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different Journey trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $748
• Raising to $1,000 deductibles will save $152 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,284
• Using more expensive low deductibles costs an additional $296 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,778 or more
• The price with full coverage for a teen driver with full coverage can cost $4,918

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Insurance prices for a Dodge Journey are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $450 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Dodge Journey insurance rates. A middle-age driver might find prices as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

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Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices may be quite 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 Cheaper Dodge Journey Insurance

Getting lower rates on Dodge Journey insurance consists of being a low-risk driver, having a good credit history, being claim-free, and maximizing policy discounts. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The items below are a condensed summary of the data that was covered in the above illustrations.

• You may be able to save around $150 per year simply by shopping early and online
• Drivers who purchase more liability coverage will pay an extra $500 per year to raise from a low limit to higher 250/500 limits
• Teen drivers are expensive to insure, possibly costing $410 a month including comprehensive and collision insurance
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,490 more per year to insure their Journey