Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,284 a year for full coverage. Comprehensive costs an estimated $250, collision costs $424, and liability coverage costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing around $2,778. Teen drivers cost the most to insure at $4,918 a year or more.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Journey models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas.

The example below illustrates how geographic area affects insurance prices.

The examples above show why everyone should compare rates for a targeted area, rather than using price averages.

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

Additional Rate Details

The chart below shows estimated Dodge Journey insurance rates for other coverage scenarios.

• The lowest rate with discounts is $748
• Drivers who choose higher $1,000 deductibles will pay approximately $152 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,284
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,580
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,778 or more
• Policy cost that insures a teenage driver for full coverage can cost as much as $4,918 a year

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the model of your Journey, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,100 additional every year, depending on your age. Dodge Journey insurance for high-risk drivers can cost around 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $450 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, and rates will be varied.

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 Low Cost Dodge Journey Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Shop around at every policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a review of the data presented in the illustrations above.

• Consumers who want increased levels of liability coverage will pay about $500 each year to go from a 30/60 limit to the 250/500 level
• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Drivers age 20 and younger are expensive to insure, costing up to $410 each month if comprehensive and collision insurance is included