Dodge Journey Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 3, 2024
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The average auto insurance rates for a Dodge Journey are $1,284 annually with full coverage. Comprehensive costs around $250 each year, collision insurance costs $424, and liability insurance is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs around $2,778. Teens cost the most to insure at up to $4,918 a year.
Average premium for full coverage: $1,284
Policy rates for type of insurance:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Journey models.
Price Range Variability
For a 40-year-old driver, Dodge Journey insurance rates range from as cheap as $504 for the bare minimum liability coverage to a high rate of $2,778 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.
The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on averaged prices.
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.
Additional Rate Information
The chart below details average 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 $152 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,284
- Selecting low deductibles will cost $1,580
- Higher-risk drivers with serious driving violations could pay at least $2,778
- Policy cost with full coverage for a teen driver can be $4,918
Insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $450 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Dodge Journey insurance rates. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,730 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$122 | -9.5% |
| Alaska | $986 | -$298 | -23.2% |
| Arizona | $1,064 | -$220 | -17.1% |
| Arkansas | $1,284 | -$0 | 0.0% |
| California | $1,462 | $178 | 13.9% |
| Colorado | $1,226 | -$58 | -4.5% |
| Connecticut | $1,320 | $36 | 2.8% |
| Delaware | $1,452 | $168 | 13.1% |
| Florida | $1,606 | $322 | 25.1% |
| Georgia | $1,184 | -$100 | -7.8% |
| Hawaii | $920 | -$364 | -28.3% |
| Idaho | $868 | -$416 | -32.4% |
| Illinois | $956 | -$328 | -25.5% |
| Indiana | $966 | -$318 | -24.8% |
| Iowa | $864 | -$420 | -32.7% |
| Kansas | $1,220 | -$64 | -5.0% |
| Kentucky | $1,752 | $468 | 36.4% |
| Louisiana | $1,900 | $616 | 48.0% |
| Maine | $792 | -$492 | -38.3% |
| Maryland | $1,058 | -$226 | -17.6% |
| Massachusetts | $1,028 | -$256 | -19.9% |
| Michigan | $2,230 | $946 | 73.7% |
| Minnesota | $1,074 | -$210 | -16.4% |
| Mississippi | $1,536 | $252 | 19.6% |
| Missouri | $1,138 | -$146 | -11.4% |
| Montana | $1,378 | $94 | 7.3% |
| Nebraska | $1,012 | -$272 | -21.2% |
| Nevada | $1,540 | $256 | 19.9% |
| New Hampshire | $926 | -$358 | -27.9% |
| New Jersey | $1,434 | $150 | 11.7% |
| New Mexico | $1,136 | -$148 | -11.5% |
| New York | $1,350 | $66 | 5.1% |
| North Carolina | $740 | -$544 | -42.4% |
| North Dakota | $1,052 | -$232 | -18.1% |
| Ohio | $886 | -$398 | -31.0% |
| Oklahoma | $1,318 | $34 | 2.6% |
| Oregon | $1,174 | -$110 | -8.6% |
| Pennsylvania | $1,224 | -$60 | -4.7% |
| Rhode Island | $1,712 | $428 | 33.3% |
| South Carolina | $1,162 | -$122 | -9.5% |
| South Dakota | $1,082 | -$202 | -15.7% |
| Tennessee | $1,124 | -$160 | -12.5% |
| Texas | $1,548 | $264 | 20.6% |
| Utah | $950 | -$334 | -26.0% |
| Vermont | $878 | -$406 | -31.6% |
| Virginia | $768 | -$516 | -40.2% |
| Washington | $992 | -$292 | -22.7% |
| West Virginia | $1,176 | -$108 | -8.4% |
| Wisconsin | $888 | -$396 | -30.8% |
| Wyoming | $1,144 | -$140 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,178 | $98 |
| Dodge Journey SXT 2WD | $1,212 | $101 |
| Dodge Journey R/T 2WD | $1,284 | $107 |
| Dodge Journey SXT Crew 2WD | $1,284 | $107 |
| Dodge Journey SXT AWD | $1,284 | $107 |
| Dodge Journey R/T AWD | $1,320 | $110 |
| Dodge Journey SXT Crew AWD | $1,320 | $110 |
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 | $250 | $424 | $452 | $1,284 |
| 2019 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2018 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2017 Dodge Journey | $214 | $330 | $460 | $1,162 |
| 2014 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2013 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2012 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2011 Dodge Journey | $160 | $202 | $474 | $994 |
| 2010 Dodge Journey | $154 | $182 | $468 | $962 |
| 2009 Dodge Journey | $152 | $178 | $460 | $948 |
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
Finding cheaper rates on Dodge Journey insurance consists of being a good driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a quick rundown of the primary concepts that were illustrated above.
- You may be able to save up to $150 per year just by quoting online in advance
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,490 more every year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Drivers age 16 to 20 pay higher rates, as much as $410 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,918 |
| 20 | $2,956 |
| 30 | $1,328 |
| 40 | $1,284 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,580 |
| $250 | $1,442 |
| $500 | $1,284 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,284 |
| 50/100 | $1,410 |
| 100/300 | $1,523 |
| 250/500 | $1,817 |
| 100 CSL | $1,456 |
| 300 CSL | $1,704 |
| 500 CSL | $1,885 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,992 |
| 20 | $4,712 |
| 30 | $2,824 |
| 40 | $2,778 |
| 50 | $2,652 |
| 60 | $2,628 |
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 | $68 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $536 |
Discounts are estimated and may not be available from every company or in every state.
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