Dodge Journey Insurance Rates

The average insurance prices for a Dodge Journey are $1,284 every 12 months for full coverage insurance. Comprehensive insurance costs on average $250, collision costs $424, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing $2,778 or more. Teenage drivers cost the most to insure at $4,918 a year or more.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

Includes $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Dodge Journey insurance rates for different risk profiles and scenarios.

• The best discount rate is $748
• Using higher $1,000 deductibles will save around $152 each year
• The average price for a good driver age 40 with $500 deductibles is $1,284
• Using more expensive low deductibles for physical damage coverage costs an extra $296 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,778 or more
• Policy cost to insure a teen driver with full coverage may cost $4,918 or more

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Journey.

Using high physical damage deductibles could cut rates by as much as $450 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, 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 Shop for the Cheapest Dodge Journey Insurance

Finding cheaper rates on Dodge Journey insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by requesting rates from direct insurance companies, and also from several local insurance agents.

The points below are a recap of the primary concepts that were raised in the charts and tables above.

• It is possible to save as much as $150 per year simply by shopping early and online
• High-risk drivers that have major violations or accidents pay on average $1,490 more each year to insure a Dodge Journey
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Drivers under the age of 20 pay higher rates, possibly costing $410 each month if full coverage is included