Dodge Journey Insurance Rates
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Michelle Robbins
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UPDATED: Apr 3, 2024
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The average insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive insurance costs on average $250, collision costs $424, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing $2,778 or more. Teen 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:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Journey trim levels.
Price Range Variability
For a driver in their 40's, Dodge Journey insurance rates go from the low end price of $504 for a discount liability-only rate to a much higher rate of $2,778 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes based on a specific location, rather than relying on price 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.
Rates by State, City, and Model
The chart below breaks down estimated Dodge Journey insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $748
- Choosing higher $1,000 deductibles can save around $152 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,284
- Choosing more expensive low deductibles for comp and collision coverage will cost an additional $296 a year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,778 or more
- Policy cost that insures a teen driver with full coverage may cost $4,918 each year
Car insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 130% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,830 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can save as much as $450 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be varied.
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 Find the Right Dodge Journey Insurance
Finding cheaper rates on Dodge Journey insurance takes avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around every other policy renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The list below is a quick rundown of the ideas that were covered in the charts and tables above.
- Teenagers are expensive to insure, with premiums being up to $410 each month if full coverage is purchased
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,490 more each year for car insurance
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- You may be able to save as much as $150 per year simply by shopping early and online
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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