Dodge Journey Insurance Rates

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

Average premium for full coverage: $1,284

Policy rates for type of insurance:

Prices include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below shows estimated Dodge Journey insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $748
• Choosing higher $1,000 deductibles can save about $152 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,284
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $296 a year
• High-risk insureds with serious driving violations could pay at least $2,778 or more
• Policy cost for full coverage for a teen driver with full coverage can be $4,918 each year

View Chart as Image

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

An older driver with a clean driving record and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $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 $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $450 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

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 the Right Dodge Journey Insurance

Finding cheaper rates on Dodge Journey insurance takes being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a quick rundown of the material that was covered in the charts and tables above.

• Drivers who may need higher levels of liability will pay approximately $500 each year to raise limits from a 30/60 limit to 250/500 limits
• Teenage drivers pay higher rates, costing up to $410 each month for full coverage
• High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,490 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save around $450 each year