Dodge Journey Insurance Rates

Estimated insurance prices for a Dodge Journey are $1,284 every 12 months for full coverage insurance. Comprehensive insurance costs around $250 a year, collision costs $424, and liability coverage costs around $452. A policy with only liability insurance costs as low as $504 a year, with a high-risk policy costing $2,778 or more. Teens pay the most at $4,918 a year or more.

Average premium for full coverage: $1,284

Premium estimates for type of coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Journey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $748
• Using higher $1,000 deductibles will save about $1,132 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,284
• Selecting low $100 deductibles for physical damage coverage costs an extra $296 each year
• Higher-risk drivers with serious driving violations could pay at least $2,778 or more
• An auto insurance policy to insure a teenage driver can be $4,918 or more

View Chart as Image

Car insurance prices for a Dodge Journey also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $450 a year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to get quotes and see how they stack up. Each insurance company calculates prices differently, so rate quotes will be substantially different.

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 Affordable Dodge Journey Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief review of the concepts that were covered in the above illustrations.

• Drivers with DUI or reckless driving convictions may pay on average $1,490 more every year to insure a Dodge Journey
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $410 per month if the policy includes full coverage
• It is possible to save up to $150 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $450 each year
• It is possible to save up to $150 per year simply by quoting early and online