Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,318 a year with full coverage. Comprehensive costs around $260, collision costs $458, and liability coverage is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,854. Teenage drivers pay the most at $5,022 a year or more.

Average premium for full coverage: $1,318

Premium estimates for type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities.

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

These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $764
• Raising to $1,000 deductibles will save about $164 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,318
• Using pricier low deductibles will increase the cost to $1,634
• Unlucky drivers who are prone to accidents and violations could pay at least $2,854 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can be $5,022

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Insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Journey insurance rates. A middle-age driver might find prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,780 on average in Florida, Michigan, and New York.

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Using high physical damage deductibles can reduce prices by up to $480 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,600 to $2,200 extra annually, depending on your age. Dodge Journey insurance for high-risk drivers is expensive and can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different 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 Cheap Dodge Journey Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief summary of the information covered in the above illustrations.

• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Teenagers pay higher prices, possibly costing $419 per month for full coverage
• Increasing policy deductibles can save around $475 each year
• Drivers that tend to have accidents or serious violations pay an average of $1,540 more every year for car insurance
• Consumers who may need higher liability limits will pay an extra $490 every year to raise from 30/60 bodily injury limits to 250/500 limits