Dodge Journey Insurance Rates

U.S. average insurance rates for a Dodge Journey are $1,284 a year for full coverage insurance. Comprehensive costs an estimated $250, collision costs $424, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing around $2,778. Teens pay the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,284

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Journey trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

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

The ranges above illustrate why anyone shopping for car insurance should get quotes for a targeted area, instead of using averaged prices.

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

More Rate Information

The chart below illustrates estimated Dodge Journey insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $748
• Choosing higher $1,000 deductibles can save approximately $152 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,284
• Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,580
• Unlucky drivers with serious driving violations could pay up to $2,778 or more
• The price that insures a teen driver with full coverage can cost as much as $4,918 each year

View Chart as Image

Car insurance prices for a Dodge Journey are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $450 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, so rate quotes may be quite 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 Find Cheap Dodge Journey Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare rates at every other renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief summary of the concepts that were covered in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,490 more annually to insure a Dodge Journey
• Drivers under the age of 20 have the highest car insurance prices, as much as $410 a month if full coverage is purchased
• It is possible to save approximately $150 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $450 each year
• It is possible to save approximately $150 per year simply by shopping early and online