Dodge Journey Insurance Rates

The average insurance prices for a Dodge Journey are $1,284 every 12 months for full coverage insurance. Comprehensive insurance costs on average $250 each year, collision costs $424, and liability coverage 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 by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location impacts car insurance rates.

The examples above illustrate why all drivers should get quotes based on a specific location and their own driving history, rather than 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 different risk profiles and scenarios.

• The cheapest rate after discounts is $748
• Choosing higher $1,000 deductibles can save around $152 each year
• The average price for a good driver age 40 with $500 deductibles is $1,284
• Selecting low deductibles for comp and collision coverage costs an extra $296 each year
• Drivers with serious driving violations could pay upwards of $2,778 or more
• Policy cost to insure a teenage driver may cost $4,918 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $450 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 130% more than the average policy. View High Risk Driver Rates

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 $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

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer calculates rates differently, so the rates will be varied.

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 Cheaper Dodge Journey Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having good credit, being claim-free, and bundling your home and auto policies. Spend time shopping around at least every other year by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following items are a condensed summary of the car insurance concepts touched on above.

• Drivers with multiple at-fault accidents pay on average $1,490 more each year than a driver with a clean driving record
• It is possible to save as much as $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Consumers who require additional liability coverage will pay approximately $500 annually to raise limits from a 30/60 limit to a 250/500 level