Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,284 a year for full coverage insurance. Comprehensive costs on average $250 each year, collision costs $424, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $2,778. Teen drivers 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:

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Dodge Journey insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $748
• Using higher $1,000 deductibles will save around $152 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,284
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,580
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,778 or more
• Policy cost that insures a teen driver may cost $4,918 or more

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 130% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $450 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and 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 Find the Best Cheap Dodge Journey Insurance

Finding cheaper rates on Dodge Journey insurance requires being a low-risk driver, having a good credit score, being claim-free, and insuring your home and auto with the same company. Shop around at every other renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a quick review of the concepts that were raised in the charts and tables above.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,490 more each year to insure their Journey
• Teen drivers pay higher rates, possibly costing $410 each month if comprehensive and collision insurance is included
• It is possible to save as much as $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• It is possible to save as much as $150 per year simply by quoting online in advance