Dodge Journey Insurance Rates

The average insurance prices for a Dodge Journey are $1,284 every 12 months including full coverage. Comprehensive insurance costs on average $250 a year, collision costs $424, and liability coverage costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing $2,778 or more. 16-year-old 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:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how your location can change car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and their own driving history, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $748
• Drivers who choose higher $1,000 deductibles will pay around $1,132 every year
• The average price for a good driver age 40 with $500 deductibles is $1,284
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $296 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,778 or more
• Policy cost to insure a teenage driver may cost $4,918 a year

View Chart as Image

Car insurance rates for a Dodge Journey also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Journey.

Opting for high physical damage deductibles could save up to $450 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by 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 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged 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 likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company utilizes a different rate formula, so rate quotes 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 Affordable Dodge Journey Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around once a year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a brief review of the data that was illustrated above.

• You may be able to save as much as $150 per year simply by quoting early and online
• Consumers who require higher levels of liability will pay around $500 per year to go from a 30/60 limit to a 250/500 level
• Teenage drivers are expensive to insure, with premiums being up to $410 each month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,490 more each year for auto insurance