Dodge Journey Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 3, 2024
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U.S. average insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive costs on average $250 a year, collision costs $424, and liability is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $2,778. Teen drivers pay the highest rates at $4,918 a year or more.
Average premium for full coverage: $1,284
Price estimates by individual coverage:
Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Journey trim levels.
Price Range from Low to High
For an average driver, Dodge Journey insurance prices go from as low as $504 for just liability insurance to a high of $2,778 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates the effect of geographic area on car insurance rates.
The ranges above highlight why it is important to compare rates quotes based on a specific location and risk profile, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Dodge Journey insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $748
- Raising to $1,000 deductibles will save around $1,132 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,284
- Choosing low $100 deductibles will increase the cost to $1,580
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,778 or more
- The price for full coverage for a teen driver may cost $4,918
Auto insurance prices for a Dodge Journey are also quite variable based on your driving record, the model of your Journey, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age
The state you live in also has a big influence on Dodge Journey insurance prices. A middle-age driver might find prices as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,830 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$122 | -9.5% |
| Alaska | $986 | -$298 | -23.2% |
| Arizona | $1,064 | -$220 | -17.1% |
| Arkansas | $1,284 | -$0 | 0.0% |
| California | $1,462 | $178 | 13.9% |
| Colorado | $1,226 | -$58 | -4.5% |
| Connecticut | $1,320 | $36 | 2.8% |
| Delaware | $1,452 | $168 | 13.1% |
| Florida | $1,606 | $322 | 25.1% |
| Georgia | $1,184 | -$100 | -7.8% |
| Hawaii | $920 | -$364 | -28.3% |
| Idaho | $868 | -$416 | -32.4% |
| Illinois | $956 | -$328 | -25.5% |
| Indiana | $966 | -$318 | -24.8% |
| Iowa | $864 | -$420 | -32.7% |
| Kansas | $1,220 | -$64 | -5.0% |
| Kentucky | $1,752 | $468 | 36.4% |
| Louisiana | $1,900 | $616 | 48.0% |
| Maine | $792 | -$492 | -38.3% |
| Maryland | $1,058 | -$226 | -17.6% |
| Massachusetts | $1,028 | -$256 | -19.9% |
| Michigan | $2,230 | $946 | 73.7% |
| Minnesota | $1,074 | -$210 | -16.4% |
| Mississippi | $1,536 | $252 | 19.6% |
| Missouri | $1,138 | -$146 | -11.4% |
| Montana | $1,378 | $94 | 7.3% |
| Nebraska | $1,012 | -$272 | -21.2% |
| Nevada | $1,540 | $256 | 19.9% |
| New Hampshire | $926 | -$358 | -27.9% |
| New Jersey | $1,434 | $150 | 11.7% |
| New Mexico | $1,136 | -$148 | -11.5% |
| New York | $1,350 | $66 | 5.1% |
| North Carolina | $740 | -$544 | -42.4% |
| North Dakota | $1,052 | -$232 | -18.1% |
| Ohio | $886 | -$398 | -31.0% |
| Oklahoma | $1,318 | $34 | 2.6% |
| Oregon | $1,174 | -$110 | -8.6% |
| Pennsylvania | $1,224 | -$60 | -4.7% |
| Rhode Island | $1,712 | $428 | 33.3% |
| South Carolina | $1,162 | -$122 | -9.5% |
| South Dakota | $1,082 | -$202 | -15.7% |
| Tennessee | $1,124 | -$160 | -12.5% |
| Texas | $1,548 | $264 | 20.6% |
| Utah | $950 | -$334 | -26.0% |
| Vermont | $878 | -$406 | -31.6% |
| Virginia | $768 | -$516 | -40.2% |
| Washington | $992 | -$292 | -22.7% |
| West Virginia | $1,176 | -$108 | -8.4% |
| Wisconsin | $888 | -$396 | -30.8% |
| Wyoming | $1,144 | -$140 | -10.9% |
Choosing high deductibles can reduce prices by up to $450 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 130% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,178 | $98 |
| Dodge Journey SXT 2WD | $1,212 | $101 |
| Dodge Journey R/T 2WD | $1,284 | $107 |
| Dodge Journey SXT Crew 2WD | $1,284 | $107 |
| Dodge Journey SXT AWD | $1,284 | $107 |
| Dodge Journey R/T AWD | $1,320 | $110 |
| Dodge Journey SXT Crew AWD | $1,320 | $110 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2019 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2018 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2017 Dodge Journey | $214 | $330 | $460 | $1,162 |
| 2014 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2013 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2012 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2011 Dodge Journey | $160 | $202 | $474 | $994 |
| 2010 Dodge Journey | $154 | $182 | $468 | $962 |
| 2009 Dodge Journey | $152 | $178 | $460 | $948 |
Rates are averaged for all Dodge Journey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Dodge Journey Insurance
Getting lower rates on car insurance consists of being a safe and courteous driver, having good credit, being claim-free, and taking advantage of discounts. Take the time to compare rates at least once a year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a summary of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $150 per year simply by quoting early and online
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,490 more each year for auto insurance
- Increasing physical damage deductibles can save around $450 each year
- Teenage drivers are charged the highest prices, possibly costing $410 a month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,918 |
| 20 | $2,956 |
| 30 | $1,328 |
| 40 | $1,284 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,580 |
| $250 | $1,442 |
| $500 | $1,284 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,284 |
| 50/100 | $1,410 |
| 100/300 | $1,523 |
| 250/500 | $1,817 |
| 100 CSL | $1,456 |
| 300 CSL | $1,704 |
| 500 CSL | $1,885 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,992 |
| 20 | $4,712 |
| 30 | $2,824 |
| 40 | $2,778 |
| 50 | $2,652 |
| 60 | $2,628 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $536 |
Discounts are estimated and may not be available from every company or in every state.
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