Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive costs an estimated $250 a year, collision costs $424, and liability insurance costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing around $2,778. Teenage drivers cost the most to insure at $4,918 a year or more.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $748
• Using higher $1,000 deductibles will save approximately $1,132 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,284
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,580
• Drivers who are prone to accidents and violations could pay up to $2,778 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,918 or more

View Chart as Image

Car insurance rates for a Dodge Journey also range considerably based on your risk profile, the model of your Journey, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $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 $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $450 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 Low Cost Dodge Journey Insurance

Finding cheaper rates on Dodge Journey insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a review of the information presented in the illustrations above.

• You may be able to save approximately $150 per year simply by quoting early and online
• Teenage drivers have the highest car insurance rates, with premiums being up to $410 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $450 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,490 more annually for auto insurance
• Drivers who want higher levels of liability will pay an extra $500 per year to increase from a 30/60 limit to 250/500 limits