Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,284 a year for full coverage. Comprehensive costs around $250, collision costs $424, and liability is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers 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 for type of insurance:

Includes $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above show why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below shows estimated Dodge Journey insurance rates for additional coverage choices and driver risks.

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save about $152 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,284
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,580
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,778 or more
• Policy cost that insures a 16-year-old driver with full coverage can be $4,918 each year

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $450 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, 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 Find the Cheapest Dodge Journey Insurance

Finding cheaper rates on insurance for a Dodge Journey takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices at least every other year by requesting rates from direct carriers, and also from several local insurance agents.

The following is a recap of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk that have major violations or accidents pay on average $1,490 more every year for Journey insurance
• Drivers can save up to $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Insureds who may need higher liability limits will pay an extra $500 each year to raise limits from a 30/60 limit to the 250/500 level