Dodge Journey Insurance Rates

Average insurance prices for a Dodge Journey are $1,284 every 12 months for full coverage insurance. Comprehensive costs an estimated $250 a year, collision insurance costs $424, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $2,778. Teenage drivers receive the highest rates at up to $4,918 a year.

Average premium for full coverage: $1,284

Rate estimates broken down by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Journey trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how where you live affects insurance prices.

These examples illustrate why it is important to compare prices for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates average Dodge Journey insurance rates for other coverage scenarios.

• The best discount rate is $748
• Using higher $1,000 deductibles will save approximately $1,132 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,284
• Using low $100 deductibles for physical damage coverage increases the price to $1,580
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,778
• The cost to insure a teenage driver can cost as much as $4,918 or more

View Chart as Image

Car insurance rates for a Dodge Journey can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $450 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $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 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you live 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

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 Cheap Dodge Journey Insurance

Saving money on auto insurance requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a brief summary of the information touched on in the above illustrations.

• It is possible to save approximately $150 per year just by quoting early and online
• Teenagers have the highest car insurance rates, costing up to $410 per month if the policy includes full coverage
• Increasing deductibles could save as much as $450 each year
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,490 more annually for car insurance
• Consumers who want higher liability limits will pay an extra $500 annually to increase from a minimum limit to a 250/500 level