Dodge Journey Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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Estimated auto insurance rates for a Dodge Journey are $1,284 annually for full coverage insurance. Comprehensive insurance costs approximately $250, collision insurance costs $424, and liability insurance costs around $452. A policy with only liability insurance costs as low as $504 a year, and a high-risk policy costs $2,778 or more. Teens pay the most at up to $4,918 a year.
Average premium for full coverage: $1,284
Premium estimates by type of coverage:
Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Journey models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Dodge Journey range from as cheap as $504 for your basic liability-only policy to the much higher price of $2,778 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.
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 Information
The chart below illustrates average Dodge Journey insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $748
- Using higher $1,000 deductibles will save $152 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,284
- Selecting pricier low deductibles for physical damage coverage costs an additional $296 a year
- Drivers with serious driving violations could pay around $2,778
- An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,918 or more
Car insurance prices for a Dodge Journey also have a wide range based on the model of your Journey, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Dodge Journey insurance for high-risk drivers can be anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $450 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.
| 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% |
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 Buy the Best Dodge Journey Insurance
Finding better rates on Dodge Journey insurance requires being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a brief recap of the primary concepts that were covered in the above illustrations.
- It is possible to save around $150 per year just by quoting online well ahead of the renewal date
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,490 more per year to insure their Journey
- Increasing policy deductibles could save up to $450 each year
- Teen drivers pay the highest auto insurance prices, with premiums being up to $410 per month if comprehensive and collision insurance is included
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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