Dodge Journey Insurance Rates

The average auto insurance rates for a Dodge Journey are $1,284 annually for full coverage insurance. Comprehensive costs an estimated $250 each year, collision costs $424, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing around $2,778. 16-year-old 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:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have fewer physical damage claims than congested cities.

The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $748
• Using higher $1,000 deductibles will save approximately $152 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,284
• Buying low deductibles for physical damage coverage will cost $1,580
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,778 or more
• Policy cost with full coverage for a teenage driver can cost as much as $4,918 or more

View Chart as Image

Auto insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $450 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state 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 at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates will be varied between companies.

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 Buy the Best Cheap Dodge Journey Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick review of the material that was covered in the charts and tables above.

• Consumers who want additional liability coverage will pay around $500 annually to increase from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $410 each month if full coverage is included
• Drivers with a DUI or reckless driving violation may pay on average $1,490 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $450 each year