Dodge Journey Insurance Rates

The average auto insurance rates for a Dodge Journey are $1,284 annually including full coverage. Comprehensive insurance costs approximately $250, collision costs $424, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing $2,778 or more. 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 by type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Journey models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why everyone should get quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

Additional Rate Analysis

The chart below breaks down estimated Dodge Journey insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $748
• Choosing higher $1,000 deductibles can save $152 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,284
• Buying pricier low deductibles for comp and collision coverage costs an additional $296 every year
• Unlucky drivers with multiple tickets or accidents could pay around $2,778 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $4,918 each year

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

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $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 likely paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Dodge Journey insurance for high-risk drivers ranges as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $450 every year, whereas buying more liability protection will push rates upward. Changing 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 plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,830 on average in Louisiana, New York, and Michigan.

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Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer 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 Affordable Dodge Journey Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief review of the information covered above.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $410 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,490 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay around $500 per year to raise limits from a 30/60 limit to higher 250/500 limits