Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,284 a year for full coverage. Comprehensive costs approximately $250 a year, collision insurance costs $424, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs around $2,778. Teens cost the most to insure at up to $4,918 a year.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to get quotes using their specific location and risk profile, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below shows average Dodge Journey insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $748
• Choosing higher $1,000 deductibles can save $1,132 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,284
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,580
• Unlucky drivers with serious driving violations could pay around $2,778
• Policy cost for full coverage for a teen driver can cost $4,918 each year

View Chart as Image

Car insurance rates for a Dodge Journey also range considerably based on your risk profile, the trim level of your Journey, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $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 Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $450 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

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 Right Dodge Journey Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a quick rundown of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,490 more per year for car insurance
• Drivers can save around $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $450 each year
• Policyholders who purchase higher liability limits will pay approximately $500 each year to raise limits from a 30/60 limit to 250/500 limits