Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive insurance costs an estimated $250 each year, collision costs $424, and liability coverage costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing $2,778 or more. Teenage 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:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how where you live affects insurance prices.

The examples above highlight why all drivers should compare rates for a targeted area, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $748
• Drivers who choose higher $1,000 deductibles will pay approximately $152 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,284
• Using low deductibles for comprehensive and collision insurance will cost an additional $296 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,778 or more
• Policy cost that insures a teenage driver can cost as much as $4,918 a year

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $450 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied.

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 Low Cost Dodge Journey Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices once a year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a review of the data that was touched on in the above illustrations.

• You may be able to save approximately $150 per year simply by quoting online in advance
• Consumers who want more liability coverage will pay an extra $500 per year to go from a 30/60 limit to the 250/500 level
• Teen drivers are expensive to insure, with premiums being up to $410 each month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations could be charged and average of $1,490 more annually to insure their Journey