Dodge Journey Insurance Rates

The average auto insurance rates for a Dodge Journey are $1,284 annually including full coverage. Comprehensive insurance costs an estimated $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. Teens 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:

Price estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $748
• Choosing higher $1,000 deductibles can save approximately $152 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,284
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $296 annually
• Higher-risk drivers with serious driving violations could pay up to $2,778 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $4,918 each year

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher 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 likely paying $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $450 annually, while increasing your policy's liability limits will increase premiums. 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 have to pay at least $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer calculates rates differently, 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 Cheaper Dodge Journey Insurance

Finding cheaper rates on insurance for a Dodge Journey takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a condensed summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $150 per year simply by shopping early and online
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,490 more annually for Journey insurance
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Teens are the costliest to insure, with premiums being up to $410 each month if full coverage is included