Dodge Journey Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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Estimated insurance rates for a Dodge Journey are $1,318 a year including full coverage. Comprehensive insurance costs approximately $260 each year, collision costs $458, and liability is estimated at $442. A policy with only liability insurance costs approximately $496 a year, with a high-risk policy costing $2,854 or more. Teenage drivers pay the most at $5,022 a year or more.
Average premium for full coverage: $1,318
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Journey models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Dodge Journey go from the low end price of $496 for just the minimum liability insurance to a high rate of $2,854 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
These rate differences highlight why all drivers should get quotes using their specific location, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below breaks down estimated Dodge Journey insurance rates for additional coverage and risk scenarios.
- The best discount rate is $764
- Choosing higher $1,000 deductibles can save $164 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,318
- Using low deductibles for comp and collision coverage will cost an additional $316 every year
- Unlucky drivers who are prone to accidents and violations could pay around $2,854 or more
- An auto insurance policy that insures a teen driver can cost $5,022 each year
Car insurance prices for a Dodge Journey also have a wide range based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 136% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,880 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,192 | -$126 | -9.6% |
Alaska | $1,010 | -$308 | -23.4% |
Arizona | $1,096 | -$222 | -16.8% |
Arkansas | $1,318 | -$0 | 0.0% |
California | $1,502 | $184 | 14.0% |
Colorado | $1,258 | -$60 | -4.6% |
Connecticut | $1,354 | $36 | 2.7% |
Delaware | $1,492 | $174 | 13.2% |
Florida | $1,648 | $330 | 25.0% |
Georgia | $1,216 | -$102 | -7.7% |
Hawaii | $946 | -$372 | -28.2% |
Idaho | $892 | -$426 | -32.3% |
Illinois | $982 | -$336 | -25.5% |
Indiana | $992 | -$326 | -24.7% |
Iowa | $888 | -$430 | -32.6% |
Kansas | $1,252 | -$66 | -5.0% |
Kentucky | $1,798 | $480 | 36.4% |
Louisiana | $1,952 | $634 | 48.1% |
Maine | $812 | -$506 | -38.4% |
Maryland | $1,088 | -$230 | -17.5% |
Massachusetts | $1,056 | -$262 | -19.9% |
Michigan | $2,288 | $970 | 73.6% |
Minnesota | $1,102 | -$216 | -16.4% |
Mississippi | $1,578 | $260 | 19.7% |
Missouri | $1,168 | -$150 | -11.4% |
Montana | $1,416 | $98 | 7.4% |
Nebraska | $1,038 | -$280 | -21.2% |
Nevada | $1,578 | $260 | 19.7% |
New Hampshire | $948 | -$370 | -28.1% |
New Jersey | $1,474 | $156 | 11.8% |
New Mexico | $1,168 | -$150 | -11.4% |
New York | $1,388 | $70 | 5.3% |
North Carolina | $760 | -$558 | -42.3% |
North Dakota | $1,078 | -$240 | -18.2% |
Ohio | $910 | -$408 | -31.0% |
Oklahoma | $1,354 | $36 | 2.7% |
Oregon | $1,208 | -$110 | -8.3% |
Pennsylvania | $1,258 | -$60 | -4.6% |
Rhode Island | $1,758 | $440 | 33.4% |
South Carolina | $1,192 | -$126 | -9.6% |
South Dakota | $1,112 | -$206 | -15.6% |
Tennessee | $1,154 | -$164 | -12.4% |
Texas | $1,588 | $270 | 20.5% |
Utah | $976 | -$342 | -25.9% |
Vermont | $902 | -$416 | -31.6% |
Virginia | $790 | -$528 | -40.1% |
Washington | $1,020 | -$298 | -22.6% |
West Virginia | $1,208 | -$110 | -8.3% |
Wisconsin | $912 | -$406 | -30.8% |
Wyoming | $1,174 | -$144 | -10.9% |
Using high physical damage deductibles can save as much as $480 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Dodge Journey SE 2WD | $1,204 | $100 |
Dodge Journey SXT 2WD | $1,242 | $104 |
Dodge Journey R/T 2WD | $1,318 | $110 |
Dodge Journey SXT Crew 2WD | $1,318 | $110 |
Dodge Journey SXT AWD | $1,318 | $110 |
Dodge Journey R/T AWD | $1,354 | $113 |
Dodge Journey SXT Crew AWD | $1,354 | $113 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Dodge Journey | $260 | $458 | $442 | $1,318 |
2019 Dodge Journey | $250 | $424 | $452 | $1,284 |
2018 Dodge Journey | $240 | $400 | $456 | $1,254 |
2017 Dodge Journey | $230 | $358 | $460 | $1,206 |
2014 Dodge Journey | $202 | $288 | $474 | $1,122 |
2013 Dodge Journey | $186 | $268 | $474 | $1,086 |
2012 Dodge Journey | $182 | $244 | $478 | $1,062 |
2011 Dodge Journey | $170 | $222 | $474 | $1,024 |
2010 Dodge Journey | $160 | $202 | $474 | $994 |
2009 Dodge Journey | $154 | $182 | $468 | $962 |
Rates are averaged for all Dodge Journey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Dodge Journey Insurance
Finding better rates on car insurance takes avoiding accidents and violations, having a positive credit history, refrain from filing small claims, and avoiding coverage lapses. Compare prices every other policy renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The list below is a brief recap of the ideas that were covered in the above illustrations.
- Teenagers pay the highest auto insurance prices, with the cost nearing $419 per month if full coverage is purchased
- Higher risk drivers who tend to receive serious violations will likely pay on average $1,540 more per year for car insurance
- Increasing policy deductibles can save approximately $475 each year
- You may be able to save around $160 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,022 |
20 | $3,040 |
30 | $1,366 |
40 | $1,318 |
50 | $1,204 |
60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,634 |
$250 | $1,486 |
$500 | $1,318 |
$1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,318 |
50/100 | $1,442 |
100/300 | $1,553 |
250/500 | $1,840 |
100 CSL | $1,487 |
300 CSL | $1,730 |
500 CSL | $1,907 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,144 |
20 | $4,846 |
30 | $2,906 |
40 | $2,854 |
50 | $2,726 |
60 | $2,700 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $70 |
Multi-vehicle | $70 |
Homeowner | $20 |
5-yr Accident Free | $94 |
5-yr Claim Free | $85 |
Paid in Full/EFT | $58 |
Advance Quote | $64 |
Online Quote | $93 |
Total Discounts | $554 |
Discounts are estimated and may not be available from every company or in every state.
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