Dodge Journey Insurance Rates

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

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.

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

View Chart as Image

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.

View Chart as Image

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

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 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