Dodge Journey Insurance Rates

U.S. average insurance rates for a Dodge Journey are $1,336 a year for full coverage. Comprehensive insurance costs around $274, collision costs $474, and liability costs $430. Liability-only coverage costs as little as $486 a year, with high-risk coverage costing $2,888 or more. Teen drivers pay the highest rates at $5,048 a year or more.

Average premium for full coverage: $1,336

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Journey trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates for a specific zip code, instead of using price averages.

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

Additional Rate Information

The chart below shows estimated Dodge Journey insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $775
• Drivers who choose higher $1,000 deductibles will pay about $170 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,336
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $330 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,888 or more
• The price that insures a teen driver with full coverage can be $5,048 a year

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Auto insurance prices for a Dodge Journey are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can cost as much as 44% to 134% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

The state you live in makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $1,910 on average in Michigan, Louisiana, and New York.

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Choosing high deductibles could save up to $500 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to compare prices and see which company has the best price. Every company uses a different rate calculation, and quoted prices may be quite 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 Cheap Dodge Journey Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Shop around every year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The list below is a brief summary of the coverage data touched on in this article.

• Drivers can save up to $160 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $500 each year
• Teenagers are expensive to insure, with premiums as much as $421 a month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,550 more every year for car insurance