Dodge Journey Insurance Rates

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UPDATED: Apr 3, 2024

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Dodge Journey insurance

U.S. average insurance rates for a Dodge Journey are $1,318 a year for full coverage. Comprehensive costs an estimated $260, collision insurance costs $458, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs around $2,854. Teen drivers pay the highest rates at up to $5,022 a year.

Average premium for full coverage: $1,318

Price estimates broken down by individual coverage:

Comprehensive $260
Collision $458
Liability $442

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Journey models.

Price Range from Low to High

Using a 40-year-old driver as an example, Dodge Journey insurance prices range from as low as $496 for minimum levels of liability insurance to the much higher price of $2,854 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $1,318
High Risk $2,854

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

Rural Areas $989
Small Cities $1,384
Large Cities $1,779

The ranges above show why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on price averages.

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 Details

The chart below shows average Dodge Journey insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $764
  • Choosing higher $1,000 deductibles can save approximately $164 a year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,318
  • Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,634
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,854
  • The price for full coverage for a 16-year-old driver for full coverage can cost as much as $5,022 each year

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance rates range from $764 to $5,022 for full coverage

Car insurance prices for a Dodge Journey are also quite variable based on your driving record, the trim level of your Journey, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,880 on average in New York, Louisiana, and Michigan.

Dodge Journey Insurance Rates by State
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%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Choosing high deductibles can save as much as $480 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,600 to $2,200 extra each year, depending on your age. Dodge Journey insurance for high-risk drivers ranges from 44% to 136% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Dodge Journey Insurance Rates by Model and Trim Level
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.

Dodge Journey Insurance Rates by Model Year
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 Right Dodge Journey Insurance

Getting lower rates on insurance for a Dodge Journey takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a quick rundown of the ideas that were raised in the charts and tables above.

  • Teen drivers have the highest car insurance prices, with premiums as much as $419 a month if full coverage is included
  • Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,540 more annually to insure their Journey
  • Increasing physical damage deductibles can save around $475 each year
  • Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Dodge Journey Insurance 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

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,634
$250 $1,486
$500 $1,318
$1,000 $1,154

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
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

Dodge Journey Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $764

Discounts are estimated and may not be available from every company or in every state.

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