Dodge Journey Insurance Rates

Average insurance rates for a Dodge Journey are $1,318 a year including full coverage. Comprehensive costs an estimated $260, collision insurance costs $458, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs around $2,854. Teenage drivers receive the highest rates at up to $5,022 a year.

Average premium for full coverage: $1,318

Rate estimates broken down by individual coverage type:

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Journey trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how geographic area affects insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $764
• Drivers who choose higher $1,000 deductibles will pay approximately $164 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,318
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,634
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,854
• The cost that insures a teen driver with full coverage can cost as much as $5,022 a year

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Insurance rates for a Dodge Journey can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance can cost as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age

Where you live makes a big difference in Dodge Journey insurance prices. A 40-year-old driver 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 could save up to $480 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

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 Cheap Dodge Journey Insurance

Saving money on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a quick review of the information presented in the illustrations above.

• You may be able to save approximately $160 per year just by shopping early and online
• Teens are expensive to insure, as much as $419 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $475 each year
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,540 more annually for Journey insurance
• Policyholders who want higher liability limits will pay an extra $490 per year to go from a minimum limit to the 250/500 level