Dodge Journey Insurance Rates
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UPDATED: Apr 3, 2024
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Estimated auto insurance rates for a Dodge Journey are $1,318 annually including full coverage. Comprehensive insurance costs approximately $260 a year, collision insurance costs $458, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs $2,854 or more. Teenage drivers pay the most at up to $5,022 a year.
Average premium for full coverage: $1,318
Premium estimates by type of coverage:
Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Journey trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Dodge Journey range from as cheap as $496 for the bare minimum liability coverage to a high of $2,854 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.
These rate differences highlight why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on 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 Information
The chart below breaks down average Dodge Journey insurance rates for additional coverage and risk scenarios.
- The best discount rate is $764
- Drivers who choose higher $1,000 deductibles will pay $1,154 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,318
- Using low $100 deductibles for comprehensive and collision insurance costs an additional $316 a year
- High risk drivers who are prone to accidents and violations could pay around $2,854
- An auto insurance policy with full coverage for a teen driver can cost $5,022 a year
Insurance prices for a Dodge Journey also have a wide range based on the model of your Journey, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $480 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Dodge Journey insurance rates. 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.
| 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% |
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 2019 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 | $274 | $474 | $430 | $1,336 |
| 2019 Dodge Journey | $260 | $458 | $442 | $1,318 |
| 2018 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2017 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2016 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2014 Dodge Journey | $206 | $310 | $464 | $1,138 |
| 2013 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2012 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2011 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2010 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2009 Dodge Journey | $160 | $202 | $474 | $994 |
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 Buy Cheaper Dodge Journey Insurance
Finding better rates on Dodge Journey insurance not only requires being a low-risk driver, but also having good credit, refrain from filing small claims, and consideration of higher deductibles. Make time to compare rates every other policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.
The items below are a condensed summary of the ideas that were touched on in this article.
- Teen drivers are the costliest to insure, with the cost nearing $419 per month if they have full coverage
- High-risk drivers with multiple at-fault accidents may have to pay on average $1,540 more per year to insure their Journey
- Increasing policy deductibles could save up to $475 each year
- You may be able to save around $160 per year just by quoting early and online
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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