Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,318 a year with full coverage. Comprehensive costs approximately $260, collision costs $458, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $2,854. Teens pay the most at $5,022 a year or more.

Average premium for full coverage: $1,318

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Journey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of using averaged prices.

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

More Rate Information

The chart below details estimated Dodge Journey insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $764
• Raising to $1,000 deductibles will save $164 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,318
• Selecting more expensive low deductibles will increase the cost to $1,634
• At-risk drivers with serious driving violations could pay around $2,854 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can cost $5,022

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Insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Journey insurance prices. A middle-age driver might find prices as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,780 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $480 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 136% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Dodge Journey Insurance

Finding better rates on car insurance consists of being a good driver, having a good credit history, being claim-free, and qualifying for all possible discounts. Spend time shopping around at least every other year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the car insurance concepts touched on above.

• Higher risk drivers with multiple at-fault accidents pay on average $1,540 more per year than a safer driver
• You may be able to save around $160 per year simply by shopping early and online
• Increasing policy deductibles can save around $475 each year
• Policyholders who purchase an increased level of liability coverage will pay approximately $490 every year to raise from 30/60 bodily injury limits to 250/500 limits