Dodge Journey R/T AWD Insurance Rates

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The average auto insurance rates for a Dodge Journey R/T AWD are $1,434 annually for full coverage. Comprehensive costs on average $340 each year, collision insurance costs $572, and liability costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $3,082. Teenage drivers cost the most to insure at up to $5,216 a year.

Annual premium for full coverage: $1,434

Policy rates by individual coverage:

Comprehensive $340
Collision $572
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Journey Trim Level

Using a 40-year-old driver as an example, Dodge Journey R/T AWD insurance rates range from as cheap as $430 for just liability coverage to a high rate of $3,082 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,434
High Risk $3,082

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,076
Small Cities $1,506
Large Cities $1,936

These price differences show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

Use the form below to get rates for your location.

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Insurance prices for a Dodge Journey R/T AWD also range considerably based on the model year, your driver profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $610 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Journey R/T AWD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Because prices have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and rates will be varied between companies.

View Chart as Image

Dodge Journey R/T AWD insurance cost comparison chart
Column chart showing Dodge Journey R/T AWD insurance prices range from $826 to $5,216 for full coverage

Chart shows Dodge Journey R/T AWD insurance prices for various situations. The best price after discounts is $826. Drivers who use higher $1,000 deductibles will pay about $1,226. The average price for a 40-year-old male driver using $500 deductibles is $1,434. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $1,834. Drivers with multiple violations and accidents could be charged around $3,082. The policy rate for full coverage insurance for a teen driver can be as high as $5,216.

Dodge Journey R/T AWD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,296 -$138 -9.6%
Alaska $1,100 -$334 -23.3%
Arizona $1,190 -$244 -17.0%
Arkansas $1,434 -$0 0.0%
California $1,634 $200 13.9%
Colorado $1,372 -$62 -4.3%
Connecticut $1,476 $42 2.9%
Delaware $1,624 $190 13.2%
Florida $1,794 $360 25.1%
Georgia $1,324 -$110 -7.7%
Hawaii $1,030 -$404 -28.2%
Idaho $970 -$464 -32.4%
Illinois $1,068 -$366 -25.5%
Indiana $1,078 -$356 -24.8%
Iowa $968 -$466 -32.5%
Kansas $1,364 -$70 -4.9%
Kentucky $1,956 $522 36.4%
Louisiana $2,122 $688 48.0%
Maine $884 -$550 -38.4%
Maryland $1,182 -$252 -17.6%
Massachusetts $1,146 -$288 -20.1%
Michigan $2,492 $1,058 73.8%
Minnesota $1,200 -$234 -16.3%
Mississippi $1,718 $284 19.8%
Missouri $1,272 -$162 -11.3%
Montana $1,540 $106 7.4%
Nebraska $1,130 -$304 -21.2%
Nevada $1,720 $286 19.9%
New Hampshire $1,034 -$400 -27.9%
New Jersey $1,602 $168 11.7%
New Mexico $1,270 -$164 -11.4%
New York $1,510 $76 5.3%
North Carolina $826 -$608 -42.4%
North Dakota $1,174 -$260 -18.1%
Ohio $988 -$446 -31.1%
Oklahoma $1,474 $40 2.8%
Oregon $1,314 -$120 -8.4%
Pennsylvania $1,368 -$66 -4.6%
Rhode Island $1,912 $478 33.3%
South Carolina $1,300 -$134 -9.3%
South Dakota $1,210 -$224 -15.6%
Tennessee $1,256 -$178 -12.4%
Texas $1,728 $294 20.5%
Utah $1,062 -$372 -25.9%
Vermont $980 -$454 -31.7%
Virginia $858 -$576 -40.2%
Washington $1,108 -$326 -22.7%
West Virginia $1,314 -$120 -8.4%
Wisconsin $994 -$440 -30.7%
Wyoming $1,278 -$156 -10.9%

View Chart as Image

Dodge Journey R/T AWD insurance rates by U.S. city

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Rates by Driver Age

Dodge Journey R/T AWD Insurance Rates by Driver Age
Driver Age Premium
16 $5,216
20 $3,284
30 $1,502
40 $1,434
50 $1,306
60 $1,280

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey R/T AWD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,834
$250 $1,648
$500 $1,434
$1,000 $1,226

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey R/T AWD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,434
50/100 $1,507
100/300 $1,598
250/500 $1,834
100 CSL $1,543
300 CSL $1,743
500 CSL $1,889

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey R/T AWD Insurance Rates for High Risk Drivers
Age Premium
16 $7,450
20 $5,212
30 $3,158
40 $3,082
50 $2,940
60 $2,910

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 $196

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $73
Homeowner $20
5-yr Accident Free $106
5-yr Claim Free $92
Paid in Full/EFT $67
Advance Quote $71
Online Quote $102
Total Discounts $608
Rate after discounts $826

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

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