Dodge Journey Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 3, 2024
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Estimated insurance rates for a Dodge Journey are $1,318 a year for full coverage insurance. Comprehensive insurance costs around $260 each year, collision insurance costs $458, and liability coverage costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs $2,854 or more. Teen drivers pay the most at up to $5,022 a year.
Average premium for full coverage: $1,318
Premium estimates for type of coverage:
Price estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Journey models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Dodge Journey range from as low as $496 for the bare minimum liability coverage to a high rate of $2,854 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than using 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 Information
The chart below illustrates average Dodge Journey insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $764
- Using higher $1,000 deductibles will save about $164 each year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,318
- Choosing low deductibles for physical damage coverage will cost an extra $316 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,854
- An auto insurance policy for full coverage for a teenage driver can be $5,022 or more
Auto insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age
Where you choose to live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,780 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could cut prices by as much as $480 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at least $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 44% to 136% more than average. View High Risk Driver Rates
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 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.
| 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 Cheaper Dodge Journey Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a condensed summary of the primary concepts that were covered in the charts and tables above.
- It is possible to save up to $160 per year just by quoting online in advance
- Drivers with multiple at-fault accidents may pay on average $1,540 more every year for Journey insurance
- Increasing policy deductibles can save around $475 each year
- Teens are expensive to insure, with premiums being up to $419 per month if they have full coverage
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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