Dodge Journey Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 3, 2024

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Dodge Journey insurance

U.S. average insurance rates for a Dodge Journey are $1,318 a year with full coverage. Comprehensive costs around $260, collision costs $458, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $2,854. Teen drivers pay the highest rates at $5,022 a year or more.

Average premium for full coverage: $1,318

Price estimates for individual coverage:

Comprehensive $260
Collision $458
Liability $442

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different Journey trim levels.

Price Range from Low to High

For a 40-year-old driver, Dodge Journey insurance prices go from the low end price of $496 for minimum levels of liability insurance to a much higher rate of $2,854 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $1,318
High Risk $2,854

Geographic Price Range

Your location can have significant affects on insurance rates. Areas with sparse population have lower incidents of collision claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $989
Small Cities $1,384
Large Cities $1,779

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of 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 Details

The chart below details estimated Dodge Journey insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $764
  • Drivers who choose higher $1,000 deductibles will pay about $164 annually
  • The estimated price for the average middle-age driver using $500 deductibles is $1,318
  • Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,634
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,854 or more
  • The price that insures a teen driver with full coverage can be $5,022 a year

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing full coverage Dodge Journey insurance rates range from $764 to $5,022

Car insurance prices for a Dodge Journey are also quite variable based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 44% to 136% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $5,000 a year. View Rates by Age

The state you live in makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,780 on average in Florida, Michigan, and New York.

Dodge Journey Insurance Rates by State
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%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Choosing high deductibles could save up to $480 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes may be quite different.

Insurance Rates by Trim Level and Model Year

Dodge Journey Insurance Rates by Model and Trim Level
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.

Dodge Journey Insurance Rates by Model Year
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 Find Cheaper Dodge Journey Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Shop around every other policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a condensed summary of the ideas that were illustrated above.

  • 16 to 18-year-old drivers are the costliest to insure, costing up to $419 a month if full coverage is purchased
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,540 more every year than a driver with a clean driving record
  • Increasing physical damage deductibles can save approximately $475 each year
  • You may be able to save up to $160 per year simply by shopping early and online

Rates by Driver Age

Dodge Journey Insurance 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

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,634
$250 $1,486
$500 $1,318
$1,000 $1,154

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
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

Dodge Journey Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $764

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

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