Dodge Journey Insurance Rates

Estimated auto insurance rates for a Dodge Journey are $1,318 annually for full coverage insurance. Comprehensive costs approximately $260, collision costs $458, and liability insurance is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing around $2,854. Teenage drivers 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 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why everyone should get quotes 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.

Additional Rate Information

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

• The best discount rate is $764
• Choosing higher $1,000 deductibles can save $164 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,318
• Using pricier low deductibles for comp and collision coverage will cost $1,634
• High-risk insureds who are prone to accidents and violations could pay around $2,854 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $5,022 each year

View Chart as Image

Insurance prices for a Dodge Journey also have a wide range based on the model of your Journey, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually 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 probably paying anywhere from $1,600 to $2,200 additional annually, depending on your age. Dodge Journey insurance for high-risk drivers ranges anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 each year, whereas buying more liability protection will push prices upward. Switching 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 plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheaper Dodge Journey Insurance

Finding better rates on Dodge Journey insurance takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a condensed summary of the concepts that were presented in the illustrations above.

• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,540 more per year for Journey insurance
• Teens are the costliest to insure, with premiums being up to $419 per month if they have full coverage
• It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $475 each year
• It is possible to save around $160 per year simply by quoting online well ahead of the renewal date