Dodge Journey Insurance Rates

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

Average premium for full coverage: $1,318

Price estimates for individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Journey models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

The ranges above show why everyone should compare rates for a specific zip code and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $764
• Drivers who choose higher $1,000 deductibles will pay about $164 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,318
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,634
• Higher-risk drivers with serious driving violations could pay at least $2,854 or more
• The price for full coverage for a teen driver for full coverage can be $5,022 a year

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Auto insurance prices for a Dodge Journey are also quite variable based on your driving record, the trim level of your Journey, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay 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 $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.

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Choosing higher comprehensive and collision insurance deductibles could save up to $480 every year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Dodge Journey insurance for high-risk drivers can cost as much as 44% to 136% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to regularly compare prices and see which company has the best price. Every company calculates prices differently, and quoted prices may be quite 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 the Best Dodge Journey Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following items are a brief recap of the concepts that were touched on in the above illustrations.

• Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,540 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $419 a month if they have full coverage
• Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $475 each year
• Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date