Dodge Journey Insurance Rates

The average auto insurance rates for a Dodge Journey are $1,318 annually including full coverage. Comprehensive costs approximately $260 a year, collision insurance costs $458, and liability insurance is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs around $2,854. Teen drivers cost the most to insure at up to $5,022 a year.

Average premium for full coverage: $1,318

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Details

The chart below breaks down average Dodge Journey insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $764
• Raising to $1,000 deductibles will save $1,154 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,318
• Choosing low $100 deductibles will cost $1,634
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,854
• Policy cost with full coverage for a teen driver can cost $5,022

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $480 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Dodge Journey insurance rates. A middle-age driver might find rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Low Cost Dodge Journey Insurance

Finding cheaper rates on Dodge Journey insurance consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a review of the ideas that were covered above.

• Teenagers are expensive to insure, with premiums being up to $419 each month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,540 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $475 each year
• You may be able to save around $160 per year just by quoting early and online