Dodge Journey Insurance Rates

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Save on 2019 Dodge Journey Car Insurance Quotes in 2025

Want cheaper car insurance rates for your Dodge Journey? No one in their right mind gets a kick out of paying for car insurance, particularly when they are paying too much. Numerous insurance companies battle for your business, and because of this it can be hard to compare car insurance companies to discover the definitive cheapest price Smart consumers take time to check car insurance prices once...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 3, 2024

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Dodge Journey insurance

Average auto insurance rates for a Dodge Journey are $1,318 annually for full coverage. Comprehensive costs an estimated $260, collision costs $458, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing around $2,854. 16-year-old drivers receive the highest rates at $5,022 a year or more.

Average premium for full coverage: $1,318

Rate estimates broken down by individual coverage type:

Comprehensive $260
Collision $458
Liability $442

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different Journey trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as cheap as $496 for minimum levels of liability insurance to a much higher rate of $2,854 for a driver that may need high-risk insurance.

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

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

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

These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on rate 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 shows estimated Dodge Journey insurance rates for other coverage scenarios.

  • The best full coverage rate is $764
  • Using higher $1,000 deductibles will save approximately $164 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,318
  • Buying more expensive low deductibles for physical damage coverage will cost $1,634
  • High-risk insureds with multiple tickets or accidents could pay up to $2,854 or more
  • The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $5,022 or more

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

Insurance rates for a Dodge Journey can also vary considerably based on the trim level of your Journey, your driver profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can be from 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $480 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Iowa, Maine, and Idaho, or at least $1,880 on average in New York, Louisiana, and Michigan.

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

With so much variability in rates, the only way to know which company is cheapest is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates can be significantly different between companies.

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 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.

Dodge Journey Insurance Rates by Model Year
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 Buy the Right Dodge Journey Insurance

Saving money on insurance for a Dodge Journey requires having a decent driving record, having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Make time to compare rates once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a quick rundown of the data that was touched on in this article.

  • Drivers can save approximately $160 per year simply by shopping early and online
  • Insureds who want additional liability coverage will pay around $490 each year to increase from a minimum limit to higher 250/500 limits
  • 16 to 18-year-old drivers are charged the highest rates, costing as high as $419 per month including comprehensive and collision insurance
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,540 more annually than a driver with a clean driving record

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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