Dodge Journey Insurance Rates

Average insurance rates for a Dodge Journey are $1,284 a year with full coverage. Comprehensive insurance costs an estimated $250 a year, collision costs $424, and liability costs $452. A policy with just liability insurance costs as little as $504 a year, with coverage for high-risk drivers costing $2,778 or more. Teenage drivers receive the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,284

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Journey trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how where you live affects insurance prices.

These examples demonstrate why it is important to compare rates for a targeted area and risk profile, instead of using average rates.

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

Rates by State, City, and Model

The chart below details estimated Dodge Journey insurance rates for other coverage scenarios.

• The best discount rate is $748
• Drivers who choose higher $1,000 deductibles will pay approximately $1,132 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,284
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $296 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,778 or more
• The cost for full coverage for a teen driver can cost as much as $4,918 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Where you live makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $450 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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 Find the Best Dodge Journey Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting rates from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a brief recap of the primary concepts that were touched on in the above illustrations.

• You may be able to save approximately $150 per year simply by quoting early and online
• Higher risk drivers who tend to receive serious violations may pay on average $1,490 more annually for auto insurance
• Increasing deductibles can save around $450 each year
• Teenage drivers are expensive to insure, with premiums as much as $410 per month including comprehensive and collision insurance