Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,318 a year for full coverage insurance. Comprehensive insurance costs an estimated $260, collision costs $458, and liability costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $2,854 or more. Teen drivers pay the most at $5,022 a year or more.

Average premium for full coverage: $1,318

Premium estimates broken down by type of coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different Journey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $764
• Using higher $1,000 deductibles will save approximately $164 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,318
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $316 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,854 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $5,022 or more

View Chart as Image

Insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $480 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be from 44% to 136% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so the prices will be substantially 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 Cheap Dodge Journey Insurance

Finding better rates on insurance for a Dodge Journey requires being a good driver, maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a quick review of the information covered in the charts and tables above.

• It is possible to save approximately $160 per year simply by shopping early and online
• Drivers age 16 to 20 are charged the highest prices, with premiums being up to $419 per month for full coverage
• Increasing policy deductibles can save around $475 each year
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,540 more annually than a safer driver
• Insureds who want an increased level of liability coverage will pay about $490 annually to increase from 30/60 bodily injury limits to 250/500 limits