Dodge Journey Insurance Rates
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UPDATED: Apr 3, 2024
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The average insurance rates for a Dodge Journey are $1,318 a year with full coverage. Comprehensive insurance costs around $260, collision costs $458, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $2,854 or more. 16-year-old drivers cost the most to insure at $5,022 a year or more.
Average premium for full coverage: $1,318
Policy rates for type of insurance:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Journey models.
Price Range Variability
For the normal driver, Dodge Journey insurance rates go from as low as $496 for basic liability insurance to the much higher price of $2,854 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.
The example below illustrates how geographic area affects auto insurance rates.
The examples above demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of using 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.
Rate Comparisons
The chart below details estimated Dodge Journey insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $764
- Raising to $1,000 deductibles will save about $164 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,318
- Buying pricier low deductibles will cost an extra $316 every year
- At-risk drivers with multiple tickets or accidents could pay at least $2,854 or more
- Policy cost for full coverage for a teen driver for full coverage can be $5,022
Insurance rates for a Dodge Journey also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may 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 good drivers can expect to pay as much as $5,000 a year. View Rates by Age
Your home state also has a big influence on Dodge Journey insurance prices. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $480 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. Dodge Journey insurance for high-risk drivers is expensive and can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Best Dodge Journey Insurance
Finding cheaper rates on car insurance consists of being a good driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following list is a brief recap of the car insurance concepts presented in the illustrations above.
- Higher risk drivers who tend to receive serious violations pay an average of $1,540 more every year than a safer driver
- You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $475 each year
- Policyholders who may need an increased level of liability coverage will pay around $490 every year to raise from a 30/60 limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,634 |
| $250 | $1,486 |
| $500 | $1,318 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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