Dodge Journey Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 3, 2024

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Dodge Journey insurance

Estimated insurance prices for a Dodge Journey are $1,318 every 12 months including full coverage. Comprehensive costs an estimated $260 a year, collision insurance costs $458, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $2,854. Teen drivers pay the most at up to $5,022 a year.

Average premium for full coverage: $1,318

Premium estimates broken down by type of coverage:

Comprehensive $260
Collision $458
Liability $442

Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Journey trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Dodge Journey range from the cheapest price of $496 for basic liability insurance to a high of $2,854 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

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

These rate differences highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on price 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 breaks down average Dodge Journey insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $764
  • Raising to $1,000 deductibles will save approximately $1,154 every year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,318
  • Choosing low $100 deductibles increases the price to $1,634
  • Drivers with multiple violations and an at-fault accident could pay up to $2,854
  • An auto insurance policy to insure a 16-year-old driver can cost as much as $5,022

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance rates range from $764 to $5,022 for full coverage

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

Choosing high deductibles can reduce prices by up to $480 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 136% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Dodge Journey insurance prices. A middle-age driver might find prices 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.

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

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 Shop for the Best Cheap Dodge Journey Insurance

Finding better rates on insurance for a Dodge Journey consists of having a good driving record, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The next list is a quick review of the primary concepts that were covered above.

  • You may be able to save approximately $160 per year just by quoting early and online
  • Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,540 more annually to buy Dodge Journey insurance
  • Increasing policy deductibles could save as much as $475 each year
  • Drivers age 20 and younger are charged the highest prices, with the cost nearing $419 per month if they have full coverage

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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