Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive costs approximately $250 each year, collision costs $424, and liability is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $2,778. Teen drivers pay the most at $4,918 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance prices.

These rate differences highlight why all drivers should compare rates quotes using their specific location, instead of using price averages.

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

More Rate Information

The chart below breaks down estimated Dodge Journey insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $748
• Raising to $1,000 deductibles will save $152 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,284
• Choosing low deductibles bumps up the cost to $1,580
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,778 or more
• An auto insurance policy that insures a teen driver can cost $4,918

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little 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 teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

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 $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $450 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 More Affordable Dodge Journey Insurance

Finding better rates on car insurance consists of having a good driving record, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Shop around at every policy renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a summary of the data touched on in the above illustrations.

• Policyholders who purchase increased levels of liability coverage will pay about $500 per year to raise from 30/60 bodily injury limits to the 250/500 level
• You may be able to save around $150 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $450 each year
• Drivers age 20 and younger are expensive to insure, with the cost nearing $410 per month if full coverage is included