Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,318 a year including full coverage. Comprehensive costs approximately $260 a year, collision insurance costs $458, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs around $2,854. 16-year-old drivers pay the most at up to $5,022 a year.

Average premium for full coverage: $1,318

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Journey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $764
• Choosing higher $1,000 deductibles can save $1,154 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,318
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,634
• High-risk insureds with multiple tickets or accidents could pay around $2,854
• An auto insurance policy that insures a teen driver can cost $5,022 each year

View Chart as Image

Auto insurance prices for a Dodge Journey also have a wide range based on the trim level of your Journey, 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 $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $480 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

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 Dodge Journey insurance takes having a decent driving record, maintaining a good credit score, refrain from filing small claims, and possibly higher deductibles. Comparison shop at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following items are a summary of the data touched on in this article.

• Drivers who purchase additional liability coverage will pay around $490 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• You may be able to save around $160 per year just by quoting early and online
• Increasing policy deductibles can save approximately $475 each year
• 16 to 18-year-old drivers have the highest car insurance prices, with the cost nearing $419 per month if the policy includes full coverage