Dodge Journey Insurance Rates

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2016 Dodge Journey Insurance Quotes in 2025 – 10 Policy Discounts

If you're new to shopping for insurance quotes online, it's easy to get confused thanks to the huge assortment insurance agents and companies all claiming to save you money. Lower rate quotes by applying these ten discounts Insurance can be prohibitively expensive, but you might already qualify for some discounts to help bring down the price. Certain reductions will be credited when you complete...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 3, 2024

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Dodge Journey insurance

U.S. average insurance rates for a Dodge Journey are $1,284 a year with full coverage. Comprehensive costs on average $250, collision insurance costs $424, and liability insurance costs $452. A policy with just liability insurance costs as little as $504 a year, and coverage for high-risk drivers costs around $2,778. 16-year-old drivers pay the highest rates at up to $4,918 a year.

Average premium for full coverage: $1,284

Price estimates by individual coverage:

Comprehensive $250
Collision $424
Liability $452

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all Journey models.

Price Range from Low to High

For a 40-year-old driver, Dodge Journey insurance prices range from as low as $504 for your basic liability-only policy to the much higher price of $2,778 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,284
High Risk $2,778

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities. The example below illustrates how your location can change car insurance rates.

Rural Areas $963
Small Cities $1,348
Large Cities $1,733

The ranges above demonstrate why everyone should compare rates based on a specific location and risk profile, rather than relying on 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.

More Rate Information

The chart below details average Dodge Journey insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $748
  • Drivers who choose higher $1,000 deductibles will pay around $152 annually
  • The average rate for the average middle-age driver with $500 deductibles is $1,284
  • Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,580
  • High risk drivers with multiple tickets or accidents could pay upwards of $2,778
  • The price for full coverage for a teen driver for full coverage may cost $4,918 a year

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance rates range from $748 to $4,918 for full coverage

Insurance prices for a Dodge Journey are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age

The state you live in makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,730 on average in Florida, Michigan, and New York.

Dodge Journey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,162 -$122 -9.5%
Alaska $986 -$298 -23.2%
Arizona $1,064 -$220 -17.1%
Arkansas $1,284 -$0 0.0%
California $1,462 $178 13.9%
Colorado $1,226 -$58 -4.5%
Connecticut $1,320 $36 2.8%
Delaware $1,452 $168 13.1%
Florida $1,606 $322 25.1%
Georgia $1,184 -$100 -7.8%
Hawaii $920 -$364 -28.3%
Idaho $868 -$416 -32.4%
Illinois $956 -$328 -25.5%
Indiana $966 -$318 -24.8%
Iowa $864 -$420 -32.7%
Kansas $1,220 -$64 -5.0%
Kentucky $1,752 $468 36.4%
Louisiana $1,900 $616 48.0%
Maine $792 -$492 -38.3%
Maryland $1,058 -$226 -17.6%
Massachusetts $1,028 -$256 -19.9%
Michigan $2,230 $946 73.7%
Minnesota $1,074 -$210 -16.4%
Mississippi $1,536 $252 19.6%
Missouri $1,138 -$146 -11.4%
Montana $1,378 $94 7.3%
Nebraska $1,012 -$272 -21.2%
Nevada $1,540 $256 19.9%
New Hampshire $926 -$358 -27.9%
New Jersey $1,434 $150 11.7%
New Mexico $1,136 -$148 -11.5%
New York $1,350 $66 5.1%
North Carolina $740 -$544 -42.4%
North Dakota $1,052 -$232 -18.1%
Ohio $886 -$398 -31.0%
Oklahoma $1,318 $34 2.6%
Oregon $1,174 -$110 -8.6%
Pennsylvania $1,224 -$60 -4.7%
Rhode Island $1,712 $428 33.3%
South Carolina $1,162 -$122 -9.5%
South Dakota $1,082 -$202 -15.7%
Tennessee $1,124 -$160 -12.5%
Texas $1,548 $264 20.6%
Utah $950 -$334 -26.0%
Vermont $878 -$406 -31.6%
Virginia $768 -$516 -40.2%
Washington $992 -$292 -22.7%
West Virginia $1,176 -$108 -8.4%
Wisconsin $888 -$396 -30.8%
Wyoming $1,144 -$140 -10.9%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $450 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. Dodge Journey insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

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 $1,178 $98
Dodge Journey SXT 2WD $1,212 $101
Dodge Journey R/T 2WD $1,284 $107
Dodge Journey SXT Crew 2WD $1,284 $107
Dodge Journey SXT AWD $1,284 $107
Dodge Journey R/T AWD $1,320 $110
Dodge Journey SXT Crew AWD $1,320 $110

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.

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
2016 Dodge Journey $214 $330 $460 $1,162
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 More Affordable Dodge Journey Insurance

Getting lower rates on Dodge Journey insurance not only requires avoiding accidents and violations, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The list below is a summary of the information illustrated above.

  • You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
  • Teenagers pay the highest prices, costing up to $410 a month for full coverage
  • Increasing physical damage deductibles can save around $450 each year
  • High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,490 more each year for car insurance
  • Drivers who require higher liability limits will pay around $500 every year to go from a low limit to 250/500 limits

Rates by Driver Age

Dodge Journey Insurance Rates by Driver Age
Driver Age Premium
16 $4,918
20 $2,956
30 $1,328
40 $1,284
50 $1,174
60 $1,150

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,580
$250 $1,442
$500 $1,284
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,284
50/100 $1,410
100/300 $1,523
250/500 $1,817
100 CSL $1,456
300 CSL $1,704
500 CSL $1,885

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey Insurance Rates for High Risk Drivers
Age Premium
16 $6,992
20 $4,712
30 $2,824
40 $2,778
50 $2,652
60 $2,628

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 $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $83
Paid in Full/EFT $55
Advance Quote $62
Online Quote $90
Total Discounts $536
Rate after discounts $748

Discounts are estimated and may not be available from every company or in every state.

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