Dodge Journey Insurance Rates

The average auto insurance rates for a Dodge Journey are $1,284 annually with full coverage. Comprehensive insurance costs on average $250, collision costs $424, and liability is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing $2,778 or more. Teenage drivers cost the most to insure at $4,918 a year or more.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $748
• Raising to $1,000 deductibles will save around $152 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,284
• Using more expensive low deductibles costs an additional $296 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,778 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $4,918

View Chart as Image

Auto insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $450 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Dodge Journey insurance prices. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Buy Affordable Dodge Journey Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief review of the concepts that were raised in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,490 more each year to insure a Dodge Journey
• Drivers under the age of 20 are charged the highest rates, as much as $410 each month if full coverage is included
• You may be able to save as much as $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $450 each year
• You may be able to save as much as $150 per year simply by shopping early and online