Dodge Journey Insurance Rates

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UPDATED: Apr 3, 2024

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Dodge Journey insurance

U.S. average auto insurance rates for a Dodge Journey are $1,284 annually for full coverage insurance. Comprehensive costs an estimated $250, collision costs $424, and liability is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing around $2,778. Teens pay the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,284

Price estimates broken down by individual coverage:

Comprehensive $250
Collision $424
Liability $452

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all Journey models.

Price Range from Low to High

For the average driver, Dodge Journey insurance prices go from as cheap as $504 for just the minimum liability insurance to the much higher price of $2,778 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates how location impacts insurance prices.

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

The ranges above illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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.

Additional Rate Analysis

The chart below illustrates estimated Dodge Journey insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $748
  • Raising to $1,000 deductibles will save approximately $152 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,284
  • Selecting pricier low deductibles will cost $1,580
  • Drivers with serious driving violations could pay up to $2,778 or more
  • The price with full coverage for a 16-year-old driver for full coverage can cost as much as $4,918

View Chart as Image

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

Insurance prices for a Dodge Journey are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,500 to $2,100 additional each year, depending on your age. Dodge Journey insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $450 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Dodge Journey insurance prices. A middle-age driver might find prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.

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

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, and prices may be quite different between companies.

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 Buy Low Cost Dodge Journey Insurance

Getting lower rates on insurance for a Dodge Journey consists of not taking risks behind the wheel, having good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around every other policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a review of the ideas that were touched on above.

  • Teens are expensive to insure, as much as $410 a month if they have full coverage
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,490 more annually for Journey insurance
  • Increasing physical damage deductibles could save up to $450 each year
  • It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date

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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