Dodge Journey Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance prices for a Dodge Journey are $1,318 every 12 months with full coverage. Comprehensive insurance costs approximately $260, collision costs $458, and liability insurance is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $2,854 or more. Teens cost the most to insure at $5,022 a year or more.
Average premium for full coverage: $1,318
Policy rates by type of insurance:
Prices include $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
Using a middle-aged driver as an example, Dodge Journey insurance rates go from the cheapest price of $496 for just the minimum liability insurance to a much higher rate of $2,854 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance prices.
The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying 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 details estimated Dodge Journey insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $764
- Choosing higher $1,000 deductibles can save $164 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,318
- Selecting more expensive low deductibles for comp and collision coverage costs an extra $316 a year
- High-risk insureds with serious driving violations could pay around $2,854 or more
- Policy cost to insure a teen driver with full coverage can cost $5,022 each year
Auto insurance rates for a Dodge Journey also range considerably based on liability limits and deductibles, your driving record, and the model of your Journey.
Choosing higher comprehensive and collision insurance deductibles can save as much as $480 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,780 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$126 | -9.6% |
| Alaska | $1,010 | -$308 | -23.4% |
| Arizona | $1,096 | -$222 | -16.8% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,502 | $184 | 14.0% |
| Colorado | $1,258 | -$60 | -4.6% |
| Connecticut | $1,354 | $36 | 2.7% |
| Delaware | $1,492 | $174 | 13.2% |
| Florida | $1,648 | $330 | 25.0% |
| Georgia | $1,216 | -$102 | -7.7% |
| Hawaii | $946 | -$372 | -28.2% |
| Idaho | $892 | -$426 | -32.3% |
| Illinois | $982 | -$336 | -25.5% |
| Indiana | $992 | -$326 | -24.7% |
| Iowa | $888 | -$430 | -32.6% |
| Kansas | $1,252 | -$66 | -5.0% |
| Kentucky | $1,798 | $480 | 36.4% |
| Louisiana | $1,952 | $634 | 48.1% |
| Maine | $812 | -$506 | -38.4% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,056 | -$262 | -19.9% |
| Michigan | $2,288 | $970 | 73.6% |
| Minnesota | $1,102 | -$216 | -16.4% |
| Mississippi | $1,578 | $260 | 19.7% |
| Missouri | $1,168 | -$150 | -11.4% |
| Montana | $1,416 | $98 | 7.4% |
| Nebraska | $1,038 | -$280 | -21.2% |
| Nevada | $1,578 | $260 | 19.7% |
| New Hampshire | $948 | -$370 | -28.1% |
| New Jersey | $1,474 | $156 | 11.8% |
| New Mexico | $1,168 | -$150 | -11.4% |
| New York | $1,388 | $70 | 5.3% |
| North Carolina | $760 | -$558 | -42.3% |
| North Dakota | $1,078 | -$240 | -18.2% |
| Ohio | $910 | -$408 | -31.0% |
| Oklahoma | $1,354 | $36 | 2.7% |
| Oregon | $1,208 | -$110 | -8.3% |
| Pennsylvania | $1,258 | -$60 | -4.6% |
| Rhode Island | $1,758 | $440 | 33.4% |
| South Carolina | $1,192 | -$126 | -9.6% |
| South Dakota | $1,112 | -$206 | -15.6% |
| Tennessee | $1,154 | -$164 | -12.4% |
| Texas | $1,588 | $270 | 20.5% |
| Utah | $976 | -$342 | -25.9% |
| Vermont | $902 | -$416 | -31.6% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,020 | -$298 | -22.6% |
| West Virginia | $1,208 | -$110 | -8.3% |
| Wisconsin | $912 | -$406 | -30.8% |
| Wyoming | $1,174 | -$144 | -10.9% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,204 | $100 |
| Dodge Journey SXT 2WD | $1,242 | $104 |
| Dodge Journey R/T 2WD | $1,318 | $110 |
| Dodge Journey SXT Crew 2WD | $1,318 | $110 |
| Dodge Journey SXT AWD | $1,318 | $110 |
| Dodge Journey R/T AWD | $1,354 | $113 |
| Dodge Journey SXT Crew AWD | $1,354 | $113 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Journey | $274 | $474 | $430 | $1,336 |
| 2019 Dodge Journey | $260 | $458 | $442 | $1,318 |
| 2018 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2017 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2016 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2014 Dodge Journey | $206 | $310 | $464 | $1,138 |
| 2013 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2012 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2011 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2010 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2009 Dodge Journey | $160 | $202 | $474 | $994 |
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 Shop for the Right Dodge Journey Insurance
Finding cheaper rates on Dodge Journey insurance takes being a good driver, having a good credit score, not filing small claims, and not having any coverage lapses. Take the time to comparison shop at every other renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.
The following list is a quick rundown of the concepts that were touched on in the above illustrations.
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,540 more per year than a safer driver
- Drivers age 16 to 20 have the highest car insurance rates, as much as $419 each month if comprehensive and collision insurance is included
- You may be able to save around $160 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $475 each year
- You may be able to save around $160 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,022 |
| 20 | $3,040 |
| 30 | $1,366 |
| 40 | $1,318 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,634 |
| $250 | $1,486 |
| $500 | $1,318 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,442 |
| 100/300 | $1,553 |
| 250/500 | $1,840 |
| 100 CSL | $1,487 |
| 300 CSL | $1,730 |
| 500 CSL | $1,907 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,144 |
| 20 | $4,846 |
| 30 | $2,906 |
| 40 | $2,854 |
| 50 | $2,726 |
| 60 | $2,700 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $554 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
