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 auto insurance rates for a Dodge Journey are $1,284 annually for full coverage. Comprehensive insurance costs on average $250 each year, collision insurance costs $424, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs $2,778 or more. Teens 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

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

Price Range from Low to High

For the average driver, Dodge Journey insurance prices range from as cheap as $504 for just the minimum liability insurance to a high rate of $2,778 for a driver who requires high-risk insurance.

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

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how location impacts car insurance rates.

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

The ranges above show why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using 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 shows average Dodge Journey insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $748
  • Choosing higher $1,000 deductibles can save around $152 a year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,284
  • Selecting low deductibles for comp and collision coverage costs an additional $296 every year
  • Unlucky drivers with serious driving violations could pay upwards of $2,778
  • The price with full coverage for a teen driver may cost $4,918 each year

View Chart as Image

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

Car insurance prices for a Dodge Journey are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $450 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,830 on average in Michigan, Louisiana, 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

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 Cheap Dodge Journey Insurance

Getting lower rates on car insurance takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a brief summary of the concepts that were touched on above.

  • Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,490 more each year for car insurance
  • Teenagers are expensive to insure, with premiums as much as $410 a month if comprehensive and collision insurance is included
  • Drivers can save as much as $150 per year just by quoting online in advance
  • Increasing physical damage deductibles could save up to $450 each year
  • Drivers can save as much as $150 per year just by quoting online in advance

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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