Dodge Journey Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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U.S. average auto insurance rates for a Dodge Journey are $1,254 annually with full coverage. Comprehensive costs approximately $240 each year, collision insurance costs $400, and liability is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs around $2,710. Teens pay the highest rates at up to $4,828 a year.
Average premium for full coverage: $1,254
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Journey models.
Price Range from Low to High
For the normal driver, Dodge Journey insurance prices range from as cheap as $508 for your basic liability-only policy to a high rate of $2,710 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance prices.
The ranges above demonstrate why all drivers should compare rates quotes using their 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.
More Rate Information
The chart below details average Dodge Journey insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $733
- Raising to $1,000 deductibles will save $146 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,254
- Selecting low deductibles will cost $1,534
- At-risk drivers with serious driving violations could pay around $2,710
- The price with full coverage for a teen driver can cost $4,828
Insurance prices for a Dodge Journey are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little 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 in the ballpark of $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $430 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 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 $900 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,690 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,134 | -$120 | -9.6% |
| Alaska | $962 | -$292 | -23.3% |
| Arizona | $1,040 | -$214 | -17.1% |
| Arkansas | $1,254 | -$0 | 0.0% |
| California | $1,428 | $174 | 13.9% |
| Colorado | $1,198 | -$56 | -4.5% |
| Connecticut | $1,288 | $34 | 2.7% |
| Delaware | $1,418 | $164 | 13.1% |
| Florida | $1,570 | $316 | 25.2% |
| Georgia | $1,158 | -$96 | -7.7% |
| Hawaii | $902 | -$352 | -28.1% |
| Idaho | $846 | -$408 | -32.5% |
| Illinois | $934 | -$320 | -25.5% |
| Indiana | $944 | -$310 | -24.7% |
| Iowa | $846 | -$408 | -32.5% |
| Kansas | $1,192 | -$62 | -4.9% |
| Kentucky | $1,710 | $456 | 36.4% |
| Louisiana | $1,854 | $600 | 47.8% |
| Maine | $774 | -$480 | -38.3% |
| Maryland | $1,034 | -$220 | -17.5% |
| Massachusetts | $1,004 | -$250 | -19.9% |
| Michigan | $2,178 | $924 | 73.7% |
| Minnesota | $1,048 | -$206 | -16.4% |
| Mississippi | $1,500 | $246 | 19.6% |
| Missouri | $1,110 | -$144 | -11.5% |
| Montana | $1,348 | $94 | 7.5% |
| Nebraska | $986 | -$268 | -21.4% |
| Nevada | $1,502 | $248 | 19.8% |
| New Hampshire | $902 | -$352 | -28.1% |
| New Jersey | $1,400 | $146 | 11.6% |
| New Mexico | $1,110 | -$144 | -11.5% |
| New York | $1,320 | $66 | 5.3% |
| North Carolina | $722 | -$532 | -42.4% |
| North Dakota | $1,026 | -$228 | -18.2% |
| Ohio | $866 | -$388 | -30.9% |
| Oklahoma | $1,288 | $34 | 2.7% |
| Oregon | $1,148 | -$106 | -8.5% |
| Pennsylvania | $1,196 | -$58 | -4.6% |
| Rhode Island | $1,674 | $420 | 33.5% |
| South Carolina | $1,134 | -$120 | -9.6% |
| South Dakota | $1,058 | -$196 | -15.6% |
| Tennessee | $1,098 | -$156 | -12.4% |
| Texas | $1,510 | $256 | 20.4% |
| Utah | $930 | -$324 | -25.8% |
| Vermont | $860 | -$394 | -31.4% |
| Virginia | $752 | -$502 | -40.0% |
| Washington | $968 | -$286 | -22.8% |
| West Virginia | $1,148 | -$106 | -8.5% |
| Wisconsin | $868 | -$386 | -30.8% |
| Wyoming | $1,118 | -$136 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,152 | $96 |
| Dodge Journey SXT 2WD | $1,184 | $99 |
| Dodge Journey R/T 2WD | $1,254 | $105 |
| Dodge Journey SXT Crew 2WD | $1,254 | $105 |
| Dodge Journey SXT AWD | $1,254 | $105 |
| Dodge Journey R/T AWD | $1,288 | $107 |
| Dodge Journey SXT Crew AWD | $1,288 | $107 |
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 | $250 | $424 | $452 | $1,284 |
| 2019 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2018 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2017 Dodge Journey | $214 | $330 | $460 | $1,162 |
| 2016 Dodge Journey | $206 | $310 | $464 | $1,138 |
| 2014 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2013 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2012 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2011 Dodge Journey | $160 | $202 | $474 | $994 |
| 2010 Dodge Journey | $154 | $182 | $468 | $962 |
| 2009 Dodge Journey | $152 | $178 | $460 | $948 |
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 Cheaper Dodge Journey Insurance
Getting lower rates on car insurance consists of being a good driver, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a condensed summary of the information presented in the illustrations above.
- You may be able to save around $150 per year just by quoting online in advance
- Drivers age 16 to 20 are the costliest to insure, costing up to $402 a month if they have full coverage
- Increasing physical damage deductibles could save up to $425 each year
- Higher risk drivers with multiple at-fault accidents may pay on average $1,460 more per year than a safer driver
- Policyholders who purchase an increased level of liability coverage will pay approximately $500 every year to raise from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,828 |
| 20 | $2,886 |
| 30 | $1,292 |
| 40 | $1,254 |
| 50 | $1,148 |
| 60 | $1,124 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,534 |
| $250 | $1,404 |
| $500 | $1,254 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,254 |
| 50/100 | $1,379 |
| 100/300 | $1,493 |
| 250/500 | $1,790 |
| 100 CSL | $1,425 |
| 300 CSL | $1,676 |
| 500 CSL | $1,858 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,856 |
| 20 | $4,598 |
| 30 | $2,754 |
| 40 | $2,710 |
| 50 | $2,590 |
| 60 | $2,566 |
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 | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $88 |
| Total Discounts | $521 |
Discounts are estimated and may not be available from every company or in every state.
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