Dodge Journey Insurance Rates
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Michelle Robbins
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UPDATED: Apr 3, 2024
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Estimated insurance prices for a Dodge Journey are $1,254 every 12 months for full coverage. Comprehensive costs on average $240 a year, collision costs $400, and liability insurance costs around $456. A policy with only liability insurance costs as low as $508 a year, with a high-risk policy costing around $2,710. Teens pay the most at $4,828 a year or more.
Average premium for full coverage: $1,254
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and Journey trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Dodge Journey go from the cheapest price of $508 for a discount liability-only rate to a high of $2,710 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on car insurance rates.
These rate differences show why it is important to compare prices based on a 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.
Rates by State, City, and Model
The chart below shows estimated Dodge Journey insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $733
- Using higher $1,000 deductibles will save around $1,108 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,254
- Selecting low $100 deductibles for physical damage coverage increases the price to $1,534
- Drivers with serious driving violations could pay upwards of $2,710 or more
- An auto insurance policy to insure a teen driver may cost $4,828 or more
Car insurance prices for a Dodge Journey also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Journey.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $430 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,790 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company calculates prices differently, so rate quotes will be substantially different.
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 Shop for More Affordable Dodge Journey Insurance
Finding better rates on Dodge Journey insurance requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates at every policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.
The list below is a summary of the data touched on in this article.
- Drivers who require higher liability limits will pay approximately $500 each year to increase from 30/60 bodily injury limits to a 250/500 level
- Drivers can save as much as $150 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $425 each year
- Teenagers are expensive to insure, as much as $402 per month if the policy includes full coverage
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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