Dodge Journey R/T AWD Insurance Rates

The average auto insurance rates for a Dodge Journey R/T AWD are $1,434 annually for full coverage. Comprehensive costs on average $340 each year, collision insurance costs $572, and liability costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $3,082. Teenage drivers cost the most to insure at up to $5,216 a year.

Annual premium for full coverage: $1,434

Policy rates by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Journey Trim Level

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

These price differences show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

Use the form below to get rates for your location.

Insurance prices for a Dodge Journey R/T AWD also range considerably based on the model year, your driver profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $610 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Journey R/T AWD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Because prices have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and rates will be varied between companies.

View Chart as Image

Chart shows Dodge Journey R/T AWD insurance prices for various situations. The best price after discounts is $826. Drivers who use higher $1,000 deductibles will pay about $1,226. The average price for a 40-year-old male driver using $500 deductibles is $1,434. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $1,834. Drivers with multiple violations and accidents could be charged around $3,082. The policy rate for full coverage insurance for a teen driver can be as high as $5,216.

View Chart as Image