Dodge Journey Insurance Rates

The average insurance rates for a Dodge Journey are $1,254 a year including full coverage. Comprehensive insurance costs an estimated $240 each year, collision insurance costs $400, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $2,710 or more. 16-year-old drivers cost the most to insure at up to $4,828 a year.

Average premium for full coverage: $1,254

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how location impacts insurance prices.

The examples above highlight why all drivers should compare prices for a targeted area, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down average Dodge Journey insurance rates for other coverage scenarios.

• The best full coverage rate is $733
• Using higher $1,000 deductibles will save approximately $146 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,254
• Buying low deductibles for physical damage coverage will cost an additional $280 annually
• High-risk insureds with multiple tickets or accidents could pay up to $2,710
• Policy cost that insures a 16-year-old driver can cost as much as $4,828 or more

View Chart as Image

Insurance rates for a Dodge Journey also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be from 43% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age

Your home state has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,790 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $430 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Cheap Dodge Journey Insurance

Finding cheaper rates on insurance for a Dodge Journey requires being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Comparison shop at every other renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick review of the concepts that were touched on above.

• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,460 more annually to insure their Journey
• Teen drivers are expensive to insure, with premiums being up to $402 each month if comprehensive and collision insurance is included
• You may be able to save approximately $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• You may be able to save approximately $150 per year just by quoting online in advance