Dodge Journey Insurance Rates

U.S. average auto insurance rates for a Dodge Journey are $1,254 annually for full coverage. Comprehensive insurance costs on average $240 each year, collision costs $400, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $2,710 or more. Teenage drivers pay the highest rates at $4,828 a year or more.

Average premium for full coverage: $1,254

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have fewer accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

The chart below shows estimated Dodge Journey insurance rates for different risk profiles and scenarios.

• The best discount rate is $733
• Choosing higher $1,000 deductibles can save around $146 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,254
• Using low deductibles for comp and collision coverage costs an additional $280 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,710 or more
• The price with full coverage for a teen driver may cost $4,828 each year

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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 violations or accidents 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 should be prepared to pay upwards of $4,800 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 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $430 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 $411 more each year. 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 $830 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,790 on average in Michigan, Louisiana, and New York.

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Since prices can be so different, 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 auto insurer uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy Cheap Dodge Journey Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a brief summary of the data that was covered above.

• Drivers can save as much as $150 per year simply by quoting online in advance
• Policyholders who require higher liability limits will pay an extra $500 each year to raise limits from a low limit to higher 250/500 limits
• Teens pay higher prices, with premiums as much as $402 a month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,460 more each year for Journey insurance