Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year for full coverage insurance. Comprehensive costs around $250 each year, collision costs $424, and liability costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing around $2,778. Teenage drivers pay the most at $4,918 a year or more.

Average premium for full coverage: $1,284

Premium estimates for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance rates.

These rate differences illustrate why all drivers should compare prices for a specific zip code, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates estimated Dodge Journey insurance rates for additional coverage choices and driver risks.

• The best discount rate is $748
• Using higher $1,000 deductibles will save about $152 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,284
• Using low deductibles for physical damage coverage bumps up the cost to $1,580
• High-risk insureds who are prone to accidents and violations could pay at least $2,778 or more
• An auto insurance policy that insures a 16-year-old driver can be $4,918 or more

View Chart as Image

Auto insurance prices for a Dodge Journey also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $450 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Affordable Dodge Journey Insurance

Finding better rates on insurance for a Dodge Journey requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at least once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief review of the primary concepts that were touched on in the above illustrations.

• It is possible to save up to $150 per year simply by quoting online in advance
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,490 more every year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $450 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $410 per month if the policy includes full coverage