Dodge Journey Insurance Rates

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UPDATED: Apr 3, 2024

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Dodge Journey insurance

Average insurance rates for a Dodge Journey are $1,254 a year including full coverage. Comprehensive costs around $240 a year, collision costs $400, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,710. 16-year-old drivers receive the highest rates at $4,828 a year or more.

Average premium for full coverage: $1,254

Rate estimates for individual coverage type:

Comprehensive $240
Collision $400
Liability $456

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Journey trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $508 for the bare minimum liability coverage to a high of $2,710 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,254
High Risk $2,710

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $941
Small Cities $1,317
Large Cities $1,693

These examples highlight why it is important to compare rates for a specific zip code and risk profile, rather than relying on rate averages.

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.

Additional Rate Information

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

  • The best full coverage rate is $733
  • Drivers who choose higher $1,000 deductibles will pay about $1,108 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,254
  • Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,534
  • High risk drivers with multiple tickets or accidents could pay at least $2,710 or more
  • The cost for full coverage for a teen driver can be $4,828 a year

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing full coverage Dodge Journey insurance rates range from $733 to $4,828

Insurance rates for a Dodge Journey can also vary considerably based on your driver profile, the model of your Journey, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age

Where you live makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,790 on average in Michigan, New York, and Louisiana.

Dodge Journey Insurance Rates by State
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%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $430 each year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Dodge Journey Insurance Rates by Model and Trim Level
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.

Dodge Journey Insurance Rates by Model Year
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 Find More Affordable Dodge Journey Insurance

Saving money on Dodge Journey insurance not only requires having a decent driving record, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a summary of the data that was covered above.

  • You may be able to save up to $150 per year simply by quoting early and online
  • Drivers who may need additional liability coverage will pay around $500 per year to go from a minimum limit to 250/500 limits
  • 16 to 18-year-old drivers pay higher rates, as much as $402 per month for full coverage
  • High-risk drivers who have multiple accidents or major violations pay on average $1,460 more every year than a driver with a clean driving record

Rates by Driver Age

Dodge Journey Insurance 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

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,534
$250 $1,404
$500 $1,254
$1,000 $1,108

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
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

Dodge Journey Insurance 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.

SR-22 Surcharge $173

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
Rate after discounts $733

Discounts are estimated and may not be available from every company or in every state.

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