Dodge Journey Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance rates for a Dodge Journey are $1,254 a year with full coverage. Comprehensive insurance costs around $240, collision costs $400, and liability costs around $456. A policy with only liability insurance costs as low as $508 a year, with a high-risk policy costing $2,710 or more. 16-year-old drivers pay the most at $4,828 a year or more.
Average premium for full coverage: $1,254
Premium estimates for type of coverage:
Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Journey trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Dodge Journey go from as low as $508 for just liability insurance to a much higher rate of $2,710 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.
The price range example below illustrates how where you live affects auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based 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.
More Rate Details
The chart below details estimated Dodge Journey insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $733
- Using higher $1,000 deductibles will save about $146 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,254
- Buying more expensive low deductibles for physical damage coverage will cost an extra $280 annually
- High-risk insureds with multiple tickets or accidents could pay at least $2,710 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $4,828 or more
Car insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,800 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 $900 a year in states like New Hampshire, Ohio, and Utah, or at least $1,690 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $430 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be from 43% to 133% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the best way to find out your exact price is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Best Dodge Journey Insurance
Finding better rates on insurance for a Dodge Journey requires being a safe and courteous driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a brief recap of the data that was touched on in the above illustrations.
- You may be able to save up to $150 per year simply by shopping early and online
- Insureds who may need higher levels of liability will pay around $500 every year to increase from 30/60 bodily injury limits to 250/500 limits
- Teenage drivers are the costliest to insure, possibly costing $402 per month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations pay an average of $1,460 more every year for auto insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,534 |
| $250 | $1,404 |
| $500 | $1,254 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
