Dodge Journey Insurance Rates
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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...
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UPDATED: Apr 3, 2024
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Average auto insurance rates for a Dodge Journey are $1,254 annually including full coverage. Comprehensive costs around $240, collision costs $400, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $2,710. Teens receive the highest rates at $4,828 a year or more.
Average premium for full coverage: $1,254
Rate estimates for individual coverage type:
These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Journey models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $508 for just the minimum liability insurance to the much higher price of $2,710 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates the difference location can make on auto insurance rates.
These examples highlight why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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 Analysis
The chart below breaks down estimated Dodge Journey insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $733
- Using higher $1,000 deductibles will save about $146 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,254
- Selecting pricier low deductibles for physical damage coverage will cost $1,534
- High-risk insureds with serious driving violations could pay at least $2,710 or more
- The cost with full coverage for a 16-year-old driver for full coverage can be $4,828 or more
Car insurance rates for a Dodge Journey can also vary considerably based on the trim level of your Journey, your driving characteristics, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. Dodge Journey insurance for high-risk drivers can be from 43% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live 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 Missouri, New Hampshire, and Vermont, or have to pay at least $1,790 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so rate quotes can be significantly different between companies.
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 Buy Cheap Dodge Journey Insurance
Saving money on insurance for a Dodge Journey requires being a safe and courteous driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a brief summary of the data that was touched on in this article.
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Insureds who may need higher levels of liability will pay approximately $500 per year to increase from a minimum limit to higher 250/500 limits
- Teenage drivers are the costliest to insure, as much as $402 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $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.
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