Dodge Journey Insurance Rates

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UPDATED: Apr 3, 2024

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Dodge Journey insurance

U.S. average insurance rates for a Dodge Journey are $1,284 a year for full coverage insurance. Comprehensive costs on average $250 each year, collision insurance costs $424, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $2,778. Teens pay the highest rates at up to $4,918 a year.

Average premium for full coverage: $1,284

Price estimates by individual coverage:

Comprehensive $250
Collision $424
Liability $452

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Journey models.

Price Range from Low to High

For a driver in their 40's, Dodge Journey insurance prices range from the low end price of $504 for just the minimum liability insurance to a high rate of $2,778 for a policy for a high-risk driver.

Liability Only $504
Full Coverage $1,284
High Risk $2,778

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

Rural Areas $963
Small Cities $1,348
Large Cities $1,733

The ranges above illustrate why all drivers should compare prices based on a specific location, rather than relying 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 illustrates average Dodge Journey insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $748
  • Using higher $1,000 deductibles will save around $152 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,284
  • Selecting low deductibles for physical damage coverage bumps up the cost to $1,580
  • Drivers with serious driving violations could pay upwards of $2,778
  • The price that insures a teen driver may cost $4,918 or more

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance rates range from $748 to $4,918 for full coverage

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

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

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,730 on average in Michigan, New York, and Florida.

Dodge Journey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,162 -$122 -9.5%
Alaska $986 -$298 -23.2%
Arizona $1,064 -$220 -17.1%
Arkansas $1,284 -$0 0.0%
California $1,462 $178 13.9%
Colorado $1,226 -$58 -4.5%
Connecticut $1,320 $36 2.8%
Delaware $1,452 $168 13.1%
Florida $1,606 $322 25.1%
Georgia $1,184 -$100 -7.8%
Hawaii $920 -$364 -28.3%
Idaho $868 -$416 -32.4%
Illinois $956 -$328 -25.5%
Indiana $966 -$318 -24.8%
Iowa $864 -$420 -32.7%
Kansas $1,220 -$64 -5.0%
Kentucky $1,752 $468 36.4%
Louisiana $1,900 $616 48.0%
Maine $792 -$492 -38.3%
Maryland $1,058 -$226 -17.6%
Massachusetts $1,028 -$256 -19.9%
Michigan $2,230 $946 73.7%
Minnesota $1,074 -$210 -16.4%
Mississippi $1,536 $252 19.6%
Missouri $1,138 -$146 -11.4%
Montana $1,378 $94 7.3%
Nebraska $1,012 -$272 -21.2%
Nevada $1,540 $256 19.9%
New Hampshire $926 -$358 -27.9%
New Jersey $1,434 $150 11.7%
New Mexico $1,136 -$148 -11.5%
New York $1,350 $66 5.1%
North Carolina $740 -$544 -42.4%
North Dakota $1,052 -$232 -18.1%
Ohio $886 -$398 -31.0%
Oklahoma $1,318 $34 2.6%
Oregon $1,174 -$110 -8.6%
Pennsylvania $1,224 -$60 -4.7%
Rhode Island $1,712 $428 33.3%
South Carolina $1,162 -$122 -9.5%
South Dakota $1,082 -$202 -15.7%
Tennessee $1,124 -$160 -12.5%
Texas $1,548 $264 20.6%
Utah $950 -$334 -26.0%
Vermont $878 -$406 -31.6%
Virginia $768 -$516 -40.2%
Washington $992 -$292 -22.7%
West Virginia $1,176 -$108 -8.4%
Wisconsin $888 -$396 -30.8%
Wyoming $1,144 -$140 -10.9%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $450 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

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 $1,178 $98
Dodge Journey SXT 2WD $1,212 $101
Dodge Journey R/T 2WD $1,284 $107
Dodge Journey SXT Crew 2WD $1,284 $107
Dodge Journey SXT AWD $1,284 $107
Dodge Journey R/T AWD $1,320 $110
Dodge Journey SXT Crew AWD $1,320 $110

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 $260 $458 $442 $1,318
2019 Dodge Journey $250 $424 $452 $1,284
2018 Dodge Journey $240 $400 $456 $1,254
2017 Dodge Journey $230 $358 $460 $1,206
2016 Dodge Journey $214 $330 $460 $1,162
2014 Dodge Journey $202 $288 $474 $1,122
2013 Dodge Journey $186 $268 $474 $1,086
2012 Dodge Journey $182 $244 $478 $1,062
2011 Dodge Journey $170 $222 $474 $1,024
2010 Dodge Journey $160 $202 $474 $994
2009 Dodge Journey $154 $182 $468 $962

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 Low Cost Dodge Journey Insurance

Getting lower rates on Dodge Journey insurance requires being a good driver, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates every year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a review of the coverage data covered in the charts and tables above.

  • It is possible to save as much as $150 per year just by quoting online in advance
  • Increasing physical damage deductibles can save approximately $450 each year
  • Drivers age 16 to 20 are charged the highest prices, as much as $410 a month if the policy includes full coverage
  • High-risk drivers who have several accidents or serious violations may pay on average $1,490 more each year than a safer driver

Rates by Driver Age

Dodge Journey Insurance Rates by Driver Age
Driver Age Premium
16 $4,918
20 $2,956
30 $1,328
40 $1,284
50 $1,174
60 $1,150

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,580
$250 $1,442
$500 $1,284
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,284
50/100 $1,410
100/300 $1,523
250/500 $1,817
100 CSL $1,456
300 CSL $1,704
500 CSL $1,885

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey Insurance Rates for High Risk Drivers
Age Premium
16 $6,992
20 $4,712
30 $2,824
40 $2,778
50 $2,652
60 $2,628

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 $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $83
Paid in Full/EFT $55
Advance Quote $62
Online Quote $90
Total Discounts $536
Rate after discounts $748

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

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