Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,254 a year for full coverage insurance. Comprehensive costs around $240 a year, collision costs $400, and liability costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $2,710. Teenage drivers pay the most at $4,828 a year or more.

Average premium for full coverage: $1,254

Premium estimates for type of coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Journey trim levels.

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 a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $733
• Using higher $1,000 deductibles will save about $1,108 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,254
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,534
• High-risk insureds who are prone to accidents and violations could pay at least $2,710 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $4,828 or more

View Chart as Image

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

Older drivers with no violations or accidents and high 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, where even good drivers should be prepared to pay 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 $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,690 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $430 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

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

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 the Cheapest Dodge Journey Insurance

Finding better rates on insurance for a Dodge Journey requires being a good driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a recap of the data covered in the above illustrations.

• Insureds who may need an increased level of liability coverage will pay an extra $500 annually to increase from 30/60 bodily injury limits to 250/500 limits
• It is possible to save up to $150 per year simply by quoting early and online
• Increasing policy deductibles can save around $425 each year
• Drivers age 16 to 20 are charged the highest prices, with premiums being up to $402 per month including comprehensive and collision insurance