Dodge Journey Insurance Rates

U.S. average insurance prices for a Dodge Journey are $1,254 every 12 months including full coverage. Comprehensive insurance costs around $240 a year, collision costs $400, and liability is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $2,710 or more. Teen drivers pay the highest rates at $4,828 a year or more.

Average premium for full coverage: $1,254

Price estimates for individual coverage:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Journey trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

The ranges above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $733
• Raising to $1,000 deductibles will save about $1,108 every year
• The average price for the average middle-age driver using $500 deductibles is $1,254
• Choosing low $100 deductibles costs an extra $280 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,710 or more
• The price to insure a teen driver can be $4,828

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

Choosing high deductibles can reduce prices by up to $430 every year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 133% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Dodge Journey insurance prices. A middle-age driver might find prices as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,790 on average in Michigan, New York, and Louisiana.

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Since prices can be so different, the best way to figure out your exact price is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices may be quite different.

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 Shop for Cheap Dodge Journey Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and taking advantage of discounts. Spend time shopping around at every other renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief summary of the concepts that were touched on above.

• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,460 more every year for auto insurance
• Teenage drivers are charged the highest prices, possibly costing $402 a month if full coverage is included
• You may be able to save up to $150 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $425 each year
• You may be able to save up to $150 per year simply by quoting early and online