Dodge Journey Insurance Rates
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UPDATED: Apr 3, 2024
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The average auto insurance rates for a Dodge Journey are $1,318 annually for full coverage. Comprehensive costs around $260, collision insurance costs $458, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $2,854. Teen drivers cost the most to insure at up to $5,022 a year.
Average premium for full coverage: $1,318
Policy rates for type of insurance:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Journey models.
Price Range Variability
For the average driver, Dodge Journey insurance rates range from as cheap as $496 for just the minimum liability insurance to the much higher price of $2,854 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.
The examples above show why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using price 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.
Additional Rate Analysis
The chart below shows average Dodge Journey insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $764
- Drivers who choose higher $1,000 deductibles will pay about $164 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,318
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,634
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,854
- Policy cost with full coverage for a teenage driver for full coverage can be $5,022 a year
Car insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. Dodge Journey insurance for high-risk drivers can cost around 44% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $480 a year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$126 | -9.6% |
| Alaska | $1,010 | -$308 | -23.4% |
| Arizona | $1,096 | -$222 | -16.8% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,502 | $184 | 14.0% |
| Colorado | $1,258 | -$60 | -4.6% |
| Connecticut | $1,354 | $36 | 2.7% |
| Delaware | $1,492 | $174 | 13.2% |
| Florida | $1,648 | $330 | 25.0% |
| Georgia | $1,216 | -$102 | -7.7% |
| Hawaii | $946 | -$372 | -28.2% |
| Idaho | $892 | -$426 | -32.3% |
| Illinois | $982 | -$336 | -25.5% |
| Indiana | $992 | -$326 | -24.7% |
| Iowa | $888 | -$430 | -32.6% |
| Kansas | $1,252 | -$66 | -5.0% |
| Kentucky | $1,798 | $480 | 36.4% |
| Louisiana | $1,952 | $634 | 48.1% |
| Maine | $812 | -$506 | -38.4% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,056 | -$262 | -19.9% |
| Michigan | $2,288 | $970 | 73.6% |
| Minnesota | $1,102 | -$216 | -16.4% |
| Mississippi | $1,578 | $260 | 19.7% |
| Missouri | $1,168 | -$150 | -11.4% |
| Montana | $1,416 | $98 | 7.4% |
| Nebraska | $1,038 | -$280 | -21.2% |
| Nevada | $1,578 | $260 | 19.7% |
| New Hampshire | $948 | -$370 | -28.1% |
| New Jersey | $1,474 | $156 | 11.8% |
| New Mexico | $1,168 | -$150 | -11.4% |
| New York | $1,388 | $70 | 5.3% |
| North Carolina | $760 | -$558 | -42.3% |
| North Dakota | $1,078 | -$240 | -18.2% |
| Ohio | $910 | -$408 | -31.0% |
| Oklahoma | $1,354 | $36 | 2.7% |
| Oregon | $1,208 | -$110 | -8.3% |
| Pennsylvania | $1,258 | -$60 | -4.6% |
| Rhode Island | $1,758 | $440 | 33.4% |
| South Carolina | $1,192 | -$126 | -9.6% |
| South Dakota | $1,112 | -$206 | -15.6% |
| Tennessee | $1,154 | -$164 | -12.4% |
| Texas | $1,588 | $270 | 20.5% |
| Utah | $976 | -$342 | -25.9% |
| Vermont | $902 | -$416 | -31.6% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,020 | -$298 | -22.6% |
| West Virginia | $1,208 | -$110 | -8.3% |
| Wisconsin | $912 | -$406 | -30.8% |
| Wyoming | $1,174 | -$144 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,204 | $100 |
| Dodge Journey SXT 2WD | $1,242 | $104 |
| Dodge Journey R/T 2WD | $1,318 | $110 |
| Dodge Journey SXT Crew 2WD | $1,318 | $110 |
| Dodge Journey SXT AWD | $1,318 | $110 |
| Dodge Journey R/T AWD | $1,354 | $113 |
| Dodge Journey SXT Crew AWD | $1,354 | $113 |
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 | $274 | $474 | $430 | $1,336 |
| 2019 Dodge Journey | $260 | $458 | $442 | $1,318 |
| 2018 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2017 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2016 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2014 Dodge Journey | $206 | $310 | $464 | $1,138 |
| 2013 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2012 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2011 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2010 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2009 Dodge Journey | $160 | $202 | $474 | $994 |
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
Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following list is a brief summary of the data that was touched on above.
- Drivers can save up to $160 per year just by quoting online well ahead of the renewal date
- Consumers who may need an increased level of liability coverage will pay about $490 each year to go from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are the costliest to insure, costing up to $419 each month if comprehensive and collision insurance is included
- Drivers that tend to have accidents or serious violations pay an average of $1,540 more every year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,022 |
| 20 | $3,040 |
| 30 | $1,366 |
| 40 | $1,318 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,634 |
| $250 | $1,486 |
| $500 | $1,318 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,442 |
| 100/300 | $1,553 |
| 250/500 | $1,840 |
| 100 CSL | $1,487 |
| 300 CSL | $1,730 |
| 500 CSL | $1,907 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,144 |
| 20 | $4,846 |
| 30 | $2,906 |
| 40 | $2,854 |
| 50 | $2,726 |
| 60 | $2,700 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $554 |
Discounts are estimated and may not be available from every company or in every state.
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