Dodge Journey Insurance Rates
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Michelle Robbins
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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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U.S. average insurance prices for a Dodge Journey are $1,254 every 12 months with full coverage. Comprehensive costs approximately $240 each year, collision costs $400, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing around $2,710. Teenage drivers pay the highest rates at $4,828 a year or more.
Average premium for full coverage: $1,254
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Journey models.
Price Range from Low to High
For a driver in their 40's, Dodge Journey insurance prices go from the cheapest price of $508 for just liability coverage to a high rate of $2,710 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities.
The graphic below illustrates how location helps determine auto insurance prices.
The ranges above demonstrate why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.
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.
Detailed Rate Analysis
The chart below details estimated Dodge Journey insurance rates for additional coverage and risk scenarios.
- The best discount rate is $733
- Choosing higher $1,000 deductibles can save $146 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,254
- Using low deductibles for comp and collision coverage increases the price to $1,534
- Higher-risk drivers who are prone to accidents and violations could pay around $2,710 or more
- The price to insure a 16-year-old driver can cost $4,828 each year
Car insurance prices for a Dodge Journey are also quite variable based on deductibles and policy limits, your driving record, and the model of your Journey.
Using high physical damage deductibles can save as much as $430 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,690 on average in New York, Michigan, and Florida.
| 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% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.
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 Shop for Affordable Dodge Journey Insurance
Getting lower rates on insurance for a Dodge Journey takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a brief review of the ideas that were covered in the charts and tables above.
- Teenage drivers pay the highest auto insurance prices, costing up to $402 a month if the policy includes full coverage
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,460 more per year for auto insurance
- Increasing physical damage deductibles could save as much as $425 each year
- You may be able to save around $150 per year simply by quoting online in advance
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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