Dodge Journey Insurance Rates

The average insurance prices for a Dodge Journey are $1,284 every 12 months including full coverage. Comprehensive insurance costs an estimated $250 each year, collision costs $424, and liability costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing $2,778 or more. Teenage drivers cost the most to insure at $4,918 a year or more.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Journey models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

The examples above highlight why all drivers should compare prices for a targeted area 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.

Rate Comparisons

The chart below breaks down estimated Dodge Journey insurance rates for other coverage scenarios.

• The best discount rate is $748
• Using higher $1,000 deductibles will save approximately $152 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,284
• Using low deductibles for physical damage coverage costs an extra $296 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,778 or more
• Policy cost to insure a 16-year-old driver can cost as much as $4,918 or more

View Chart as Image

Auto insurance rates for a Dodge Journey also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $450 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Low Cost Dodge Journey Insurance

Finding cheaper rates on insurance for a Dodge Journey requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below is a review of the material that was touched on above.

• Insureds who want higher levels of liability will pay an extra $500 per year to increase from a 30/60 limit to a 250/500 level
• Teenage drivers are the costliest to insure, with premiums being up to $410 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,490 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $450 each year