Dodge Journey Insurance Rates

Average insurance rates for a Dodge Journey are $1,254 a year for full coverage. Comprehensive insurance costs an estimated $240, collision costs $400, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing $2,710 or more. Teens receive the highest rates at $4,828 a year or more.

Average premium for full coverage: $1,254

Rate estimates broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Journey trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine insurance prices.

These examples show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $733
• Using higher $1,000 deductibles will save approximately $146 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,254
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $280 annually
• High-risk insureds with serious driving violations could pay up to $2,710 or more
• The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,828 or more

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Auto insurance rates for a Dodge Journey can also vary considerably based on your driver profile, the trim level of your Journey, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Where you live has a huge impact on Dodge Journey insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,790 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can be from 43% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to compare rates from multiple companies. Each insurance company calculates rates differently, and quoted rates can be significantly 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 Cheaper Dodge Journey Insurance

Saving money on insurance for a Dodge Journey requires having a decent driving record, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest time comparing rates at least once a year by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following items are a condensed summary of the primary concepts that were covered in the charts and tables above.

• Drivers can save approximately $150 per year simply by shopping early and online
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,460 more annually than a driver with a clean driving record
• Increasing deductibles can save around $425 each year
• 16 to 18-year-old drivers are the costliest to insure, costing as high as $402 per month if they have full coverage