Dodge Journey Insurance Rates
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UPDATED: Nov 16, 2021
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U.S. average insurance prices for a Dodge Journey are $1,352 every 12 months including full coverage. Comprehensive costs around $284, collision insurance costs $494, and liability costs $416. Liability-only coverage costs as little as $474 a year, and high-risk coverage costs around $2,924. Teen drivers pay the highest rates at up to $5,080 a year.
Average premium for full coverage: $1,352
Price estimates for individual coverage:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Journey trim levels.
Price Range from Low to High
For the normal driver, Dodge Journey insurance prices range from the cheapest price of $474 for just liability insurance to a much higher rate of $2,924 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of making a decision based on 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.
More Rate Details
The chart below breaks down average Dodge Journey insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $781
- Drivers who choose higher $1,000 deductibles will pay about $176 every year
- The average price for the average middle-age driver using $500 deductibles is $1,352
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,696
- Drivers with multiple violations and an at-fault accident could pay at least $2,924
- The price to insure a 16-year-old driver with full coverage can be $5,080 a year
Auto 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 could save up to $520 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $5,000 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 $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can cost from 43% to 132% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,930 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,222 | -$130 | -9.6% |
| Alaska | $1,040 | -$312 | -23.1% |
| Arizona | $1,124 | -$228 | -16.9% |
| Arkansas | $1,352 | -$0 | 0.0% |
| California | $1,542 | $190 | 14.1% |
| Colorado | $1,294 | -$58 | -4.3% |
| Connecticut | $1,392 | $40 | 3.0% |
| Delaware | $1,532 | $180 | 13.3% |
| Florida | $1,694 | $342 | 25.3% |
| Georgia | $1,248 | -$104 | -7.7% |
| Hawaii | $972 | -$380 | -28.1% |
| Idaho | $916 | -$436 | -32.2% |
| Illinois | $1,008 | -$344 | -25.4% |
| Indiana | $1,018 | -$334 | -24.7% |
| Iowa | $914 | -$438 | -32.4% |
| Kansas | $1,288 | -$64 | -4.7% |
| Kentucky | $1,846 | $494 | 36.5% |
| Louisiana | $2,002 | $650 | 48.1% |
| Maine | $836 | -$516 | -38.2% |
| Maryland | $1,116 | -$236 | -17.5% |
| Massachusetts | $1,084 | -$268 | -19.8% |
| Michigan | $2,350 | $998 | 73.8% |
| Minnesota | $1,132 | -$220 | -16.3% |
| Mississippi | $1,620 | $268 | 19.8% |
| Missouri | $1,202 | -$150 | -11.1% |
| Montana | $1,456 | $104 | 7.7% |
| Nebraska | $1,068 | -$284 | -21.0% |
| Nevada | $1,622 | $270 | 20.0% |
| New Hampshire | $974 | -$378 | -28.0% |
| New Jersey | $1,512 | $160 | 11.8% |
| New Mexico | $1,198 | -$154 | -11.4% |
| New York | $1,426 | $74 | 5.5% |
| North Carolina | $780 | -$572 | -42.3% |
| North Dakota | $1,106 | -$246 | -18.2% |
| Ohio | $936 | -$416 | -30.8% |
| Oklahoma | $1,390 | $38 | 2.8% |
| Oregon | $1,240 | -$112 | -8.3% |
| Pennsylvania | $1,290 | -$62 | -4.6% |
| Rhode Island | $1,804 | $452 | 33.4% |
| South Carolina | $1,226 | -$126 | -9.3% |
| South Dakota | $1,144 | -$208 | -15.4% |
| Tennessee | $1,184 | -$168 | -12.4% |
| Texas | $1,632 | $280 | 20.7% |
| Utah | $1,002 | -$350 | -25.9% |
| Vermont | $926 | -$426 | -31.5% |
| Virginia | $810 | -$542 | -40.1% |
| Washington | $1,048 | -$304 | -22.5% |
| West Virginia | $1,240 | -$112 | -8.3% |
| Wisconsin | $936 | -$416 | -30.8% |
| Wyoming | $1,206 | -$146 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,230 | $103 |
| Dodge Journey SXT 2WD | $1,270 | $106 |
| Dodge Journey R/T 2WD | $1,352 | $113 |
| Dodge Journey SXT Crew 2WD | $1,352 | $113 |
| Dodge Journey SXT AWD | $1,352 | $113 |
| Dodge Journey R/T AWD | $1,394 | $116 |
| Dodge Journey SXT Crew AWD | $1,394 | $116 |
Rates assume 2020 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 | $284 | $494 | $416 | $1,352 |
| 2018 Dodge Journey | $260 | $458 | $442 | $1,318 |
| 2017 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2014 Dodge Journey | $214 | $330 | $460 | $1,162 |
| 2013 Dodge Journey | $206 | $310 | $464 | $1,138 |
| 2012 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2011 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2010 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2009 Dodge Journey | $170 | $222 | $474 | $1,024 |
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 the Cheapest Dodge Journey Insurance
Getting lower rates on insurance for a Dodge Journey not only requires having a decent driving record, but also having a good credit score, being claim-free, and possibly raising deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a recap of the data that was presented in the illustrations above.
- You may be able to save up to $160 per year just by shopping early and online
- Insureds who may need additional liability coverage will pay about $460 per year to go from a low limit to a 250/500 level
- 16 to 18-year-old drivers are expensive to insure, possibly costing $423 a month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,570 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,080 |
| 20 | $3,116 |
| 30 | $1,408 |
| 40 | $1,352 |
| 50 | $1,236 |
| 60 | $1,212 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,696 |
| $250 | $1,538 |
| $500 | $1,352 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,352 |
| 50/100 | $1,477 |
| 100/300 | $1,581 |
| 250/500 | $1,852 |
| 100 CSL | $1,519 |
| 300 CSL | $1,748 |
| 500 CSL | $1,914 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,236 |
| 20 | $4,960 |
| 30 | $2,986 |
| 40 | $2,924 |
| 50 | $2,790 |
| 60 | $2,764 |
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 | $72 |
| Multi-vehicle | $71 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $96 |
| Total Discounts | $571 |
Discounts are estimated and may not be available from every company or in every state.
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