Dodge Journey Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 16, 2021

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Dodge Journey insurance

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:

Comprehensive $284
Collision $494
Liability $416

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.

Liability Only $474
Full Coverage $1,352
High Risk $2,924

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.

Rural Areas $1,014
Small Cities $1,420
Large Cities $1,825

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

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing Dodge Journey insurance rates range from $781 to $5,080 for full coverage

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.

Dodge Journey Insurance Rates by State
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%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Dodge Journey Insurance Rates by Model and Trim Level
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.

Dodge Journey Insurance Rates by Model Year
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

Rates by Driver Age

Dodge Journey Insurance 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

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,696
$250 $1,538
$500 $1,352
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
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

Dodge Journey Insurance 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.

SR-22 Surcharge $187

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
Rate after discounts $781

Discounts are estimated and may not be available from every company or in every state.

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