Dodge Journey Insurance Rates
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UPDATED: Apr 3, 2024
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U.S. average insurance rates for a Dodge Journey are $1,318 a year for full coverage insurance. Comprehensive insurance costs around $260 a year, collision costs $458, and liability insurance is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $2,854 or more. Teen drivers pay the highest rates at $5,022 a year or more.
Average premium for full coverage: $1,318
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Journey trim levels.
Price Range from Low to High
For a driver around age 40, Dodge Journey insurance prices go from the low end price of $496 for a discount liability-only rate to a high of $2,854 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above illustrate why it is important to get quotes for a specific zip code, rather than relying 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.
Rates by State, City, and Model
The chart below illustrates estimated Dodge Journey insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $764
- Choosing higher $1,000 deductibles can save about $1,154 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,318
- Choosing low $100 deductibles for comp and collision coverage will cost an additional $316 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,854 or more
- The price that insures a teen driver can be $5,022 each year
Car insurance prices for a Dodge Journey are also quite variable based on the trim level of your Journey, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 136% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $5,000 a year. View Rates by Age
The state you live in plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,780 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$126 | -9.6% |
| Alaska | $1,010 | -$308 | -23.4% |
| Arizona | $1,096 | -$222 | -16.8% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,502 | $184 | 14.0% |
| Colorado | $1,258 | -$60 | -4.6% |
| Connecticut | $1,354 | $36 | 2.7% |
| Delaware | $1,492 | $174 | 13.2% |
| Florida | $1,648 | $330 | 25.0% |
| Georgia | $1,216 | -$102 | -7.7% |
| Hawaii | $946 | -$372 | -28.2% |
| Idaho | $892 | -$426 | -32.3% |
| Illinois | $982 | -$336 | -25.5% |
| Indiana | $992 | -$326 | -24.7% |
| Iowa | $888 | -$430 | -32.6% |
| Kansas | $1,252 | -$66 | -5.0% |
| Kentucky | $1,798 | $480 | 36.4% |
| Louisiana | $1,952 | $634 | 48.1% |
| Maine | $812 | -$506 | -38.4% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,056 | -$262 | -19.9% |
| Michigan | $2,288 | $970 | 73.6% |
| Minnesota | $1,102 | -$216 | -16.4% |
| Mississippi | $1,578 | $260 | 19.7% |
| Missouri | $1,168 | -$150 | -11.4% |
| Montana | $1,416 | $98 | 7.4% |
| Nebraska | $1,038 | -$280 | -21.2% |
| Nevada | $1,578 | $260 | 19.7% |
| New Hampshire | $948 | -$370 | -28.1% |
| New Jersey | $1,474 | $156 | 11.8% |
| New Mexico | $1,168 | -$150 | -11.4% |
| New York | $1,388 | $70 | 5.3% |
| North Carolina | $760 | -$558 | -42.3% |
| North Dakota | $1,078 | -$240 | -18.2% |
| Ohio | $910 | -$408 | -31.0% |
| Oklahoma | $1,354 | $36 | 2.7% |
| Oregon | $1,208 | -$110 | -8.3% |
| Pennsylvania | $1,258 | -$60 | -4.6% |
| Rhode Island | $1,758 | $440 | 33.4% |
| South Carolina | $1,192 | -$126 | -9.6% |
| South Dakota | $1,112 | -$206 | -15.6% |
| Tennessee | $1,154 | -$164 | -12.4% |
| Texas | $1,588 | $270 | 20.5% |
| Utah | $976 | -$342 | -25.9% |
| Vermont | $902 | -$416 | -31.6% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,020 | -$298 | -22.6% |
| West Virginia | $1,208 | -$110 | -8.3% |
| Wisconsin | $912 | -$406 | -30.8% |
| Wyoming | $1,174 | -$144 | -10.9% |
Choosing high deductibles can save as much as $480 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, 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 | $1,204 | $100 |
| Dodge Journey SXT 2WD | $1,242 | $104 |
| Dodge Journey R/T 2WD | $1,318 | $110 |
| Dodge Journey SXT Crew 2WD | $1,318 | $110 |
| Dodge Journey SXT AWD | $1,318 | $110 |
| Dodge Journey R/T AWD | $1,354 | $113 |
| Dodge Journey SXT Crew AWD | $1,354 | $113 |
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 | $274 | $474 | $430 | $1,336 |
| 2019 Dodge Journey | $260 | $458 | $442 | $1,318 |
| 2018 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2017 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2016 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2014 Dodge Journey | $206 | $310 | $464 | $1,138 |
| 2013 Dodge Journey | $202 | $288 | $474 | $1,122 |
| 2012 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2011 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2010 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2009 Dodge Journey | $160 | $202 | $474 | $994 |
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 Find the Best Cheap Dodge Journey Insurance
Getting lower rates on Dodge Journey insurance takes being safe and accident-free, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Shop around every year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a quick review of the coverage data covered above.
- It is possible to save up to $160 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $475 each year
- Youthful drivers are the costliest to insure, as much as $419 a month if full coverage is purchased
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,540 more every year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,022 |
| 20 | $3,040 |
| 30 | $1,366 |
| 40 | $1,318 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,634 |
| $250 | $1,486 |
| $500 | $1,318 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,442 |
| 100/300 | $1,553 |
| 250/500 | $1,840 |
| 100 CSL | $1,487 |
| 300 CSL | $1,730 |
| 500 CSL | $1,907 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,144 |
| 20 | $4,846 |
| 30 | $2,906 |
| 40 | $2,854 |
| 50 | $2,726 |
| 60 | $2,700 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $554 |
Discounts are estimated and may not be available from every company or in every state.
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