Dodge Journey Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 16, 2021

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Dodge Journey insurance

Average insurance rates for a Dodge Journey are $1,356 a year for full coverage. Comprehensive costs on average $294 a year, collision costs $506, and liability insurance costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing around $2,928. Teen drivers receive the highest rates at $5,060 a year or more.

Average premium for full coverage: $1,356

Rate estimates by individual coverage type:

Comprehensive $294
Collision $506
Liability $398

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Journey trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $460 for only liability insurance to a high of $2,928 for a high risk driver.

Liability Only $460
Full Coverage $1,356
High Risk $2,928

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,017
Small Cities $1,424
Large Cities $1,831

These examples show why it is important to compare rates based on a specific location and risk profile, 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.

Insurance Rate Analysis

The chart below shows estimated Dodge Journey insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $786
  • Drivers who choose higher $1,000 deductibles will pay around $1,176 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,356
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,710
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,928 or more
  • The cost for full coverage for a teen driver may cost $5,060 a year

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing full coverage Dodge Journey insurance rates range from $786 to $5,060

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

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age

Where you live makes a big difference in Dodge Journey insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,940 on average in Michigan, Louisiana, and New York.

Dodge Journey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,228 -$128 -9.4%
Alaska $1,042 -$314 -23.2%
Arizona $1,126 -$230 -17.0%
Arkansas $1,356 -$0 0.0%
California $1,548 $192 14.2%
Colorado $1,296 -$60 -4.4%
Connecticut $1,396 $40 2.9%
Delaware $1,536 $180 13.3%
Florida $1,700 $344 25.4%
Georgia $1,254 -$102 -7.5%
Hawaii $976 -$380 -28.0%
Idaho $920 -$436 -32.2%
Illinois $1,014 -$342 -25.2%
Indiana $1,022 -$334 -24.6%
Iowa $916 -$440 -32.4%
Kansas $1,292 -$64 -4.7%
Kentucky $1,854 $498 36.7%
Louisiana $2,010 $654 48.2%
Maine $838 -$518 -38.2%
Maryland $1,118 -$238 -17.6%
Massachusetts $1,088 -$268 -19.8%
Michigan $2,358 $1,002 73.9%
Minnesota $1,136 -$220 -16.2%
Mississippi $1,628 $272 20.1%
Missouri $1,206 -$150 -11.1%
Montana $1,458 $102 7.5%
Nebraska $1,072 -$284 -20.9%
Nevada $1,628 $272 20.1%
New Hampshire $980 -$376 -27.7%
New Jersey $1,518 $162 11.9%
New Mexico $1,204 -$152 -11.2%
New York $1,432 $76 5.6%
North Carolina $784 -$572 -42.2%
North Dakota $1,110 -$246 -18.1%
Ohio $938 -$418 -30.8%
Oklahoma $1,396 $40 2.9%
Oregon $1,244 -$112 -8.3%
Pennsylvania $1,296 -$60 -4.4%
Rhode Island $1,812 $456 33.6%
South Carolina $1,232 -$124 -9.1%
South Dakota $1,146 -$210 -15.5%
Tennessee $1,190 -$166 -12.2%
Texas $1,636 $280 20.6%
Utah $1,006 -$350 -25.8%
Vermont $930 -$426 -31.4%
Virginia $812 -$544 -40.1%
Washington $1,052 -$304 -22.4%
West Virginia $1,244 -$112 -8.3%
Wisconsin $940 -$416 -30.7%
Wyoming $1,210 -$146 -10.8%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Choosing high deductibles could save up to $540 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $358 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,274 $106
Dodge Journey R/T 2WD $1,356 $113
Dodge Journey SXT Crew 2WD $1,356 $113
Dodge Journey SXT AWD $1,356 $113
Dodge Journey R/T AWD $1,398 $117
Dodge Journey SXT Crew AWD $1,398 $117

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 $294 $506 $398 $1,356
2018 Dodge Journey $274 $474 $430 $1,336
2017 Dodge Journey $260 $458 $442 $1,318
2014 Dodge Journey $230 $358 $460 $1,206
2013 Dodge Journey $214 $330 $460 $1,162
2012 Dodge Journey $206 $310 $464 $1,138
2011 Dodge Journey $202 $288 $474 $1,122
2010 Dodge Journey $186 $268 $474 $1,086
2009 Dodge Journey $182 $244 $478 $1,062

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 Cheaper Dodge Journey Insurance

Saving money on Dodge Journey insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $525 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $440 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $422 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,570 more each year for insurance

Rates by Driver Age

Dodge Journey Insurance Rates by Driver Age
Driver Age Premium
16 $5,060
20 $3,126
30 $1,418
40 $1,356
50 $1,240
60 $1,216

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,710
$250 $1,546
$500 $1,356
$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 $1,356
50/100 $1,478
100/300 $1,577
250/500 $1,836
100 CSL $1,517
300 CSL $1,736
500 CSL $1,896

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey Insurance Rates for High Risk Drivers
Age Premium
16 $7,210
20 $4,964
30 $2,992
40 $2,928
50 $2,794
60 $2,770

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 $70
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 $570
Rate after discounts $786

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

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