Dodge Journey Auto Insurance (2024)
Dodge Journey insurance rates cost $1,384 a year, or around $115 a month. Comprehensive, collision, and liability insurance cost around $337, $492, and $390, respectively.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,384 a year or $115 each month
- A liability-only policy costs around $555 a year or $46 each month
- Highest rates are for teenage drivers at around $5,059 a year or $422 each month
- Good drivers can save as much as $571 a year by earning policy discounts
- Dodge Journey insurance costs around $135 less per year than the average vehicle
You can save up to $135 per year when your insure a Dodge Journey. Dodge Journey insurance rates are $115 per month for full coverage and $46 per month for liability-only coverage. Continue reading to learn how you save money on Dodge Journey insurance rates.
You can start comparing quotes for Dodge Journey auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Dodge Journey Insurance Cost
The average Dodge auto insurance rates for a Dodge Journey cost $1,384 a year or $115 a month.
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Are Dodge Journeys Expensive to Insure?
The chart below details how Dodge Journey insurance rates compare to other SUVs like the Toyota Highlander, Mitsubishi Outlander Sport, and Volkswagen Atlas.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Dodge Journey | $322 | $532 | $372 | $1,384 |
| Toyota Highlander | $332 | $512 | $390 | $1,392 |
| Mitsubishi Outlander Sport | $280 | $512 | $332 | $1,260 |
| Volkswagen Atlas | $358 | $690 | $390 | $1,596 |
| Lexus LX 570 | $444 | $834 | $398 | $1,834 |
| Chevrolet Traverse | $336 | $470 | $316 | $1,258 |
| Volvo XC60 | $306 | $536 | $338 | $1,316 |
However, there are a few things you can do to find the cheapest Dodge insurance rates online.
What Impacts the Cost of Dodge Journey Insurance?
The Dodge Journey trim and model you choose will affect the total price you will pay for Dodge Journey insurance coverage.
Age of the Vehicle
Older Dodge Journey models generally cost less to insure. For example, auto insurance for a 2020 Dodge Journey costs $1,384, while 2010 Dodge Journey insurance costs are $1,138, a difference of $246.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Dodge Journey | $322 | $532 | $372 | $1,384 |
| 2019 Dodge Journey | $306 | $512 | $390 | $1,366 |
| 2018 Dodge Journey | $294 | $506 | $398 | $1,356 |
| 2017 Dodge Journey | $284 | $494 | $416 | $1,352 |
| 2016 Dodge Journey | $274 | $474 | $430 | $1,336 |
| 2015 Dodge Journey | $260 | $458 | $442 | $1,318 |
| 2014 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2013 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2012 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2011 Dodge Journey | $214 | $330 | $460 | $1,162 |
| 2010 Dodge Journey | $206 | $310 | $464 | $1,138 |
Driver Age
Driver age can have a significant impact on Dodge Journey auto insurance rates. For example, 20-year-old drivers pay approximately $1,693 more each year for their Dodge Journey auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Dodge Journey insurance rates. For example, drivers in New York may pay $845 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Dodge Journey auto insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Journey auto insurance rates with violations on their driving record.
Dodge Journey Safety Ratings
Your Dodge Journey auto insurance rates are influenced by the Dodge Journey’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Poor |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Dodge Journey Crash Test Ratings
If the Dodge Journey crash test ratings are good, you could have lower Dodge Journey auto insurance rates. See Dodge Journey crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Dodge Journey Safety Features
Having a variety of safety features on your Dodge Journey can help lower your insurance costs. According to AutoBlog, the 2020 Dodge Journey’s safety features include:
-
2020 Dodge Journey Safety Features
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
Dodge Journey Insurance Loss Probability
Another contributing factor that plays a direct role in Dodge Journey insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -20% |
|---|---|
| Property Damage | -8% |
| Comprehensive | -20% |
| Personal Injury | 48% |
| Medical Payment | 63% |
| Bodily Injury | 31% |
| Source: Insurance Institute for Highway Safety | |
Dodge Journey Finance and Insurance Cost
If you are financing a Dodge Journey, most lenders will require your carry higher Dodge Journey coverage options including comprehensive coverage, so be sure to shop around and compare Dodge Journey auto insurance rates from the best companies using our FREE tool below.
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5 Ways to Save on Dodge Journey Insurance
Save more on your Dodge Journey auto insurance rates. Take a look at the following five strategies that will get you the best Dodge Journey auto insurance rates possible.
- Understand that Insurance Companies Can’t Change Your Dodge Journey Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
- Reduce Your Coverage on an Older Dodge Journey
- Ask About Retiree Discounts
- Ask About Seasonal Insurance for Your Dodge Journey
- Be Picky About Who Drives Your Dodge Journey
Top Dodge Journey Insurance Companies
The best auto insurance companies for Dodge Journey insurance rates will offer competitive rates, discounts, and account for the Dodge Journey’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What factors can affect the cost of auto insurance for a Dodge Journey?
Several factors can influence the cost of auto insurance for a Dodge Journey, including the driver’s age, driving history, location, annual mileage, coverage limits, deductibles, and the specific model year and trim level of the vehicle.
Are Dodge Journeys considered expensive to insure?
The insurance cost for a Dodge Journey can vary depending on the factors mentioned earlier. Generally, mid-size SUVs like the Dodge Journey tend to have reasonable insurance rates compared to luxury or sports vehicles. However, rates can still vary significantly depending on individual circumstances and insurance providers.
What are the pros of insuring a Dodge Journey?
- Affordable rates: Generally, mid-size SUVs like the Dodge Journey have reasonable insurance rates compared to more expensive vehicle types.
- Safety features: The Dodge Journey often comes equipped with safety features such as airbags, anti-lock brakes, stability control, and more, which can help lower insurance premiums.
- Versatility: The Dodge Journey’s versatility as a family-friendly vehicle may be viewed positively by insurers.
Are there any cons associated with insuring a Dodge Journey?
- Relatively higher theft rates: Depending on the area, Dodge Journeys may have a higher risk of theft compared to some other vehicle types, which can lead to slightly higher insurance premiums.
- Repair costs: The cost of repairs and parts for the Dodge Journey may be higher compared to other mid-size SUVs, which can potentially impact insurance premiums.
How can I potentially lower insurance costs for my Dodge Journey?
To help lower insurance costs for your Dodge Journey, you can consider the following:
- Maintain a clean driving record.
- Opt for a higher deductible if financially feasible.
- Install anti-theft devices or security systems in your vehicle.
- Inquire about potential discounts, such as multi-policy discounts or safe driver discounts.
- Compare insurance quotes from different providers to find the most competitive rate.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.