Dodge Journey Car Insurance [Comprehensive Guide]

Average car insurance rates for a Dodge Journey cost $1,384 a year, or around $115 a month. Finding Dodge Journey teenager insurance rates can cost on average $5,059 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 17, 2020

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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

Searching for Dodge Journey insurance rates might feel like a time-consuming task that will leave you thinking that you can’t find a cheap option. But drivers pay an average of $1,384 a year, or around $115 a month for Dodge Journey car insurance rates. You have the potential to secure the cheapest Dodge Journey rates possible by educating yourself with the information in this guide.

You can start comparing quotes for Dodge Journey car insurance rates from some of the best car insurance companies by using our free online tool now.

Dodge Journey Insurance Cost

The average Dodge Journey auto insurance costs are $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 Mitsubishi Outlander Sport, Mercedes-Benz GLE 350, and Buick Enclave.

Vehicle Comprehensive Collision Liability Total
Dodge Journey $322 $532 $372 $1,384
Mitsubishi Outlander Sport $280 $512 $332 $1,260
Mercedes-Benz GLE 350 $438 $870 $390 $1,856
Buick Enclave $348 $594 $372 $1,472
Infiniti QX60 $404 $750 $372 $1,684
Jeep Compass $294 $500 $372 $1,324
Chevrolet Traverse $336 $470 $316 $1,258
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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 can impact 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, car 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
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Driver Age

Driver age can have a significant impact on the cost of Dodge Journey auto insurance. For example, 20-year-old drivers pay approximately $3,138 each year for their Dodge Journey auto insurance compared to $1,445 for 30-year-old drivers.

Driver Location

Where you live can have a large impact on Dodge Journey insurance rates. For example, drivers in Jacksonville may pay $831 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Dodge Journey car 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 tied to 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
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Dodge Journey Crash Test Ratings

Good Dodge Journey crash test ratings can lower your 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
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Dodge Journey Safety Features

The safety features of the Dodge Journey can impact your Dodge Journey car insurance rates. The Dodge Journey has the following 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

Review the Dodge Journey car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Dodge Journey auto insurance costs; higher percentages mean higher Dodge Journey auto insurance costs.

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
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Dodge Journey Finance and Insurance Cost

If you are financing a Dodge Journey, you will pay more if you purchase Dodge Journey auto insurance at the dealership, so be sure to shop around and compare Dodge Journey auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Dodge Journey Insurance

There are several ways you can save even more on your Dodge Journey car insurance rates. Take a look at the following five tips:

  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Compare Insurance Companies After Moving
  • Ask About Dodge Journey Discounts If You Were Listed on Someone Else’s Policy
  • Ask About Dodge Journey Low Mileage Discounts
  • Reduce Modifications on Your Dodge Journey

Top Dodge Journey Insurance Companies

Who is the top car insurance company for Dodge Journey insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Journey auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Journey offers.

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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Compare Free Dodge Journey Insurance Quotes Online

To start comparing Dodge Journey car insurance quotes for free, use our online car insurance comparison tool.

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Average Monthly Car Insurance Rates by State