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Online Dodge Journey Insurance Rates [How to Find Low Rates Online]

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.

Table of Contents

Dodge Journey Insurance Cost

The average auto insurance rates for a Dodge Journey cost $1,384 a year or $115 a month.

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
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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 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
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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
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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
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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
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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.

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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Compare Free Dodge Journey Insurance Quotes Online

Save on your Dodge Journey auto insurance rates by taking advantage of our FREE comparison tool.

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