2016 Dodge Journey Car Insurance Calculator

Learn in real-time how decisions you make impact car insurance rates for a 2016 Dodge Journey. Customize factors such as your location, homeowner status, and credit score to see how rates are affected. Immediately see if the choice you make had an impact on rates.

The average estimated car insurance premium for a 2016 Dodge Journey is $1,572 per year, or about $131 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,572

Cost Per Month

$131

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Dodge Journey Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Dodge Journey.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,572
Average Rate
Your Rate
$1,572

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Dodge Journey trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Dodge Journey is $1,572.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Dodge Journey vs. the Midsize SUV Segment

The table below compares insurance rates for the 2016 Dodge Journey against all other models in the midsize SUV segment. The Dodge Journey is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Dodge Journey, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Dodge Journey.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Dodge Journey Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,438-$134
2Chevrolet Traverse$1,512-$60
3Ford Flex$1,544-$28
4Jeep Cherokee$1,566-$6
5Dodge Journey$1,572--
6Dodge Durango$1,590$18
7Toyota 4Runner$1,608$36
8Ford Edge$1,628$56
9Mazda CX-9$1,650$78
10Nissan Pathfinder$1,660$88
2016 Midsize SUV Average$1,667$95
11Honda Pilot$1,670$98
12Nissan Murano$1,678$106
13Jeep Grand Cherokee$1,680$108
14Hyundai Santa Fe$1,692$120
15Jeep Wrangler$1,734$162
16GMC Acadia$1,742$170
17Buick Enclave$1,750$178
18Ford Explorer$1,772$200
19Toyota Highlander$1,806$234
20Kia Sorento$1,816$244
21Volkswagen Touareg$1,892$320

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Journey Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Dodge Journey.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Dodge Journey Insurance Rates by Trim Level
2016 Dodge Journey Trim Level Annual Premium Cost Per Month
SE 2WD$1,410$118
SXT 2WD$1,506$126
Crossroad 2WD$1,554$130
SE AWD$1,554$130
Crossroad AWD$1,604$134
SXT AWD$1,604$134
R/T 2WD$1,650$138
R/T AWD$1,698$142

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Dodge Journey for different driver ages.

2016 Dodge Journey Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,745$479
17$5,494$458
18$4,792$399
19$4,418$368
20$3,355$280
21$3,201$267
22$2,848$237
23$2,389$199
24$2,240$187
25$1,818$152
30$1,660$138
35$1,620$135
40$1,572$131
45$1,480$123
50$1,410$118
55$1,312$109
60$1,316$110
65$1,398$117
70$1,538$128
75$1,838$153
80$2,262$189

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Dodge Journey trim levels.