2020 Dodge Journey Car Insurance Calculator

Explore and understand how changes to driver risk factors and vehicle options impact car insurance rates for a 2020 Dodge Journey. Make changes to factors like coverage deductibles, age of the driver, and policy discounts to learn how each impacts cost. Immediately see how much rates change and learn exactly why.

The average estimated car insurance premium for a 2020 Dodge Journey is $1,974 per year, or about $165 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

$1,974

Cost Per Month

$165

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 2020 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.

$1,974
Average Rate
Your Rate
$1,974

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 2020 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 2020 Dodge Journey is $1,974.

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.

2020 Dodge Journey vs. the Midsize SUV Segment

The table below compares insurance rates for the 2020 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.

2020 Dodge Journey Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Edge$1,724-$250
2Honda Passport$1,752-$222
3Chevrolet Blazer$1,760-$214
4Kia Telluride$1,776-$198
5Volkswagen Atlas$1,790-$184
6Subaru Ascent$1,802-$172
7Nissan Murano$1,864-$110
8Honda Pilot$1,868-$106
9Buick Enclave$1,938-$36
10Hyundai Palisade$1,946-$28
11Ford Explorer$1,958-$16
12Dodge Journey$1,974--
13Subaru Outback$1,988$14
14GMC Acadia$2,010$36
15Chevrolet Traverse$2,024$50
16Kia Sorento$2,034$60
2020 Midsize SUV Average$2,035$61
17Toyota 4Runner$2,050$76
18Nissan Pathfinder$2,098$124
19Mazda CX-9$2,114$140
20Mitsubishi Outlander Sport$2,116$142
21Toyota Highlander$2,140$166
22Hyundai Santa Fe$2,148$174
23Dodge Durango$2,224$250
24Jeep Grand Cherokee$2,262$288
25Jeep Wrangler$2,298$324
26Jeep Cherokee$2,318$344
27Mitsubishi Outlander PHEV$2,330$356
28Tesla Model Y$2,666$692

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.

2020 Journey Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Dodge Journey Insurance Rates by Trim Level
2020 Dodge Journey Trim Level Annual Premium Cost Per Month
SE Value 2WD$1,882$157
Crossroad 2WD$2,068$172

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 2020 Dodge Journey for different driver ages.

2020 Dodge Journey Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,309$609
17$7,009$584
18$6,146$512
19$5,640$470
20$4,276$356
21$4,077$340
22$3,625$302
23$3,018$252
24$2,830$236
25$2,288$191
30$2,094$175
35$2,034$170
40$1,974$165
45$1,860$155
50$1,766$147
55$1,648$137
60$1,652$138
65$1,760$147
70$1,934$161
75$2,314$193
80$2,866$239

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.