2025 Car Insurance Prices: Dodge Journey Rates and Rankings

How much does Dodge Journey car insurance cost? We analyze average rates from the base SE model up to the GT AWD trim level to see how rates measure up against other midsize SUVs.

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How much does Dodge Journey insurance cost?

Plan on paying approximately $1,974 annually for full-coverage insurance on a Dodge Journey, which is the equivalent of $165 a month.

Depending on the trim level being insured, monthly car insurance rates for a 2020 Dodge Journey range from $157 to $172, with the SE Value 2WD being cheapest and the Crossroad 2WD costing the most to insure.

When broken down by individual policy coverages, comprehensive (or other-than-collision) coverage is about $416 a year, collision coverage is approximately $750, and the remaining liability/medical (or PIP) coverage is approximately $808.

The following chart demonstrates average car insurance rates for a 2020 Dodge Journey rated for different driver ages and risk profiles.

Average 2020 Dodge Journey insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Dodge Journey insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Dodge Journey with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Dodge Journey trim levels.

2020 Dodge Journey Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,578$382
Safe Driver Age 20$3,998$333
At-fault Accidents Age 40$2,836$236
Low Deductibles Age 40$2,488$207
Safe Driver Age 30$2,094$175
Safe Driver Age 40$1,974$165
Safe Driver Age 50$1,766$147
High Deductibles Age 40$1,710$143
Safe Driver Age 60$1,652$138
Discount Rate Age 40$1,636$136

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2020 Dodge Journey trim levels. Updated June 26, 2025

To give you a better idea of how much variability there is in insurance cost, keep in mind that liability-only coverage for a Journey in the most affordable parts of Indiana or Ohio costs as little as $218 a year. For an identical Journey, a newly-licensed teen driver with a tendency to speed in some urban areas in Pennsylvania could receive a car insurance bill for $14,908 a year for a full coverage policy.

Some other important observations include:

  • Raise your credit score for cheaper rates. In states that allow credit history to be used in determining insurance rates, having an excellent credit score over 800 could see savings of $310 per year when compared to a credit score ranging from 670-739. Conversely, a poor credit rating could cost as much as $359 more per year.
  • Negligent driving raises insurance rates. Multiple at-fault accidents raise rates, possibly by an extra $2,884 per year for a 20-year-old driver and as much as $862 per year for a 40-year-old driver.
  • Teenage drivers are expensive to insure. Average rates for full coverage Journey car insurance costs $7,309 per year for a 16-year-old driver, $7,009 per year for a 17-year-old driver, and $6,146 per year for an 18-year-old driver.
  • Gender affects car insurance rates. For a 2020 Dodge Journey, a 20-year-old male will pay an average rate of $3,998 per year, while a 20-year-old woman pays an average of $2,876, a difference of $1,122 per year in favor of the women by a long shot. But by age 50, the rate for males is $1,766 and female rates are $1,712, a difference of only $54.
  • High-risk drivers pay a lot more for insurance. For a 50-year-old driver, having to buy a high-risk policy due to excessive accidents and/or violations could end up with a rate increase of $2,384 or more per year.

Are Dodge Journey insurance rates expensive?

The Dodge Journey ranks 12th out of 28 total vehicles in the 2020 midsize SUV segment. The Journey costs an average of $1,974 per year to insure for full coverage, while the segment median average cost is $2,035 per year, a difference of only $61 per year.

When compared to the best-selling models in the midsize SUV segment, car insurance for a Dodge Journey costs $288 less per year than the Jeep Grand Cherokee, $166 less than the Toyota Highlander, $16 more than the Ford Explorer, and $344 less than the Jeep Cherokee.

The table below shows how auto insurance rates for the Journey compare to other popular midsize SUVs like the Kia Telluride and the GMC Acadia.

Insurance Cost Comparison: Dodge Journey vs Midsize SUVs
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
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 vehicle from the 2020 model year. Updated June 26, 2025

At $1,974 per year, insurance cost for a 2020 Dodge Journey ranks 12th out of 28 models in the midsize SUV segment
At $1,974 per year, insurance cost for a 2020 Dodge Journey ranks 12th out of 28 models in the midsize SUV segment

Dodge Journey prior model year insurance rates

The following sections detail Dodge Journey insurance rates for every trim level for the 2013 to 2019 model years. 2020 Dodge Journey rates are detailed in the prior sections.

2019 Model Year

Insurance rates for a 2019 Dodge Journey average $1,942 per year, or about $162 per month. Rates range from $1,790 per year for the Journey SE 2WD to $2,086 for the Journey GT AWD.

2019 Dodge Journey Insurance Cost by Trim Level
2019 Dodge Journey Trim Level Annual Premium Cost Per Month
SE 2WD$1,790$149
SE Value 2WD$1,790$149
Crossroad 2WD$1,908$159
SE AWD$1,908$159
Crossroad AWD$2,028$169
GT 2WD$2,086$174
GT AWD$2,086$174

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2019 Dodge Journey ranging from the SE 2WD model at $1,790 per year to the GT AWD model at $2,086
Insurance cost by trim level for a 2019 Dodge Journey ranging from the SE 2WD model at $1,790 per year to the GT AWD model at $2,086

2018 Model Year

2018 Dodge Journey insurance rates average $1,868 per year, or around $156 per month. Cost ranges from $1,712 per year for the Journey SE 2WD to $1,992 for the Journey GT AWD.

2018 Dodge Journey Insurance Cost by Trim Level
2018 Dodge Journey Trim Level Annual Premium Cost Per Month
SE 2WD$1,712$143
SXT 2WD$1,768$147
Crossroad 2WD$1,824$152
SE AWD$1,824$152
SXT AWD$1,880$157
Crossroad AWD$1,936$161
GT 2WD$1,936$161
R/T 2WD$1,936$161
GT AWD$1,992$166

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2018 Dodge Journey ranging from the SE 2WD model at $1,712 per year to the GT AWD model at $1,992
Insurance cost by trim level for a 2018 Dodge Journey ranging from the SE 2WD model at $1,712 per year to the GT AWD model at $1,992

2017 Model Year

A 2017 Dodge Journey averages $1,794 per year for full coverage insurance, or around $150 per month. Rates range from $1,616 per year for the Journey SE 2WD to $1,932 for the Journey GT AWD.

2017 Dodge Journey Insurance Cost by Trim Level
2017 Dodge Journey Trim Level Annual Premium Cost Per Month
SE 2WD$1,616$135
SXT 2WD$1,722$144
Crossroad 2WD$1,774$148
SE AWD$1,774$148
Crossroad AWD$1,828$152
SXT AWD$1,828$152
GT 2WD$1,880$157
GT AWD$1,932$161

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2017 Dodge Journey ranging from the SE 2WD model at $1,616 per year to the GT AWD model at $1,932
Insurance cost by trim level for a 2017 Dodge Journey ranging from the SE 2WD model at $1,616 per year to the GT AWD model at $1,932

2016 Model Year

Average insurance cost for a 2016 Dodge Journey is $1,572 per year, or around $131 per month. Rates range from $1,410 per year for the Journey SE 2WD to $1,698 for the Journey R/T AWD.

2016 Dodge Journey Insurance Cost 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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2016 Dodge Journey ranging from the SE 2WD model at $1,410 per year to the R/T AWD model at $1,698
Insurance cost by trim level for a 2016 Dodge Journey ranging from the SE 2WD model at $1,410 per year to the R/T AWD model at $1,698

2015 Model Year

Insurance rates average $1,550 per year for a 2015 Dodge Journey, or around $129 per month. Rates range from $1,376 per year for the Journey SE 2WD to $1,646 for the Journey R/T AWD.

2015 Dodge Journey Insurance Cost by Trim Level
2015 Dodge Journey Trim Level Annual Premium Cost Per Month
SE 2WD$1,376$115
SXT 2WD$1,464$122
Crossroad 2WD$1,498$125
SE AWD$1,504$125
SXT AWD$1,552$129
R/T 2WD$1,598$133
Limited 2WD$1,602$134
Crossroad AWD$1,608$134
Limited AWD$1,640$137
R/T AWD$1,646$137

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2015 Dodge Journey ranging from the SE 2WD model at $1,376 per year to the R/T AWD model at $1,646
Insurance cost by trim level for a 2015 Dodge Journey ranging from the SE 2WD model at $1,376 per year to the R/T AWD model at $1,646

2014 Model Year

Average insurance cost for a 2014 Dodge Journey is $1,460 per year, or around $122 per month. Rates range from $1,296 per year for the Journey SE 2WD to $1,550 for the Journey R/T AWD.

2014 Dodge Journey Insurance Cost by Trim Level
2014 Dodge Journey Trim Level Annual Premium Cost Per Month
SE 2WD$1,296$108
SXT 2WD$1,380$115
Crossroad 2WD$1,424$119
SE AWD$1,424$119
SXT AWD$1,466$122
Crossroad AWD$1,508$126
Limited 2WD$1,508$126
R/T 2WD$1,508$126
Limited AWD$1,550$129
R/T AWD$1,550$129

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2014 Dodge Journey ranging from the SE 2WD model at $1,296 per year to the R/T AWD model at $1,550
Insurance cost by trim level for a 2014 Dodge Journey ranging from the SE 2WD model at $1,296 per year to the R/T AWD model at $1,550

2013 Model Year

Insurance rates for a 2013 Dodge Journey average $1,420 per year, or about $118 per month. Rates range from $1,286 per year for the Journey AVP 2WD to $1,524 for the Journey R/T AWD.

2013 Dodge Journey Insurance Cost by Trim Level
2013 Dodge Journey Trim Level Annual Premium Cost Per Month
AVP 2WD$1,286$107
SE 2WD$1,324$110
SXT 2WD$1,366$114
Crew 2WD$1,446$121
SXT AWD$1,446$121
Crew AWD$1,484$124
R/T 2WD$1,484$124
R/T AWD$1,524$127

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2013 Dodge Journey ranging from the AVP 2WD model at $1,286 per year to the R/T AWD model at $1,524
Insurance cost by trim level for a 2013 Dodge Journey ranging from the AVP 2WD model at $1,286 per year to the R/T AWD model at $1,524

Dodge Journey insurance rates by location

Insurance rates on a Journey can range from lower rates like $1,536 a year in Raleigh, NC, or $1,658 in Charlotte, NC, to higher rates such as $3,826 a year in Detroit, MI, and $2,904 in Los Angeles.

Some additional rates in other locations include Phoenix, AZ, at $2,230 per year, San Antonio, TX, costing $1,982, Austin, TX, averaging $1,916, and Jacksonville, FL, at $2,070.

The bar chart below illustrates average Dodge Journey insurance policy costs for the thirty largest metro areas in the United States.

Average car insurance rates for a 2020 Dodge Journey in larger U.S. cities.
Figure 2: Average car insurance rates for a 2020 Dodge Journey in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2020 Dodge Journey assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Dodge Journey Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$3,206$267
Philadelphia, PA$2,916$243
Las Vegas, NV$2,910$243
Los Angeles, CA$2,904$242
San Francisco, CA$2,598$217
Kansas City, MO$2,380$198
Oklahoma City, OK$2,380$198
Denver, CO$2,342$195
Memphis, TN$2,342$195
Atlanta, GA$2,322$194
San Jose, CA$2,276$190
Phoenix, AZ$2,230$186
Portland, OR$2,210$184
San Diego, CA$2,200$183
Boston, MA$2,194$183
Chicago, IL$2,150$179
Dallas, TX$2,124$177
Houston, TX$2,116$176
Seattle, WA$2,114$176
Jacksonville, FL$2,070$173
Nashville, TN$2,058$172
Milwaukee, WI$2,048$171
Albuquerque, NM$2,022$169
San Antonio, TX$1,982$165
Omaha, NE$1,938$162
Fort Worth, TX$1,932$161
Austin, TX$1,916$160
Indianapolis, IN$1,802$150
Columbus, OH$1,706$142
Charlotte, NC$1,658$138

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2020 Dodge Journey and all Zip Codes in each city. Updated June 26, 2025

When looking at average Dodge Journey rates from the state level, states like Ohio ($1,642), Maine ($1,500), and Idaho ($1,666) tend to be on the lower side, while states like Michigan ($2,412), Louisiana ($2,242), and Rhode Island ($2,438) have higher rates.

The majority of states do not really fall to either extreme and tend to be closer to the national average rate of $2,221. The table below breaks down Journey insurance rates for all 50 U.S. states.

2020 Dodge Journey Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$1,938$162
Alaska$1,730$144
Arizona$1,964$164
Arkansas$2,154$180
California$2,396$200
Colorado$2,194$183
Connecticut$2,254$188
Delaware$2,290$191
Florida$2,322$194
Georgia$2,120$177
Hawaii$1,620$135
Idaho$1,666$139
Illinois$1,906$159
Indiana$1,716$143
Iowa$1,600$133
Kansas$2,064$172
Kentucky$2,192$183
Louisiana$2,242$187
Maine$1,500$125
Maryland$1,984$165
Massachusetts$2,218$185
Michigan$2,412$201
Minnesota$1,880$157
Mississippi$2,050$171
Missouri$2,276$190
Montana$1,964$164
Nebraska$1,846$154
Nevada$2,376$198
New Hampshire$1,600$133
New Jersey$2,398$200
New Mexico$1,824$152
New York$2,322$194
North Carolina$1,536$128
North Dakota$1,834$153
Ohio$1,642$137
Oklahoma$2,238$187
Oregon$1,990$166
Pennsylvania$2,028$169
Rhode Island$2,438$203
South Carolina$1,848$154
South Dakota$2,128$177
Tennessee$2,016$168
Texas$1,982$165
Utah$1,906$159
Vermont$1,686$141
Virginia$1,594$133
Washington$1,944$162
West Virginia$1,928$161
Wisconsin$1,670$139
Wyoming$1,924$160

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Average annual premium and cost per month to insure a 2020 Dodge Journey in all 50 U.S. States
Average annual premium and cost per month to insure a 2020 Dodge Journey in all 50 U.S. States