Dodge Journey Insurance – 2022 Rates and Cost Comparisons

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 $1,422 annually for full-coverage insurance on a Dodge Journey, which is the equivalent of $119 a month.

Depending on the trim level being insured, monthly car insurance rates for a 2020 Dodge Journey range from $113 to $124, 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 $296 a year, collision coverage is approximately $532, and the remaining liability/medical (or PIP) coverage is approximately $594.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: 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. Physical damage 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.Data last updated on September 8, 2022
Dodge Journey Insurance Cost Summary
Dodge Journey Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,238$270
Safe Driver Age 20$2,832$236
At-fault Accidents Age 40$2,028$169
Low Deductibles Age 40$1,788$149
Safe Driver Age 30$1,478$123
Safe Driver Age 40$1,422$119
Safe Driver Age 50$1,298$108
Safe Driver Age 60$1,274$106
High Deductibles Age 40$1,234$103
Discount Rate Age 40$1,178$98

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 $12,076 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 $223 per year when compared to a credit score ranging from 670-739. Conversely, a poor credit rating could cost as much as $259 more per year.
  • Negligent driving raises insurance rates. Multiple at-fault accidents raise rates, possibly by an extra $2,016 per year for a 20-year-old driver and as much as $606 per year for a 40-year-old driver.
  • Teenage drivers are expensive to insure. Average rates for full coverage Journey car insurance costs $5,328 per year for a 16-year-old driver, $4,922 per year for a 17-year-old driver, and $4,572 per year for a 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 $2,832 per year, while a 20-year-old woman pays an average of $2,108, a difference of $724 per year in favor of the women by a long shot. But by age 50, the rate for males is $1,298 and female rates are $1,272, a difference of only $26.
  • 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 $1,708 or more per year.

Are Dodge Journey insurance rates expensive?

The Dodge Journey ranks #12 out of 27 total vehicles in the 2020 midsize SUV segment. The Journey costs an average of $1,422 per year to insure for full coverage, while the segment median average cost is $1,453 per year, a difference of only $31 per year.

When compared to the best-selling models in the midsize SUV segment, car insurance for a Dodge Journey costs $210 less per year than the Jeep Grand Cherokee, $118 less than the Toyota Highlander, $26 more than the Ford Explorer, and $256 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/Model Insurance Cost Difference
1Ford Edge$1,232-$190
2Honda Passport$1,254-$168
3Chevrolet Blazer$1,262-$160
4Kia Telluride$1,270-$152
5Volkswagen Atlas$1,280-$142
6Subaru Ascent$1,290-$132
7Nissan Murano$1,334-$88
8Honda Pilot$1,338-$84
9Buick Enclave$1,392-$30
10Ford Explorer$1,396-$26
11Hyundai Palisade$1,396-$26
12Dodge Journey$1,422--
13Subaru Outback$1,426$4
14GMC Acadia$1,442$20
15Chevrolet Traverse$1,450$28
16Kia Sorento$1,458$36
17Toyota 4Runner$1,470$48
18Nissan Pathfinder$1,502$80
19Mazda CX-9$1,516$94
20Mitsubishi Outlander Sport$1,522$100
21Toyota Highlander$1,540$118
22Hyundai Santa Fe$1,544$122
23Dodge Durango$1,596$174
24Jeep Grand Cherokee$1,632$210
25Mitsubishi Outlander PHEV$1,668$246
26Jeep Cherokee$1,678$256
27Tesla Model Y$1,908$486

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2020 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Insurance Cost Comparison: Dodge Journey vs Midsize SUVs

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.

How much are 2019 Dodge Journey insurance rates?

Insurance rates for a 2019 Dodge Journey average $1,422 per year, or about $119 per month. Rates range from $1,310 per year for the Journey SE 2WD to $1,526 for the Journey GT AWD.

2019 Dodge Journey Insurance Cost by Trim Level
2019 Dodge Journey Trim Level Annual Rate Per Month
SE 2WD$1,310$109
SE Value 2WD$1,310$109
Crossroad 2WD$1,396$116
SE AWD$1,396$116
Crossroad AWD$1,484$124
GT 2WD$1,526$127
GT AWD$1,526$127

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Dodge Journey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2019 Dodge Journey Insurance Cost by Trim Level

How much does 2018 Dodge Journey insurance cost?

2018 Dodge Journey insurance rates average $1,400 per year, or around $117 per month. Cost ranges from $1,286 per year for the Journey SE 2WD to $1,490 for the Journey GT AWD.

2018 Dodge Journey Insurance Cost by Trim Level
2018 Dodge Journey Trim Level Annual Rate Per Month
SE 2WD$1,286$107
SXT 2WD$1,326$111
Crossroad 2WD$1,368$114
SE AWD$1,368$114
SXT AWD$1,408$117
Crossroad AWD$1,450$121
GT 2WD$1,450$121
R/T 2WD$1,450$121
GT AWD$1,490$124

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Dodge Journey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2018 Dodge Journey Insurance Cost by Trim Level

What are average 2017 Journey insurance rates?

A 2017 Dodge Journey averages $1,352 per year for full coverage insurance, or around $113 per month. Rates range from $1,218 per year for the Journey SE 2WD to $1,456 for the Journey GT AWD.

2017 Dodge Journey Insurance Cost by Trim Level
2017 Dodge Journey Trim Level Annual Rate Per Month
SE 2WD$1,218$102
SXT 2WD$1,296$108
Crossroad 2WD$1,336$111
SE AWD$1,336$111
Crossroad AWD$1,376$115
SXT AWD$1,376$115
GT 2WD$1,416$118
GT AWD$1,456$121

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Dodge Journey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2017 Dodge Journey Insurance Cost by Trim Level

How much are 2016 Journey insurance rates?

Average insurance cost for a 2016 Dodge Journey is $1,202 per year, or around $100 per month. Rates range from $1,076 per year for the Journey SE 2WD to $1,300 for the Journey R/T AWD.

2016 Dodge Journey Insurance Cost by Trim Level
2016 Dodge Journey Trim Level Annual Rate Per Month
SE 2WD$1,076$90
SXT 2WD$1,152$96
Crossroad 2WD$1,188$99
SE AWD$1,188$99
Crossroad AWD$1,226$102
SXT AWD$1,226$102
R/T 2WD$1,262$105
R/T AWD$1,300$108

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Dodge Journey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2016 Dodge Journey Insurance Cost by Trim Level

What does a 2015 Dodge Journey cost to insure?

Insurance rates average $1,204 per year for a 2015 Dodge Journey, or around $100 per month. Rates range from $1,068 per year for the Journey SE 2WD to $1,278 for the Journey R/T AWD.

2015 Dodge Journey Insurance Cost by Trim Level
2015 Dodge Journey Trim Level Annual Rate Per Month
SE 2WD$1,068$89
SXT 2WD$1,136$95
Crossroad 2WD$1,174$98
SE AWD$1,174$98
SXT AWD$1,208$101
Crossroad AWD$1,242$104
Limited 2WD$1,242$104
R/T 2WD$1,242$104
Limited AWD$1,278$107
R/T AWD$1,278$107

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Dodge Journey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2015 Dodge Journey Insurance Cost by Trim Level

What does a 2014 Dodge Journey cost to insure?

Average insurance cost for a 2014 Dodge Journey is $1,130 per year, or around $94 per month. Rates range from $1,004 per year for the Journey SE 2WD to $1,198 for the Journey R/T AWD.

2014 Dodge Journey Insurance Cost by Trim Level
2014 Dodge Journey Trim Level Annual Rate Per Month
SE 2WD$1,004$84
SXT 2WD$1,068$89
Crossroad 2WD$1,100$92
SE AWD$1,100$92
SXT AWD$1,134$95
Crossroad AWD$1,166$97
Limited 2WD$1,166$97
R/T 2WD$1,166$97
Limited AWD$1,198$100
R/T AWD$1,198$100

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2014 Dodge Journey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2014 Dodge Journey Insurance Cost by Trim Level

How much does 2013 Journey insurance cost?

Insurance rates for a 2013 Dodge Journey average $1,092 per year, or about $91 per month. Rates range from $992 per year for the Journey AVP 2WD to $1,172 for the Journey R/T AWD.

2013 Dodge Journey Insurance Cost by Trim Level
2013 Dodge Journey Trim Level Annual Rate Per Month
AVP 2WD$992$83
SE 2WD$1,022$85
SXT 2WD$1,054$88
Crew 2WD$1,112$93
SXT AWD$1,112$93
Crew AWD$1,142$95
R/T 2WD$1,142$95
R/T AWD$1,172$98

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2013 Dodge Journey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2013 Dodge Journey Insurance Cost by Trim Level

Are Journey insurance rates affected by where I live?

Insurance rates on a Journey can range from lower rates like $886 a year in Raleigh, NC, or $1,016 in Charlotte, NC, to higher rates such as $5,560 a year in Detroit, MI, and $2,354 in Los Angeles. Some additional rates in other locations include Phoenix, AZ, at $1,632 per year, San Antonio, TX, costing $1,358, Austin, TX, averaging $1,292, and Jacksonville, FL, at $2,012.

The bar chart below illustrates average Dodge Journey insurance policy costs for 15 large metro areas in the United States.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2020 Dodge Journey, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Dodge Journey trim levels.Data last updated on September 8, 2022
Dodge Journey Insurance Rates in Large U.S. Cities
Dodge Journey Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,680$223
Philadelphia, PA$2,366$197
Los Angeles, CA$2,354$196
San Francisco, CA$2,026$169
Jacksonville, FL$2,012$168
San Jose, CA$1,676$140
Phoenix, AZ$1,632$136
San Diego, CA$1,594$133
Chicago, IL$1,544$129
Dallas, TX$1,518$127
Houston, TX$1,510$126
Indianapolis, IN$1,432$119
San Antonio, TX$1,358$113
Austin, TX$1,292$108
Columbus, OH$1,068$89

Which state is most affordable for Dodge Journey insurance?

When looking at average Dodge Journey rates from the state level, states like Ohio ($826), Maine ($982), and Idaho ($1,120) tend to be on the lower side, while states like Michigan ($2,262), Louisiana ($2,058), and Rhode Island ($1,672) 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 $1,567. The table below breaks down Journey insurance rates for all 50 U.S. states.

Dodge Journey Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,156$578$96
Alaska$1,248$624$104
Arizona$1,262$631$105
Arkansas$1,520$760$127
California$1,628$814$136
Colorado$1,516$758$126
Connecticut$1,376$688$115
Delaware$1,442$721$120
Florida$2,074$1,037$173
Georgia$1,372$686$114
Hawaii$962$481$80
Idaho$1,120$560$93
Illinois$1,146$573$96
Indiana$1,060$530$88
Iowa$1,028$514$86
Kansas$1,432$716$119
Kentucky$1,652$826$138
Louisiana$2,058$1,029$172
Maine$982$491$82
Maryland$1,280$640$107
Massachusetts$1,164$582$97
Michigan$2,262$1,131$189
Minnesota$1,248$624$104
Mississippi$1,340$670$112
Missouri$1,508$754$126
Montana$1,382$691$115
Nebraska$1,356$678$113
Nevada$1,556$778$130
New Hampshire$858$429$72
New Jersey$1,340$670$112
New Mexico$1,136$568$95
New York$1,512$756$126
North Carolina$902$451$75
North Dakota$1,180$590$98
Ohio$826$413$69
Oklahoma$1,382$691$115
Oregon$1,190$595$99
Pennsylvania$1,194$597$100
Rhode Island$1,672$836$139
South Carolina$1,308$654$109
South Dakota$1,286$643$107
Tennessee$1,124$562$94
Texas$1,338$669$112
Utah$1,172$586$98
Vermont$942$471$79
Virginia$916$458$76
Washington$1,076$538$90
West Virginia$1,276$638$106
Wisconsin$962$481$80
Wyoming$1,304$652$109

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Dodge Journey, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Dodge Journey trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on September 8, 2022
Dodge Journey insurance rates by U.S. state