- Dodge Journey insurance costs on average $1,600 per year ($133 per month) for a full coverage policy.
- Out of 28 vehicles in the midsize SUV segment, the Journey ranks 12th for insurance affordability.
- States like Ohio, Maine, and Idaho tend to have cheaper insurance rates for a Journey, while states like New York and Michigan tend to be higher.
How much does Dodge Journey insurance cost?
Plan on paying approximately $1,600 annually for full-coverage insurance on a Dodge Journey, which is the equivalent of $133 a month.
Depending on the trim level being insured, monthly car insurance rates for a 2020 Dodge Journey range from $127 to $140, 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 $338 a year, collision coverage is approximately $608, and the remaining liability/medical (or PIP) coverage is approximately $654.
The following chart demonstrates average car insurance rates for a 2020 Dodge Journey rated for different driver ages and risk profiles.
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 $12,464 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 $251 per year when compared to a credit score ranging from 670-739. Conversely, a poor credit rating could cost as much as $291 more per year.
- Negligent driving raises insurance rates. Multiple at-fault accidents raise rates, possibly by an extra $2,338 per year for a 20-year-old driver and as much as $696 per year for a 40-year-old driver.
- Teenage drivers are expensive to insure. Average rates for full coverage Journey car insurance costs $5,921 per year for a 16-year-old driver, $5,680 per year for a 17-year-old driver, and $4,979 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 $3,242 per year, while a 20-year-old woman pays an average of $2,332, a difference of $910 per year in favor of the women by a long shot. But by age 50, the rate for males is $1,430 and female rates are $1,388, a difference of only $42.
- 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 $1,932 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 $1,600 per year to insure for full coverage, while the segment median average cost is $1,649 per year, a difference of only $49 per year.
When compared to the best-selling models in the midsize SUV segment, car insurance for a Dodge Journey costs $246 less per year than the Jeep Grand Cherokee, $136 less than the Toyota Highlander, $22 more than the Ford Explorer, and $288 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Ford Edge | $1,400 | -$200 |
| 2 | Honda Passport | $1,420 | -$180 |
| 3 | Chevrolet Blazer | $1,428 | -$172 |
| 4 | Kia Telluride | $1,438 | -$162 |
| 5 | Volkswagen Atlas | $1,448 | -$152 |
| 6 | Subaru Ascent | $1,462 | -$138 |
| 7 | Nissan Murano | $1,510 | -$90 |
| 8 | Honda Pilot | $1,514 | -$86 |
| 9 | Buick Enclave | $1,572 | -$28 |
| 10 | Ford Explorer | $1,578 | -$22 |
| 11 | Hyundai Palisade | $1,578 | -$22 |
| 12 | Dodge Journey | $1,600 | -- |
| 13 | Subaru Outback | $1,610 | $10 |
| 14 | GMC Acadia | $1,630 | $30 |
| 15 | Chevrolet Traverse | $1,640 | $40 |
| 16 | Kia Sorento | $1,648 | $48 |
| 17 | Toyota 4Runner | $1,662 | $62 |
| 18 | Nissan Pathfinder | $1,698 | $98 |
| 19 | Mazda CX-9 | $1,712 | $112 |
| 20 | Mitsubishi Outlander Sport | $1,716 | $116 |
| 21 | Toyota Highlander | $1,736 | $136 |
| 22 | Hyundai Santa Fe | $1,740 | $140 |
| 23 | Dodge Durango | $1,800 | $200 |
| 24 | Jeep Grand Cherokee | $1,846 | $246 |
| 25 | Jeep Wrangler | $1,864 | $264 |
| 26 | Mitsubishi Outlander PHEV | $1,888 | $288 |
| 27 | Jeep Cherokee | $1,888 | $288 |
| 28 | Tesla Model Y | $2,158 | $558 |
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 February 23, 2024
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 $1,572 per year, or about $131 per month. Rates range from $1,448 per year for the Journey SE 2WD to $1,688 for the Journey GT AWD.
| 2019 Dodge Journey Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE 2WD | $1,448 | $121 |
| SE Value 2WD | $1,448 | $121 |
| Crossroad 2WD | $1,544 | $129 |
| SE AWD | $1,544 | $129 |
| Crossroad AWD | $1,640 | $137 |
| GT 2WD | $1,688 | $141 |
| GT AWD | $1,688 | $141 |
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 February 23, 2024
2018 Model Year
2018 Dodge Journey insurance rates average $1,522 per year, or around $127 per month. Cost ranges from $1,396 per year for the Journey SE 2WD to $1,622 for the Journey GT AWD.
| 2018 Dodge Journey Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE 2WD | $1,396 | $116 |
| SXT 2WD | $1,442 | $120 |
| Crossroad 2WD | $1,486 | $124 |
| SE AWD | $1,486 | $124 |
| SXT AWD | $1,532 | $128 |
| Crossroad AWD | $1,576 | $131 |
| GT 2WD | $1,576 | $131 |
| R/T 2WD | $1,576 | $131 |
| GT AWD | $1,622 | $135 |
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 February 23, 2024
2017 Model Year
A 2017 Dodge Journey averages $1,454 per year for full coverage insurance, or around $121 per month. Rates range from $1,310 per year for the Journey SE 2WD to $1,566 for the Journey GT AWD.
| 2017 Dodge Journey Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE 2WD | $1,310 | $109 |
| SXT 2WD | $1,394 | $116 |
| Crossroad 2WD | $1,438 | $120 |
| SE AWD | $1,438 | $120 |
| Crossroad AWD | $1,480 | $123 |
| SXT AWD | $1,480 | $123 |
| GT 2WD | $1,524 | $127 |
| GT AWD | $1,566 | $131 |
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 February 23, 2024
2016 Model Year
Average insurance cost for a 2016 Dodge Journey is $1,274 per year, or around $106 per month. Rates range from $1,140 per year for the Journey SE 2WD to $1,376 for the Journey R/T AWD.
| 2016 Dodge Journey Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE 2WD | $1,140 | $95 |
| SXT 2WD | $1,220 | $102 |
| Crossroad 2WD | $1,258 | $105 |
| SE AWD | $1,258 | $105 |
| Crossroad AWD | $1,296 | $108 |
| SXT AWD | $1,296 | $108 |
| R/T 2WD | $1,338 | $112 |
| R/T AWD | $1,376 | $115 |
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 February 23, 2024
2015 Model Year
Insurance rates average $1,254 per year for a 2015 Dodge Journey, or around $105 per month. Rates range from $1,112 per year for the Journey SE 2WD to $1,334 for the Journey R/T AWD.
| 2015 Dodge Journey Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE 2WD | $1,112 | $93 |
| SXT 2WD | $1,186 | $99 |
| Crossroad 2WD | $1,214 | $101 |
| SE AWD | $1,220 | $102 |
| SXT AWD | $1,258 | $105 |
| R/T 2WD | $1,296 | $108 |
| Limited 2WD | $1,298 | $108 |
| Crossroad AWD | $1,302 | $109 |
| Limited AWD | $1,330 | $111 |
| R/T AWD | $1,334 | $111 |
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 February 22, 2024
2014 Model Year
Average insurance cost for a 2014 Dodge Journey is $1,182 per year, or around $99 per month. Rates range from $1,048 per year for the Journey SE 2WD to $1,254 for the Journey R/T AWD.
| 2014 Dodge Journey Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE 2WD | $1,048 | $87 |
| SXT 2WD | $1,118 | $93 |
| Crossroad 2WD | $1,152 | $96 |
| SE AWD | $1,152 | $96 |
| SXT AWD | $1,186 | $99 |
| Crossroad AWD | $1,220 | $102 |
| Limited 2WD | $1,220 | $102 |
| R/T 2WD | $1,220 | $102 |
| Limited AWD | $1,254 | $105 |
| R/T AWD | $1,254 | $105 |
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 February 23, 2024
2013 Model Year
Insurance rates for a 2013 Dodge Journey average $1,152 per year, or about $96 per month. Rates range from $1,042 per year for the Journey AVP 2WD to $1,236 for the Journey R/T AWD.
| 2013 Dodge Journey Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AVP 2WD | $1,042 | $87 |
| SE 2WD | $1,072 | $89 |
| SXT 2WD | $1,106 | $92 |
| Crew 2WD | $1,170 | $98 |
| SXT AWD | $1,170 | $98 |
| Crew AWD | $1,202 | $100 |
| R/T 2WD | $1,202 | $100 |
| R/T AWD | $1,236 | $103 |
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 February 23, 2024
Dodge Journey insurance rates by location
Insurance rates on a Journey can range from lower rates like $1,062 a year in Raleigh, NC, or $1,180 in Charlotte, NC, to higher rates such as $3,518 a year in Detroit, MI, and $2,426 in Los Angeles.
Some additional rates in other locations include Phoenix, AZ, at $1,754 per year, San Antonio, TX, costing $1,500, Austin, TX, averaging $1,438, and Jacksonville, FL, at $1,686.
The bar chart below illustrates average Dodge Journey insurance policy costs for the thirty largest metro areas in the United States.
When looking at average Dodge Journey rates from the state level, states like Ohio ($1,166), Maine ($1,026), and Idaho ($1,188) tend to be on the lower side, while states like Michigan ($2,100), Louisiana ($1,860), and Rhode Island ($1,962) 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 $1,883. The table below breaks down Journey insurance rates for all 50 U.S. states.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $1,462 | $122 |
| Alaska | $1,252 | $104 |
| Arizona | $1,486 | $124 |
| Arkansas | $1,680 | $140 |
| California | $1,916 | $160 |
| Colorado | $1,718 | $143 |
| Connecticut | $1,778 | $148 |
| Delaware | $1,812 | $151 |
| Florida | $1,942 | $162 |
| Georgia | $1,642 | $137 |
| Hawaii | $1,140 | $95 |
| Idaho | $1,188 | $99 |
| Illinois | $1,428 | $119 |
| Indiana | $1,236 | $103 |
| Iowa | $1,122 | $94 |
| Kansas | $1,586 | $132 |
| Kentucky | $1,714 | $143 |
| Louisiana | $1,860 | $155 |
| Maine | $1,026 | $86 |
| Maryland | $1,506 | $126 |
| Massachusetts | $1,742 | $145 |
| Michigan | $2,100 | $175 |
| Minnesota | $1,402 | $117 |
| Mississippi | $1,574 | $131 |
| Missouri | $1,800 | $150 |
| Montana | $1,488 | $124 |
| Nebraska | $1,368 | $114 |
| Nevada | $1,896 | $158 |
| New Hampshire | $1,122 | $94 |
| New Jersey | $1,918 | $160 |
| New Mexico | $1,348 | $112 |
| New York | $1,840 | $153 |
| North Carolina | $1,058 | $88 |
| North Dakota | $1,356 | $113 |
| Ohio | $1,166 | $97 |
| Oklahoma | $1,762 | $147 |
| Oregon | $1,512 | $126 |
| Pennsylvania | $1,552 | $129 |
| Rhode Island | $1,962 | $164 |
| South Carolina | $1,374 | $115 |
| South Dakota | $1,648 | $137 |
| Tennessee | $1,536 | $128 |
| Texas | $1,506 | $126 |
| Utah | $1,426 | $119 |
| Vermont | $1,208 | $101 |
| Virginia | $1,118 | $93 |
| Washington | $1,468 | $122 |
| West Virginia | $1,448 | $121 |
| Wisconsin | $1,190 | $99 |
| Wyoming | $1,444 | $120 |
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 February 23, 2024
