Dodge Journey Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Dodge Journey is more expensive to insure than the average SUV.
• Full coverage for a Journey usually runs around $157 a month, while liability only insurance premiums tend to be about $91.
• AmericanAlliance is the cheapest auto insurance carrier for a Journey.

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Journey Overview

With base prices starting at just $23,495 for 2020 models, the Dodge Journey is a great SUV for all budgets. Drive off the dealership lot in style, with a choice of two different trim options.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've determined that, on average, Dodge Journey insurance prices run around $155 monthly. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Dodge Journey?

You can see in the table above that when you compare the Dodge Journey to other vehicles, insurance premiums are right about average. On average, Journey drivers can expect to pay around $157 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $91 a month for liability only insurance (find out more about the difference with our guide "State Minimum vs. Full Coverage").

When compared to other models, the Journey is cheaper, with prices about 13% lower than the other vehicle types offered by Dodge. Compared to SUV offerings from other brands, car insurance for a Journey is similarly on the expensive side, with liability only insurance rates coming in around $11 more and $6 more for full coverage.

When compared to all vehicles, regardless of model, make, or body style, the Journey has higher premiums than average for both full coverage and liability only insurance.

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Who has the Cheapest Car Insurance for a Dodge Journey?

Are you searching for an auto insurance policy for your Dodge Journey? You're likely wondering which company offers the lowest premiums. While there will never be one carrier that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $23 a month from Hugo. The next lowest company is Horace Mann, who offers auto insurance sometimes as little as $29 monthly.

Finishing off the rest of the top 5 are American Family, Aspire, and Ohio Mutual. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers take a multitude of different factors into consideration when calculating monthly premiums. By getting quotes from several car insurance companies at once, you can rest easy knowing that you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Dodge Journey?

There are an array of factors that auto insurance carriers use to choose how much they charge you for a policy -- and every carrier uses a different formula, so there's not one company that's the most affordable for each driver.

The sections below show a bunch of things insurance companies use to calculate rates:

Vehicle Age

The Dodge Journey has been around for a while, so vehicle age will likely make a difference in what you end up paying for car insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Journeys begin to depreciate, insurance costs will gradually decrease.

As you can see in the information above, the Dodge Journey follows this trend, as the most expensive models to insure are those that are 2 to 3 years old, while on average, the cheapest models are Journeys that are 6 to 7 years old.

Your Age

Age is another variable that makes a significant difference in how much you pay for auto insurance. In the table above, you'll see that drivers who have more experience on the road pay less than teenage drivers. Dodge Journey drivers under 18 actually pay $39 more than those 25 or older.

Insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Journey.

Your Gender

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. The Dodge Journey sticks to the norm, where women pay about 16% less than men per month for insurance.

Where You Live

You may think it's obvious that variables like what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live is equally important. Because auto insurance is regulated on the state level and not nationally, prices can vary quite a bit from state to state.

For example, the average Dodge Journey owner from New York pays around $193 a month for liability coverage. Meanwhile, the same driver in California will pay less than 50% of that price, on average. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change across states.

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Dodge Journey Car Insurance Discounts

Regardless of how old you are, which vehicle you drive, or what state you live in, using as many discounts as possible when it comes to your insurance policy is always important.

While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Pay-in-full discounts for drivers who agree to pay their entire policy premium at once, rather than by monthly payments
• Multi-car discounts for adding more than one vehicle to your auto policy

While taking advantage of discounts is always a smart way to save money on your car insurance, sometimes the best way to save is just by having a profile that looks good to insurance carriers.

Of course, you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but there is quite a bit that you can control. Below are just a few of the factors you can use to your favor in order to save money on insurance:

Your Driving Record

You've almost certainly heard ads from auto insurance companies offering big discounts for good drivers. It shouldn't come as a surprise that your car insurance prices will go higher if you get a speeding ticket or get into an accident. But how much will they cost you?

As you can tell, accidents will usually cost Journey drivers more than tickets, but both will result in higher than average rates. Dodge Journey drivers with one ticket will pay an average of $105 monthly, while drivers with a single accident on their record pay about $110 a month (up $19 from the $91/mo. overall average). The rates only go up the more accidents you have or tickets you get.

How Much You Drive

Another factor that affects your insurance premiums is the amount of miles you drive annually. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll typically get more affordable rates. In the table above, you can see that Dodge Journey owners who drive fewer than 2,500 miles per year pay about $88 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $94.

If you're one of those drivers who don't put very many miles on your Dodge Journey each year, you might consider learning about usage-based or pay-per-mile car insurance policies. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Dodge Journeys Compare to Other Vehicles?

If you're considering purchasing a new SUV and a Dodge Journey is on your shortlist, you might want to know how it compares to other vehicles. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Dodge Journey compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Dodge Journey is a great value for any budget. The Journey has an MSRP of $23,495, which is much cheaper than the national average vehicle price of $46,547.

But while the purchase price is on the lower end of the spectrum, insurance prices are slightly higher when compared to the rest of the vehicle market. Full coverage insurance for a Dodge Journey is about $6 a month cheaper than average, while liability only coverage is per month.

When it comes to usage, Dodge Journey drivers are far from the national average in annual miles driven, with 13,624 miles every year compared to 11,617 for all vehicles.

Dodge Journey Car Insurance Costs by Model Year

We've gone over many of the things that can have an impact on how much the average driver pays for auto insurance. If you're considering purchasing a new Journey, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

Choose Your Model

2020 Dodge Journey Car Insurance 2019 Dodge Journey Car Insurance 2018 Dodge Journey Car Insurance 2017 Dodge Journey Car Insurance 2016 Dodge Journey Car Insurance 2015 Dodge Journey Car Insurance 2014 Dodge Journey Car Insurance 2013 Dodge Journey Car Insurance 2012 Dodge Journey Car Insurance 2011 Dodge Journey Car Insurance 2010 Dodge Journey Car Insurance 2009 Dodge Journey Car Insurance

2020 Dodge Journey Car Insurance

On average, drivers who own a 2020 Journey can expect to pay $141 to $163 monthly for liability only and full coverage auto insurance, respectively.

We found Mile Auto offered the lowest policy, with rates as cheap as just $26 per month.

Want to know exactly how much you'll pay? Enter your ZIP code below to get a variety of free customized quotes.

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2019 Dodge Journey Car Insurance

2019 Dodge Journey drivers can expect to pay an average of $99 monthly for liability or $179 for full coverage.

With premiums as little as $26 a month, Clearcover offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your Journey, get free quotes in minutes by just entering your ZIP code below.

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2018 Dodge Journey Car Insurance

You can expect full coverage for a 2018 Journey to run around $174 per month, while liability only coverage will average about $108 monthly.

Clearcover has prices as cheap as $22 a month for the 2018 Dodge Journey.

If you want to know exactly how much you can expect to pay for your Journey, just enter your ZIP code below and get free quotes in minutes.

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2017 Dodge Journey Car Insurance

The average cost to insure a 2017 Dodge Journey with liability only coverage is $90 per month, while full coverage runs around $167 monthly.

With premiums as low as $19 a month, DirectGeneral offered the most affordable policy we found for the 2017 Dodge Journey.

What will your car insurance rate be? Just enter your ZIP code below to get multiple personalized quotes for free.

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2016 Dodge Journey Car Insurance

It costs about $98 monthly for liability or $161 for a full coverage policy for the 2016 Journey.

Mercury offered the lowest policy we found, with rates sometimes as cheap as $20 a month.

While these are good estimates of what the average driver might pay to insure a 2016 Dodge Journey, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2015 Dodge Journey Car Insurance

2015 Dodge Journey drivers can expect to pay an average of $87 per month for liability or $155 for full coverage.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as low as just $22 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2014 Dodge Journey Car Insurance

The average cost to insure a 2014 Journey with liability only coverage is $83 per month, while full coverage runs around $150 a month.

If you're looking for the lowest possible 2014 Dodge Journey insurance policy, Hugo offered the lowest policy we found, with rates as little as just $17 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2013 Dodge Journey Car Insurance

On average, drivers who own a 2013 Dodge Journey can expect to pay $85 to $147 a month for liability only and full coverage insurance, respectively.

Gainsco offered the cheapest policy we found, with rates sometimes as low as $20 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2012 Dodge Journey Car Insurance

It costs about $80 a month for liability or $146 for a full coverage policy for the 2012 Journey.

Looking for the most affordable policy? Clearcover offered liability only coverage for sometimes as little as $20 per month.

Want to know exactly what your car insurance premium will be? Enter your ZIP code below to get lots of personalized quotes for free.

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2011 Dodge Journey Car Insurance

You can expect full coverage for a 2011 Dodge Journey to run around $153 monthly, while liability only coverage will average about $105 per month.

With rates as cheap as $20 monthly, Commonwealth Casualty offered the cheapest policy we found for the 2011 Dodge Journey.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2010 Dodge Journey Car Insurance

It costs around $95 a month for liability or $149 for a full coverage policy for the 2010 Journey.

We found Sun Coast offered the lowest policy, with rates as cheap as just $21 per month.

Want to figure out exactly what you'll be asked to pay? Get several personalized quotes for free by just entering your ZIP code below.

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2009 Dodge Journey Car Insurance

On average, drivers who own a 2009 Dodge Journey can expect to pay $87 to $150 a month for liability only and full coverage auto insurance, respectively.

With premiums as low as $17 monthly, Dairyland offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your Journey, just enter your ZIP code below and get several free quotes in minutes.

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Dodge Journey Insurance FAQs

Is a Dodge Journey expensive to insure?

Liability insurance runs an average of $91 per month, while full coverage will cost you around $157. It costs more to insure a Dodge Journey when compared to the average SUV.

How can I get the best price on car insurance for my Dodge Journey?

There's only one way to ensure you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from many carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Dodge Journey affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car, but that's actually not the case. There are a whole range of variables car insurance companies look at when they decide how much to charge you, but your Dodge Journey's color is not factored into that decision.

Do I need to have insurance before I buy a Dodge Journey?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Dodge Journey?

There are a variety of discounts out there for insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your Journey has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The best way to find out is to contact your insurance company and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.