Dodge Journey Car Insurance Cost 2025
On average, car insurance for a Dodge Journey costs $1,541 per year. However, the actual cost can vary depending on factors like your age, the car’s model year, and other details. You can use the quote tables below to get a personalized estimate of your insurance costs.
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If you’re thinking about buying a Dodge Journey, one crucial aspect to consider is the insurance cost. Insurance plays a major role in car ownership, so understanding its implications beforehand is essential. On average, insurance for a Dodge Journey cost $1,541 per year.
Choosing the right insurance policy is vital to avoid unexpected and potentially high expenses later on. Having inadequate coverage during an accident can lead to significant out-of-pocket costs. Additionally, if you’re at fault, there could be hikes in your insurance premiums.
Through years of analyzing car insurance rates, I’ve witnessed the considerable variation in costs. Factors like age, driving history, and location can significantly impact insurance premiums.
How Much Does A Dodge Journey Car Insurance Cost?
Dodge Journey drivers typically pay around $1,541 per year for car insurance.
It’s important to understand that the cost of car insurance can vary significantly based on various factors. These include your location, driving history, the model year of your car, and the coverage options you choose. Keeping a clean driving record can help lower your premiums, while a history of accidents or traffic violations may increase costs.
Additionally, living in an urban area with heavy traffic often leads to higher insurance rates compared to rural areas with less congestion. The type of coverage you select also plays a role—comprehensive insurance, which includes both comprehensive and collision coverage, usually costs more than minimum liability coverage.
As you can see from the table below, the insurance cost for a Dodge Journey is lower compared to the average cost for all Dodge models, and it’s also cheaper than the average cost for all cars.
Insuranceopedia is here to help you compare quotes from various auto insurance providers, ensuring you find the best deal that suits your needs.
| Vehicle | Average Monthly Premium |
| Dodge Journey | $146 |
| All Dodges | $186 |
| All Cars | $175 |
Average Insurance Cost Of Dodge Journey By Model Year
| Model Year | Average Premium |
| 2022 Dodge Journey | $1,973 |
| 2020 Dodge Journey | $731 |
| 2019 Dodge Journey | $622 |
| 2018 Dodge Journey | $445 |
| 2017 Dodge Journey | $570 |
| 2016 Dodge Journey | $521 |
| 2015 Dodge Journey | $365 |
| 2014 Dodge Journey | $604 |
| 2013 Dodge Journey | $460 |
| 2012 Dodge Journey | $386 |
| 2011 Dodge Journey | $614 |
| 2010 Dodge Journey | $346 |
2022 Dodge Journey Insurance Rates
The average annual insurance cost for a 2022 Dodge Journey is $1,973. However, Mercury offers the cheapest rates, averaging $654 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $654 |
| Metropolitan | $1,049 |
| Travelers | $1,233 |
| Unitrin | $1,387 |
| Farm Bureau Ins of MI | $1,509 |
| Bristol West | $1,921 |
| Farmers | $2,151 |
| Permanent General | $2,799 |
| Encompass | $3,343 |
| Hanover | $3,687 |
2020 Dodge Journey Insurance Rates
The average annual insurance cost for a 2020 Dodge Journey is $731. However, Safeco offers the cheapest rates, averaging $94 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $883 |
| Indiana Farmers Mutual Ins | $944 |
| Mercury Insurance | $556 |
| NatGen Custom 360 | $396 |
| Partners Mutual Insurance Co | $918 |
| Dairyland Broadform | $736 |
| Buckeye Insurance Group | $1,035 |
| Nationwide ThreeSixZero | $1,013 |
| NatGen PPA | $734 |
| Safeco | $94 |
2019 Dodge Journey Insurance Rates
The average annual insurance cost for a 2019 Dodge Journey is $622. However, Safeco offers the cheapest rates, averaging $239 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $880 |
| AssuranceAmerica Mobile Max | $537 |
| NatGen Custom 360 | $514 |
| Titan | $493 |
| Kemper Auto | Infinity | $878 |
| Mercury Insurance | $630 |
| Safeco | $239 |
| American National P | $742 |
| Utica National Ins Group | $845 |
| Kemper Auto | $460 |
2018 Dodge Journey Insurance Rates
The average annual insurance cost for a 2018 Dodge Journey is $445. However, NatGen Custom 360 offers the cheapest rates, averaging $80 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $711 |
| Dairyland FR Bond | $139 |
| Kemper Personal Insurance | $92 |
| AssuranceAmerica Mobile Max | $326 |
| Kemper Auto Premium | $805 |
| NatGen Custom 360 | $80 |
| Safeco | $100 |
| Kemper Auto | $651 |
| Mercury Insurance | $861 |
| NatGen PPA | $688 |
2017 Dodge Journey Insurance Rates
The average annual insurance cost for a 2017 Dodge Journey is $570. However, Safeco offers the cheapest rates, averaging $71 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $955 |
| Dairyland FR Bond | $737 |
| Dairyland Broadform | $391 |
| Safeco | $71 |
| Infinity Special | $490 |
| AssuranceAmerica Mobile Max | $397 |
| Mercury Insurance | $597 |
| Countryway Insurance | $964 |
| NatGen Custom 360 | $159 |
| Utica National Ins Group | $943 |
2016 Dodge Journey Insurance Rates
The average annual insurance cost for a 2016 Dodge Journey is $521. However, Safeco offers the cheapest rates, averaging $71 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $196 |
| Safeco | $71 |
| Mercury Insurance | $407 |
| AssuranceAmerica Mobile Max | $249 |
| Countryway Insurance | $891 |
| American National P | $759 |
| Concord Group | $832 |
| National General RAD | $596 |
| Kemper Auto Premier | $336 |
| MMG Insurance Company | $871 |
2015 Dodge Journey Insurance Rates
The average annual insurance cost for a 2015 Dodge Journey is $365. However, Dairyland Auto offers the cheapest rates, averaging $56 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $253 |
| Concord Group | $748 |
| AssuranceAmerica Mobile Max | $239 |
| Mercury Insurance | $462 |
| Kemper Personal Insurance | $48 |
| American National P | $717 |
| Safeco | $81 |
| Utica National Ins Group | $803 |
| Dairyland Broadform | $242 |
| Dairyland Auto | $56 |
2014 Dodge Journey Insurance Rates
The average annual insurance cost for a 2014 Dodge Journey is $604. However, Kemper Personal Insurance offers the cheapest rates, averaging $119 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $900 |
| Kemper Personal Insurance | $119 |
| Safeco | $198 |
| AssuranceAmerica Mobile Max | $163 |
| Patriot Group | $841 |
| Commerce Group Inc | $846 |
| Concord Group | $729 |
| MMG Insurance Company | $694 |
| Mercury Insurance | $785 |
| Kemper Auto | Infinity | $769 |
2013 Dodge Journey Insurance Rates
The average annual insurance cost for a 2013 Dodge Journey is $460. However, Safeco offers the cheapest rates, averaging $104 per year.
| Insurance Provider | Average Annual Cost |
| American National P&C | $469 |
| Safety Group | $596 |
| NatGen Custom 360 | $129 |
| Infinity Special | $680 |
| Bear River | $712 |
| American National P | $547 |
| Safeco | $104 |
| Dairyland FR Bond | $501 |
| Dairyland Broadform | $533 |
| Mercury Insurance | $333 |
2012 Dodge Journey Insurance Rates
The average annual insurance cost for a 2012 Dodge Journey is $386. However, Safeco offers the cheapest rates, averaging $145 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $421 |
| Kemper Auto | $437 |
| Mercury Insurance | $493 |
| Kemper Auto | Infinity | $220 |
| Safeco | $145 |
| NatGen Value | $208 |
| Concord Group | $659 |
| Dairyland FR Bond | $425 |
| Dairyland Broadform | $370 |
| NatGen Custom 360 | $482 |
2011 Dodge Journey Insurance Rates
The average annual insurance cost for a 2011 Dodge Journey is $614. However, Safeco offers the cheapest rates, averaging $118 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $783 |
| Virginia Farm Bureau | $610 |
| Texas Farm Bureau Group | $879 |
| Mercury Insurance | $465 |
| SECURA Insurance | $714 |
| PEMCO | $752 |
| AssuranceAmerica Mobile Max | $502 |
| Safeco | $118 |
| National General Value | $778 |
| American National P | $541 |
Find Affordable Dodge Journey Insurance Rates
2010 Dodge Journey Insurance Rates
The average annual insurance cost for a 2010 Dodge Journey is $346. However, Safeco offers the cheapest rates, averaging $24 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $206 |
| SECURA Insurance | $656 |
| Safeco | $24 |
| NatGen Custom 360 | $66 |
| American National P | $680 |
| PEMCO | $658 |
| Mercury Insurance | $268 |
| Dairyland FR Bond | $358 |
| Kemper Personal Insurance | $315 |
| AssuranceAmerica Mobile Max | $227 |
Is A Dodge Journey Expensive To Insure?
The cost to insure a Dodge Journey is lower than the overall average for all cars. However, the actual amount you’ll pay for car insurance will depend on several factors, including your age, the car’s model year, your location, and other considerations.
Cost of Dodge Journey Car Insurance By Age
Age plays a crucial role in determining insurance rates for any vehicle. Teenagers typically face the highest premiums since they are statistically more likely to be involved in car accidents compared to other age groups. As you get older, your premiums tend to decrease, as you are seen as a lower insurance risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,504 | $9,568 | $11,178 |
| 18 | $6,081 | $8,904 | $10,396 |
| 19 | $5,371 | $7,870 | $9,219 |
| 20 | $4,664 | $6,863 | $8,029 |
| 21 | $3,900 | $5,751 | $6,732 |
| 22 | $3,823 | $5,605 | $6,563 |
| 23 | $3,318 | $4,880 | $5,750 |
| 24 | $3,158 | $4,665 | $5,441 |
| 25 | $2,743 | $4,020 | $4,717 |
| 30 | $2,134 | $3,128 | $3,656 |
| 35 | $2,002 | $2,952 | $3,415 |
| 40 | $1,900 | $2,807 | $3,287 |
| 45 | $1,863 | $2,739 | $3,207 |
| 55 | $1,714 | $2,522 | $2,944 |
| 65 | $1,788 | $2,644 | $3,057 |
| 75 | $2,254 | $3,333 | $3,893 |
Dodge Journey Car Insurance Rates By State
Your location plays a significant role in how insurance companies calculate rates. Each state sets its own auto insurance regulations—Michigan drivers, for example, often pay higher premiums because the state requires more comprehensive coverage. Additionally, local climate can impact rates, with some areas experiencing extreme weather like hurricanes, storms, and flooding.
Every location also has its own statistics on crime and auto accidents, including rates of car theft, crashes, and vehicle fatalities. Insurance companies take all of these factors into account when determining your specific Dodge Journey insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Arizona | $2,041 | $2,966 | $3,746 |
| Arkansas | $1,694 | $2,325 | $2,278 |
| California | $1,908 | $2,733 | $4,062 |
| Colorado | $2,104 | $3,291 | $3,593 |
| Connecticut | $2,315 | $4,105 | $2,343 |
| Delaware | $2,171 | $3,033 | $3,867 |
| Florida | $2,786 | $4,302 | $5,439 |
| Georgia | $2,304 | $3,047 | $3,926 |
| Hawaii | $2,719 | $3,773 | $4,926 |
| Idaho | $891 | $1,197 | $889 |
| Illinois | $1,551 | $2,056 | $2,503 |
| Indiana | $1,600 | $2,429 | $2,782 |
| Iowa | $1,655 | $2,537 | $2,835 |
| Kansas | $1,336 | $1,796 | $2,119 |
| Kentucky | $1,749 | $2,532 | $2,998 |
| Louisiana | $2,542 | $3,726 | $4,373 |
| Maine | $3,245 | $4,892 | $5,308 |
| Maryland | $1,243 | $1,700 | $2,495 |
| Massachusetts | $2,002 | $2,882 | $3,205 |
| Michigan | $1,601 | $2,768 | $1,576 |
| Minnesota | $3,860 | $5,843 | $9,234 |
| Mississippi | $1,565 | $2,107 | $2,964 |
| Missouri | $1,922 | $2,725 | $2,747 |
| Montana | $1,805 | $2,555 | $3,392 |
| Nebraska | $1,833 | $2,538 | $2,958 |
| Nevada | $1,548 | $2,286 | $2,496 |
| New Hampshire | $2,541 | $3,797 | $3,985 |
| New Jersey | $1,776 | $2,800 | $3,529 |
| New Mexico | $1,941 | $3,079 | $3,997 |
| New York | $1,985 | $2,988 | $3,080 |
| North Carolina | $1,832 | $2,331 | $3,884 |
| North Dakota | $1,164 | $1,950 | $1,409 |
| Ohio | $1,579 | $2,394 | $2,839 |
| Oklahoma | $1,389 | $2,153 | $2,224 |
| Oregon | $2,253 | $3,195 | $3,596 |
| Pennsylvania | $2,022 | $2,733 | $3,277 |
| Rhode Island | $1,719 | $2,535 | $2,961 |
| South Carolina | $2,848 | $4,190 | $4,710 |
| South Dakota | $1,928 | $2,697 | $3,700 |
| Tennessee | $1,759 | $2,503 | $2,907 |
| Texas | $2,069 | $3,006 | $4,009 |
| Utah | $2,068 | $2,974 | $3,721 |
| Vermont | $1,746 | $2,478 | $3,399 |
| Virginia | $1,331 | $2,099 | $2,203 |
| Washington | $1,280 | $1,944 | $1,917 |
| West Virginia | $1,685 | $2,283 | $2,717 |
| Wisconsin | $1,706 | $2,427 | $3,034 |
| Wyoming | $1,675 | $2,619 | $3,011 |
| Wyoming | $1,576 | $2,189 | $2,348 |
| Georgia | $2,240 | $3,320 | $3,342 |
Find Affordable Dodge Journey Insurance Rates
Cheapest Car Insurance Companies For A Dodge Journey
If you’re in the market for a new car insurance policy for your Dodge Journey, you might want to know which insurance companies offer the most affordable rates. For drivers looking specifically for the cheapest option, Hugo offers a premium of $20 per month, making them one of the most affordable providers for a Dodge Journey. However, keep in mind that rates can vary based on your driver profile, so this rate is just an average. The best way to find the best deal for your situation is to shop around and compare quotes from different insurers.
| Company | Average Monthly Rate |
| Hugo | $20 |
| Aspire | $48 |
| Horace Mann | $35 |
| Ohio Mutual | $54 |
| American Family | $43 |
Common Dodge Journey Insurance Discounts
Discounts are a great way to reduce your car insurance costs. Most auto insurance providers offer various discounts, and here are a few common ones you may qualify for:
- Multi-policy: Bundle your home and auto insurance with the same provider to often receive a discounted rate.
- Pay annually: Some insurers offer savings for customers who pay their premium in one lump sum instead of spreading it out over monthly payments.
- Defensive driving: Completing defensive driving courses from a certified institution can make you eligible for lower premiums.
There may be other discounts available depending on your situation, so it’s a good idea to speak with your insurance agent. They can help you identify which discounts you qualify for.
Ways To Save On Dodge Journey Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Dodge Journey insurance costs low. A speeding ticket or being involved in an accident can significantly raise your premiums.
Drivers with a ticket on their record can expect to pay around $108 per month, while those with multiple accidents will pay an average of $136 per month. By avoiding these incidents, you can help keep your insurance costs down.
Additionally, drivers with lower annual mileage tend to pay less for Dodge Journey insurance. This is because drivers who spend less time on the road have fewer chances of being involved in accidents, making them a lower risk to insure.
For example, Dodge Journey drivers who drive between 5,000 and 7,500 miles per year typically pay around $84 per month for car insurance. In contrast, those who drive over 10,000 miles per year will pay about $102 per month.
Compare Dodge Journey To Other Dodge Models
Looking for other Dodge model insurance costs?
- Dodge Charger Car Insurance
- Dodge Challenger Car Insurance
- Dodge Durango Car Insurance
- Dodge Grand Caravan Car Insurance
Our Methodology
To calculate average car insurance costs, Insuranceopedia collected thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance, with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it’s important to note that these figures may vary based on your individual circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Dodge Journey?
Yes, you’ll need to provide proof of insurance before driving your Dodge Journey off the dealership lot. The best approach is to purchase a policy first and then inform your insurance company that you’re about to acquire the vehicle, rather than getting insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Dodge Journey?
The best way to find the most affordable insurance rates for your Dodge Journey is by shopping around and comparing quotes from different auto insurance companies. Luckily, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers right here on our website.
