Key Takeaways
Dodge Journey insurance cost is moderate. The 2008-launched midsize crossover SUV was discontinued in 2020; still, the car is popular among those who are looking for a budget-friendly seven-seater. Go through our comprehensive guide on Dodge Journey car insurance costs and how various factors affect it. Also, learn the best ways to cut insurance cost on the car model.
Full coverage insurance for a Dodge Journey costs an average of $1,488 per year, while the segment median average is $1,521 per year. This difference is only $33 per year.
Compared to the best-selling midsize SUVs, the Dodge Journey car insurance cost is moderate. The table below shows how the Journey compares to popular midsize SUVs like the Chevrolet Traverse, Hyundai Santa Fe, Toyota Highlander, Dodge Journey, Volkswagen Tiguan, Kia Sorento, Honda Pilot, Mazda CX-9, and Nissan Pathfinder.
| Car Model | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Chevrolet Traverse | $120 | $1,440 |
| Hyundai Santa Fe | $121 | $1,452 |
| Toyota Highlander | $123 | $1,476 |
| Dodge Journey | $124 | $1,488 |
| Volkswagen Tiguan | $125 | $1,500 |
| Kia Sorento | $126 | $1,512 |
| Honda Pilot | $130 | $1,554 |
| Mazda CX-9 | $131 | $1,572 |
| Nissan Pathfinder | $141 | $1,692 |
While the Dodge Journey auto insurance rates are calculated by respective insurers on their own, certain important factors are common for all. Let's go through some of the most important factors and their impact on insurance costs.
Model Year : The Dodge Journey car insurance rates go up with the later models. As the early models are mostly built on older techs and have lower MSRP, the cost for collision and comprehensive coverage will be less.
Trim Level : Dodge Journey is available in the following trim levels: SE, SXT, Crossroad, Crossroad Plus, and GT. Higher trims such as Crossroads and GTs have upgraded performance. Hence, the risk factors attached to the trims are also on the rise. This led to higher insurance rates.
Safety Features : The later models of Dodge Journey, especially after 2017, have more built-in safety features. As the safety features become more advanced, crash mitigation works more efficiently. Therefore, insurers offer lower premiums for such cars.
Theft Rates : Except for the 2017 model year, no other Journey models have been featured in the NICB high-theft-risk category. With lower theft rates reported for the model, carriers are not likely to raise the premium.
Driver-Related Factors : The driver's profile, including gender, driving record, and even credit score (in most states), is used to calculate the best Dodge Journey insurance rates. Therefore, the owners are best advised to keep their driving records and credit scores clean.
Coverage & Deductibles : Dodge Journey car insurance costs vary, based on the coverage and deductible limits. Choose the coverage limits wisely for your older Journey. Also, the resale value and coverage offered by such models do not justify the actual cost. Hence, the owners can cut the comprehensive/ collision coverages or raise deductibles. Make the choice based on your claim record and refinance or car loan status.
In the sections below, we'll talk about how much it takes to insure Dodge Journey model years from 2011 to 2020, with the cheapest carriers. From the mentioned model years, 2011 is the cheapest Dodge Journey to insure and 2020 is the costliest. The table below gives the average annual and monthly premium rates for selected model years.
| Dodge Journey Model Year | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Dodge Journey 2020 Model Year | $1,496 | $125 |
| Dodge Journey 2019 Model Year | $1,550 | $129 |
| Dodge Journey 2018 Model Year | $1,139 | $95 |
| Dodge Journey 2017 Model Year | $953 | $79 |
| Dodge Journey 2016 Model Year | $1,013 | $84 |
| Dodge Journey 2015 Model Year | $850 | $71 |
| Dodge Journey 2014 Model Year | $825 | $69 |
| Dodge Journey 2013 Model Year | $840 | $70 |
| Dodge Journey 2012 Model Year | $801 | $67 |
| Dodge Journey 2011 Model Year | $802 | $67 |
Respective providers weigh various factors to calculate the Dodge Journey car insurance rates. From our research, Texas Farm Bureau has come up as the cheapest company to insure the car model. The average annual rate offered by the carrier is $611. The monthly cost offered by the cheapest carriers for Journey ranges between $51 and $93.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | $611 | $51 |
| Erie | $770 | $64 |
| Progressive | $772 | $64 |
| Vermont Mutual | $815 | $68 |
| USAA | $859 | $72 |
| Tennessee Farmers | $895 | $75 |
| Acuity | $972 | $81 |
| Arbella | $974 | $81 |
| State Farm | $975 | $81 |
| Plymouth Rock Insurance | $988 | $82 |
| Nationwide | $1,007 | $84 |
| American Family | $1,102 | $92 |
| Country | $1,119 | $93 |
Cheap Dodge Journey insurance rates for the 2020 model year range from $95 to $120 per month, based on carriers. While the SE Value 2WD is the least expensive to insure, an upgraded Crossroad 2WD trim is the most expensive. On average, Vermont Mutual offers the cheapest Dodge Journey insurance rates for the 2020 model year. 2020 Dodge Journey is the last one from the brand, and hence, the model year has the highest insurance rate, compared to the rest of the model years.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Vermont Mutual | $1,141 | $95 |
| Nationwide | $1,219 | $102 |
| Tennessee Farmers | $1,242 | $104 |
| Erie | $1,243 | $104 |
| USAA | $1,248 | $104 |
| American Family | $1,320 | $110 |
| Auto Owners | $1,343 | $112 |
| Mercury | $1,397 | $116 |
| 21st Century | $1,440 | $120 |
| Country | $1,445 | $120 |
| State Farm | $1,445 | $120 |
The average insurance cost for a 2019 Dodge Journey is $1,550, or about $129 a month. USAA, Cincinnati, and many more insurers offer cheap Dodge Journey insurance rates for the 2019 model year. All the same, Auto Owners is the cheapest carrier for 2019 Journey. The average annual premium offered by the provider is $1,037. Find more cheap rates from leading carriers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Auto Owners | $1,037 | $86 |
| USAA | $1,068 | $89 |
| Cincinnati Insurance | $1,092 | $91 |
| Nationwide | $1,096 | $91 |
| Erie | $1,122 | $94 |
| Country | $1,349 | $112 |
| American Family | $1,351 | $113 |
| Plymouth Rock Insurance | $1,373 | $114 |
| Mercury | $1,376 | $115 |
| State Farm | $1,414 | $118 |
| Infinity | $1,416 | $118 |
2018 Dodge Journey insurance cost is $349 lower than the overall average of the model. The annual average for the model year is $850 per year or about $71 per month. Erie offers a much lower average premium compared to the model year average. The insurer's average annual premium offer for Dodge Journey 2018 model year is $786. Find the providers with cheaper rates in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $786 | $66 |
| Tennessee Farmers | $843 | $70 |
| Progressive | $906 | $76 |
| USAA | $940 | $78 |
| Nationwide | $968 | $81 |
| Vermont Mutual | $980 | $82 |
| Plymouth Rock Insurance | $1,020 | $85 |
| State Farm | $1,029 | $86 |
| Acuity | $1,081 | $90 |
| Country | $1,144 | $95 |
| Arbella | $1,173 | $98 |
Full coverage insurance for a 2017 Dodge Journey costs about $953, which is $287 more than the offer from the cheapest insurer. The annual average rate offered by Erie is $666. The cheapest monthly average rates among various carriers for the car model year range between $56 and $90. The table below features more insurance providers with cheap 2017 Dodge Journey car insurance rates.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $666 | $56 |
| Texas Farm Bureau | $718 | $60 |
| Progressive | $799 | $67 |
| USAA | $806 | $67 |
| State Farm | $877 | $73 |
| Nationwide | $918 | $77 |
| Tennessee Farmers | $919 | $77 |
| Vermont Mutual | $922 | $77 |
| Plymouth Rock Insurance | $996 | $83 |
| Acuity | $1,054 | $88 |
| Country | $1,077 | $90 |
The insurance rate for a 2016 Dodge Journey costs you $1,013, on average, per year. Texas Farm Bureau, with an average annual offer of $610, is the cheapest carrier for the car model year. Find the average annual and monthly rates from more cheap car insurance companies in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | $610 | $51 |
| Vermont Mutual | $630 | $53 |
| Erie | $867 | $72 |
| Country | $936 | $78 |
| Arbella | $942 | $79 |
| Acuity | $1,006 | $84 |
| Southern Farm Bureau | $1,016 | $85 |
| MetLife | $1,068 | $89 |
| Nationwide | $1,069 | $89 |
| Tennessee Farmers | $1,098 | $92 |
| USAA | $1,116 | $93 |
The average insurance cost for a 2015 Dodge Journey is $850, or about $71 per month. The average cheapest rate offered by Erie is $610. Go through more rates in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $610 | $51 |
| Texas Farm Bureau | $664 | $55 |
| USAA | $703 | $59 |
| Progressive | $740 | $62 |
| State Farm | $758 | $63 |
| Vermont Mutual | $808 | $67 |
| Tennessee Farmers | $825 | $69 |
| Nationwide | $915 | $76 |
| Plymouth Rock Insurance | $941 | $78 |
| Acuity | $955 | $80 |
| American Family | $972 | $81 |
The average annual insurance cost for the 2014 Dodge Journey is $825. Texas Farm Bureau offers the lowest premium rate for the car model year. The average monthly insurance offer from the provider is $586. The cheap rates from various companies range between $49 and $80. Go through cheap Dodge Journey auto insurance rates by respective insurers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | $586 | $49 |
| Erie | $604 | $50 |
| USAA | $688 | $57 |
| Progressive | $737 | $61 |
| Vermont Mutual | $749 | $62 |
| State Farm | $790 | $66 |
| Tennessee Farmers | $797 | $66 |
| Acuity | $916 | $76 |
| Plymouth Rock Insurance | $923 | $77 |
| Nationwide | $931 | $78 |
| Country | $955 | $80 |
Texas Farm Bureau is the cheapest insurance provider for Dodge Journey 2013 model year. The average annual offer from the carrier is $577, which is $263 cheaper than the overall average for the car model year, $840. The insurer is followed by Erie, USAA, etc.
Find the respective rates in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | $577 | $48 |
| Erie | $621 | $52 |
| USAA | $706 | $59 |
| Vermont Mutual | $750 | $63 |
| Progressive | $788 | $66 |
| Tennessee Farmers | $806 | $67 |
| State Farm | $825 | $69 |
| Plymouth Rock Insurance | $894 | $75 |
| Acuity | $929 | $77 |
| American Family | $937 | $78 |
| Arbella | $953 | $79 |
The cheapest annual average rate for the 2012 Dodge Journey model is $532. Insurers such as Erie, USAA, and more offer cheap insurance rates for car model years. Go through the annual and monthly costs for each of them in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | $532 | $44 |
| Erie | $623 | $52 |
| USAA | $670 | $56 |
| Vermont Mutual | $688 | $57 |
| Progressive | $745 | $62 |
| Tennessee Farmers | $763 | $64 |
| State Farm | $798 | $67 |
| Acuity | $863 | $72 |
| Plymouth Rock Insurance | $884 | $74 |
| Nationwide | $940 | $78 |
| Arbella | $942 | $79 |
Cheap Dodge Journey insurance rates for 2011 model year range between $46 and $77. Erie offers the cheapest average annual rate for the model year. While the overall average insurance rate for the 2011 Dodge Journey is $802, Erie offers $554. Apart from the carrier Texas Farm Bureau, USAA and many more carriers have cheaper rates, as mentioned in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $554 | $46 |
| Texas Farm Bureau | $588 | $49 |
| USAA | $649 | $54 |
| Vermont Mutual | $668 | $56 |
| Progressive | $688 | $57 |
| Tennessee Farmers | $762 | $64 |
| State Farm | $837 | $70 |
| Arbella | $860 | $72 |
| Plymouth Rock Insurance | $870 | $73 |
| Country | $924 | $77 |
| American Family | $929 | $77 |
The best safety features of the Dodge Journey ensure passenger safety and lower insurance costs at the same time. Learn some of the features present in Dodge Journey that could lower the annual insurance cost.
Ratings given by bodies such as IIHS and NHTSA are highly weighed by insurers to calculate the insurance rate. Cars with higher ratings are supposed to get cheaper premiums. Here is an overview of the outcomes based on tests carried out by the Insurance Institute for Highway Safety report on Dodge Journey.
| IIHS Safety Test Type | Test Ratings |
|---|---|
| Small overlap front: driver-side | Poor |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
| Headlights | Poor |
| LATCH ease of use | Marginal |
Dodge Journey received 4 -star safety rating from the National Highway Traffic Safety Administration. Find the overview of the outcome of the safety test conducted by NHTSA in the table below.
| NHTSA Safety Test Type | Test Ratings |
|---|---|
| Frontal Barrier for Driver | 5 Star |
| Frontal Barrier for Passenger | 4 Star |
| Side Barrier | 5 Star |
| Side Pole | 5 Star |
| Combined Side Barrier and Pole | 5 Star |
| Rollover Resistance | 4 Star |
| Dynamic Tip Result | No Tip |
| Rollover Risk | 18.50% |
The Dodge Journey insurance rate is moderate. You can get much cheaper rates following the steps listed below.
Shop Around Annually : Insurance companies revise the rates for most car models annually. Therefore, search for cheap Dodge Journey insurance quotes from various carriers to cut down the premium cost.
Increase Your Deductible : Older Dodge Journey models have lower comprehensive and collision coverages with higher rates. Therefore, the deductibles should be raised, and the insurance cost should be cut.
Bundle Policies : If you own any home or multiple car insurance with the same carrier, bundle the policies.
Ask for Discounts : Various insurers offer discounts such as safe driver, good student, low mileage, anti-theft device, etc. Check your eligibility and opt for the best discounts.
Park Smartly : Garage parking is one of the best ways to secure your car. Declaring it on your car insurance application can result in lowering the Dodge Journey car insurance cost.
The easiest method to find the best Dodge Journey car insurance rates is by comparing quotes from multiple carriers. To get quotes from various insurers, either go to the insurer websites directly, or use online comparison tools such as the Way app.
Insurer Websites : The insurer website shows accurate rates for your Dodge Journey. You will have to visit the sites one after another and enter the vehicle, coverage, and driver details each time.
Online Comparison Tools : Platforms such as Way can bring you quotes from over 140 cheap car insurance providers. Only enter the relevant details once and get the comparison from the carriers of your choice.
Looking for affordable car insurance for your trusty Dodge Journey? Look no further than Way! Not only will you get great rates, but you'll also be able to laugh with our friendly agents. We don't charge an arm or a leg... just a tire and a wiper blade! So why wait? Get your quote today and enjoy big savings on car insurance!
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
A full coverage policy for a Dodge Journey costs about $1,488 per year or $124 per month.
Texas Farm Bureau is the cheapest insurance provider for Dodge Journey. The average annual insurance rate offered by the carrier is $611.
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