Dodge Journey Insurance
And how to get the lowest premiums.
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Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.
Reviewed by
Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.
Insuring your Dodge Journey with the right types and amounts of coverage can seem confusing. There are a lot of factors that insurance companies use to come up with car insurance rates. You need a company and an insurance agent that you can count on for great service. An independent insurance agent can help you understand your options so you can choose the best combination of coverage and value for your Dodge Journey.
Not sure where to look?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Dodge Journey.
What Kind of Insurance Do You Need for Your Dodge Journey?
Bodily Injury Liability
Bodily injury liability pays for the costs associated with injuries sustained by someone else if you cause an accident.
Property Damage Liability
If you cause damage to someone else's property, your property damage liability policy may pay the replacement or repair costs. In some areas of the country, there are laws that dictate the minimum amount of this type of insurance that you must carry.
Medical Payments/Personal Injury Protection
If you are in an accident and require medical attention, medical payments could cover the associated costs. In some states, you must carry personal injury protection, which typically covers more than medical payments insurance.
Uninsured Motorist Coverage
If another driver causes an accident, their liability insurance should pay for the damage. They may not have the auto insurance coverage they need to handle those costs, however. If you are in an accident with someone who doesn't have insurance, your uninsured and underinsured motorist coverage kicks in to pick up your medical and repair bills.
Optional Coverage:
Collision
Collision coverage handles repair or replacement expenses if your car is in a covered accident. Collision insurance isn't right for every driver, though. Your agent can help you understand how this type of insurance could benefit you, and whether it makes sense for your situation.
Comprehensive
Your comprehensive coverage policy pays to fix or replace your vehicle if it's damaged in an incident other than a collision or roll-over accident. Wind, hail, theft, falling objects, and vandalism are usually covered by comprehensive insurance.
Glass Coverage
You may be able to add coverage for a broken or cracked windshield to your auto insurance for a few dollars each month. Even if your broken windshield is covered by your comprehensive policy, the cost may not add up to more than your deductible. Glass coverage varies by state, but it's a smart addition if it's available where you live.
Gap Insurance
If your new Dodge Journey is totaled in a covered accident, your insurance company pays the fair market value of the vehicle. You may have to pay the difference out of pocket if you owe more to a loan or lease company than your car is worth. It may be less expensive to purchase gap coverage from an insurance company as part of your auto insurance package than it would be to get it from a car dealership.
What Affects the Cost of Insurance for Your Dodge Journey?
Annual Mileage: If you drive your Journey more than 10,000 - 15,000 miles each year, you may have a slightly higher premium.
Your Driving Record: If you don't have an at-fault accident on your driving record, you could save as much as 40% on your insurance premiums compared to someone with moving violations or accidents.
The Value of Your Vehicle: 2020 Dodge Journey prices start at about $24,000, which is comparable to the starting price of a Honda CR-V or a Ford Edge.
Average Dodge Journey Insurance Costs
An average 40-year-old Dodge Journey driver with a good driving record and a $500 deductible pays $1,384 per year for full coverage. Lowering the deductible to $100 causes a $372 premium increase.
Your individual circumstances dictate how much you'll pay to insure your Dodge Journey. Drivers with an at-fault accident or moving violations should expect to pay higher-than-average rates.
The Safety of Your Dodge Journey
The NHTSA gave the 2020 Dodge Journey an overall four-out-of-five-star safety rating. The IIHS gave it a "good" rating in nearly every crash-test category, except for the headlights results and the small overlap front passenger test results, both of which received a "poor" rating.
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How Location Affects Your Dodge Journey Insurance
If you live in a large city, you are statistically more likely to be involved in an auto accident. Longer drive times and congested roads mean heavy traffic could be more dangerous. Drivers who live in rural areas typically pay lower insurance premiums.
Additional Factors that Affect Your Dodge Journey Insurance Premiums
- Safety features like anti-theft devices
- Your age
- Your gender
- The deductible you choose
- Your credit rating
Average Cost to Insure a Dodge Journey
| Average annual cost to insure a Dodge Journey with full coverage: | $1,724 |
| Teens: | $5,074 |
| High-Risk Drivers: | $2,976 |
| High Deductibles: | $1,188 |
| Low Deductibles: | $1,756 |
| Top 3 most expensive states for Dodge Journey insurance: | |
| New York, Michigan, Florida | $1,870 |
| Top 3 most affordable states for Dodge Journey insurance: | |
| Wisconsin, Vermont, North Carolina | $910 |
Top Independent Insurance Carriers That Insure the Dodge Journey
According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D .Power, the following companies provide excellent service to their insurance customers:
Get a Dodge Journey Quote
An independent agent has access to many insurance companies and can get you multiple auto insurance quotes. They can help you find the right company and the ideal combination of value and coverage for your Dodge Journey. Use the TrustedChoice.com Find an Agent tool to locate an agent near you so you can get in touch with an independent agent, today.