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Dodge Journey Car Insurance: Average Cost, Coverage Options, and How to Save
The Dodge Journey was a popular midsize crossover SUV that Dodge produced from 2009 through 2020. Designed as a family-friendly vehicle with available third-row seating and a budget-friendly price tag, the Journey found a loyal audience among parents, commuters, and value-conscious buyers across the country.
Even though the Journey was discontinued after the 2020 model year, hundreds of thousands of them are still on the road today. If you own one or plan to buy a used Journey, understanding your insurance options is an important part of keeping your ownership costs under control.
The good news is that the Dodge Journey is one of the most affordable Dodge models to insure. Its moderate purchase price, reasonable repair costs, and family-oriented design make it a lower-risk vehicle in the eyes of most insurance companies. In this guide, we break down exactly what Dodge Journey car insurance costs, what affects your rate, and how to save.
How Much Does Dodge Journey Car Insurance Cost?
On average, full coverage car insurance for a Dodge Journey costs between $1,200 and $1,800 per year for a driver with a clean record. That works out to roughly $100 to $150 per month. State minimum liability coverage is significantly less, typically ranging from $50 to $90 per month.
According to multiple industry data sources, the Journey costs less to insure than the average for all Dodge models and is also below the national average for all vehicles. Its affordability as an insurance-friendly vehicle is one of its strongest selling points for used car shoppers.
Average Annual Dodge Journey Insurance Cost by Coverage Level
| Coverage Type | Annual Cost (Approx.) | Monthly Cost (Approx.) |
|---|---|---|
| State Minimum Liability | $600 to $1,080 | $50 to $90 |
| Full Coverage (100/300/100) | $1,200 to $1,800 | $100 to $150 |
| Liability Only (Higher Limits) | $750 to $1,300 | $63 to $108 |
Note: Based on a 35 to 45 year old driver with a clean record and good credit. Your rate may vary.
Dodge Journey Insurance Cost by Model Year
The Journey was produced for over a decade, so there is a wide range of model years on the road. Since every Journey is now at least five years old, their market values have declined, which generally keeps insurance affordable. Here is how costs break down by model year:
| Model Year | Est. Annual Full Coverage | Key Notes |
|---|---|---|
| 2020 Dodge Journey | $1,400 to $1,800 | Final year; SE and Crossroad trims |
| 2019 Dodge Journey | $1,200 to $1,600 | Same platform; value trims available |
| 2018 Dodge Journey | $1,100 to $1,500 | Mid-cycle update; stable pricing |
| 2017 Dodge Journey | $1,050 to $1,400 | Broad trim range |
| 2016 Dodge Journey | $1,000 to $1,350 | Lower value, lower premiums |
| 2015 Dodge Journey | $950 to $1,300 | Good depreciation savings |
| 2014 and older | $850 to $1,200 | Lowest premiums; consider dropping collision |
The 2020 model costs the most to insure because it has the highest residual market value. As you move to older model years, premiums drop steadily. For 2014 and older Journeys, the vehicle’s value may have declined to the point where carrying collision coverage is no longer cost-effective.
What Factors Affect Dodge Journey Insurance Rates?
Your Age and Driving Experience
Young drivers pay the most. An 18 year old insuring a Journey might pay $6,000 to $8,000 per year for full coverage. A 40 year old with the same clean record might pay around $1,200 to $1,500. Rates drop through your 20s and reach their lowest between ages 35 and 65.
Your Driving Record
A clean record is the most powerful factor in keeping your premium low. One at-fault accident can raise your rate by 30% to 50%, and a DUI can more than double it. Three or more clean years unlock safe driver discounts with most carriers.
Where You Live
Your state and ZIP code matter enormously. Michigan drivers consistently pay the most for auto insurance because of the state’s no-fault system. Louisiana and Florida also rank among the most expensive. States like Maine, Idaho, and Vermont offer some of the lowest average rates in the country. Even within a single state, urban areas cost more than rural locations.
Your Credit Score
In most states, insurers use a credit-based insurance score to set your rate. Drivers with excellent credit tend to pay substantially less than those with poor credit. California, Hawaii, Massachusetts, and Michigan limit or prohibit this practice.
The Trim Level and Engine
The Journey came in several trims over its production years, including the SE, SXT, Crossroad, and GT. The base SE with the 2.4-liter four-cylinder engine is the cheapest to insure. The GT and Crossroad trims with the 3.6-liter V6 cost more because of their higher equipment levels and slightly increased performance.
Your Coverage and Deductible Choices
Higher liability limits and lower deductibles increase your premium. Raising your deductible from $500 to $1,000 can save 10% to 15%. On an older, lower-value vehicle like the Journey, this trade-off often makes strong financial sense.
What Insurance Coverage Does Your Dodge Journey Need?
Since every Journey on the road is now a used vehicle, your coverage needs may look different than someone insuring a brand new car. Here is a breakdown:
Liability Insurance (Required)
Liability pays for injuries and property damage you cause to others in an at-fault accident. Every state except New Hampshire requires it. Most experts recommend at least 100/300/100, even on an older vehicle, because liability coverage protects your personal assets, not just your car.
Collision Coverage
Collision pays to repair or replace your Journey after an accident. If you are financing, your lender requires it. For older Journeys (2015 and earlier), weigh the annual cost of collision coverage against the vehicle’s current market value. If your collision premium approaches 10% or more of your Journey’s value, it may be time to drop it.
Comprehensive Coverage
Comprehensive covers theft, vandalism, hail, flooding, animal strikes, and other non-collision events. This coverage is generally inexpensive on the Journey and provides peace of mind, especially if you live in an area prone to severe weather or property crime.
Uninsured and Underinsured Motorist Coverage
About 14% of U.S. drivers are uninsured, according to the Insurance Research Council. If one of them hits your Journey, this coverage pays your medical bills and repair costs. It is especially important in states with high uninsured driver rates like Florida, Mississippi, and New Mexico.
Optional Coverages to Consider
- Rental Reimbursement: Pays for a rental car while your Journey is being repaired after a covered claim. If you rely on your vehicle daily, this inexpensive add-on is well worth it.
- Roadside Assistance: Covers towing, flat tires, lockouts, and jump starts. For an older vehicle like the Journey, this can be especially valuable as components age.
- Medical Payments / Personal Injury Protection (PIP): Pays for your medical expenses after an accident regardless of fault. PIP is required in no-fault states like Florida, Michigan, and New York.
Gap insurance is typically not needed for most Journey owners at this point, since the vehicle has depreciated significantly and most owners will owe less on any remaining loan than the car is worth.
Dodge Journey Safety Features and Their Effect on Insurance
Safety ratings directly influence what you pay for insurance. The Dodge Journey received a 4-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA), which is solid but one step below the top score.
Standard and available safety features across Journey model years include:
- Advanced multistage front airbags
- Supplemental front seat-mounted side airbags
- Side curtain airbags for all three rows
- Electronic Stability Control
- Anti-lock Braking System (ABS)
- Tire Pressure Monitoring System
- Rear backup camera (standard on most trims from 2014 onward)
- Available blind spot monitoring (on higher trims)
The Journey does not include more modern advanced driver-assistance features like automatic emergency braking or forward collision warning, which were not commonly available in its price segment during its production years. As a result, it may not qualify for some of the newer technology-based insurance discounts. However, its airbag system and stability control features still help keep premiums moderate.
Cheapest Insurance Companies for the Dodge Journey
| Insurance Company | Est. Monthly Full Coverage | Best For |
|---|---|---|
| USAA | $75 to $100 | Military families |
| GEICO | $85 to $115 | Clean record drivers |
| State Farm | $90 to $120 | Bundling discounts |
| Erie Insurance | $80 to $110 | Midwest/East Coast drivers |
| Nationwide | $95 to $130 | Multi-policy savings |
| Progressive | $100 to $135 | Young or high-risk drivers |
GEICO and State Farm consistently offer some of the lowest rates specifically for the Dodge Journey. USAA is the cheapest option overall but is limited to military families. Erie Insurance, where available, also provides very competitive pricing. Always compare quotes from at least three to five companies to find the best rate for your specific profile.
Dodge Journey Insurance Cost by State
| State | Est. Annual Full Coverage | Key Factor |
|---|---|---|
| Michigan | $2,800 to $3,800 | No-fault, high PIP costs |
| Louisiana | $2,200 to $3,000 | High litigation rates |
| Florida | $2,000 to $2,700 | High uninsured rate, PIP |
| New York | $2,100 to $2,800 | Dense traffic, no-fault |
| Texas | $1,500 to $2,100 | Severe weather |
| California | $1,400 to $2,000 | High traffic, no credit factor |
| Ohio | $1,000 to $1,400 | Lower cost of living |
| Idaho | $850 to $1,150 | Rural, low crime |
| Maine | $800 to $1,100 | Low population density |
10 Smart Ways to Save on Dodge Journey Insurance
- Compare Quotes from Multiple Companies. This is the most effective strategy. Rates for the same Journey and driver can differ by hundreds of dollars between carriers.
- Bundle Auto with Home or Renters Insurance. Multi-policy discounts of 5% to 25% are standard with most companies.
- Maintain a Clean Driving Record. Three or more violation-free years will qualify you for safe driver discounts at most insurers.
- Raise Your Deductible. Moving from $500 to $1,000 typically saves 10% to 15%. On a lower-value vehicle like the Journey, this makes strong financial sense.
- Consider Dropping Collision on Older Models. If your Journey is a 2015 or older and worth less than $6,000, the cost of collision coverage may exceed the potential payout. Run the numbers before deciding.
- Take a Defensive Driving Course. Many states allow insurers to offer a 5% to 10% discount for completing an approved course.
- Ask About Low-Mileage Discounts. If you drive fewer than 10,000 miles per year, many companies offer a reduced rate.
- Improve Your Credit Score. In states where credit affects rates, raising your score from fair to good can save 15% to 30%.
- Pay Your Premium in Full. Avoiding monthly installment fees saves $50 to $150 per year.
- Ask About Every Available Discount. Common discounts include paperless billing, autopay enrollment, homeowner status, and anti-theft features. Many drivers miss savings simply because they do not ask.
How Does Journey Insurance Compare to Similar Vehicles?
| Vehicle | Est. Annual Full Coverage | Relative to Journey |
|---|---|---|
| Dodge Journey | $1,200 to $1,800 | Baseline |
| Toyota RAV4 (2015-2020) | $1,300 to $1,800 | Similar |
| Honda CR-V (2015-2020) | $1,300 to $1,900 | Similar to Slightly Higher |
| Ford Escape (2015-2020) | $1,200 to $1,700 | Similar |
| Chevrolet Equinox (2015-2020) | $1,250 to $1,750 | Similar |
| Nissan Rogue (2015-2020) | $1,300 to $1,850 | Similar to Slightly Higher |
| Hyundai Santa Fe (2015-2020) | $1,350 to $1,900 | Slightly Higher |
The Journey sits comfortably in the affordable middle of the midsize crossover segment when it comes to insurance. It is competitive with the Ford Escape and Chevrolet Equinox and tends to be slightly cheaper to insure than the Honda CR-V or Hyundai Santa Fe.
Insuring a Discontinued Vehicle: What Journey Owners Should Know
Since the Dodge Journey was discontinued after 2020, there are a few unique insurance considerations:
Parts Availability: Journey parts are still widely available through dealerships, aftermarket suppliers, and salvage yards. Dodge produced the Journey in large numbers for over a decade, so the parts ecosystem is robust. However, availability may gradually decline over the coming years, which could slowly increase repair costs.
Declining Market Value: As the Journey continues to depreciate, your collision and comprehensive premiums should gradually decrease. Review your coverage every year and adjust as the vehicle’s value drops. This is one of the financial advantages of owning a discontinued vehicle.
No New Safety Technology: The Journey’s safety features are fixed at 2009 to 2020 production levels. It will not qualify for the advanced technology discounts that newer vehicles with automatic emergency braking, lane keeping assist, or adaptive cruise control receive.
Reliability and Maintenance: The Journey has a mixed reliability record. Some model years experienced issues with transmissions, electrical systems, and suspension components. Staying current on maintenance can help prevent insurance claims related to breakdowns, and some insurers offer mechanical breakdown coverage as an alternative to extended warranties.
Frequently Asked Questions About Dodge Journey Car Insurance
Yes. The Dodge Journey is one of the most affordable Dodge models to insure and costs less than the national average for all vehicles. Full coverage averages between $1,200 and $1,800 per year for a driver with a clean record. Its moderate repair costs, family-oriented design, and lower market value all contribute to keeping premiums down.
It depends on your financial situation. If you are financing your Journey, your lender requires full coverage. If you own it outright, consider the vehicle's current market value. A 2020 Journey may still be worth $12,000 to $16,000, making full coverage worthwhile. A 2014 model worth $5,000 or less may not justify the cost of collision coverage. Keep comprehensive coverage in most cases because it is inexpensive and protects against theft and weather damage.
Teen drivers face the highest insurance rates regardless of the vehicle. For a Dodge Journey, a teenager can expect to pay roughly $5,000 to $8,000 per year for full coverage on their own policy. The most cost-effective approach is to add the teen to a parent's existing policy, pursue good student discounts (typically 10% to 15% off), and complete a state-approved driver education course.
Dodge discontinued the Journey after 2020 because of shifting consumer preferences. The Journey's platform dated back to 2009, and Stellantis (formerly Fiat Chrysler) chose to focus its resources on newer, more profitable models like the Dodge Hornet, which launched in 2023 as the Journey's spiritual successor. The broader automotive industry was also moving away from budget-oriented crossovers toward more feature-rich and efficient models.
Yes. The Journey received a 4-star overall rating from NHTSA, which is good but one step below the 5-star maximum. This means insurers view it as a reasonably safe vehicle, which helps keep premiums moderate. However, the Journey lacks advanced driver-assistance features like automatic emergency braking, so it does not qualify for the newest technology-based discounts offered by some carriers.
GEICO and State Farm consistently offer some of the lowest rates for Journey owners in industry analyses. USAA is the cheapest overall but is available only to military families. Erie Insurance (where available) is also very competitive. The only way to find the cheapest rate for your specific situation is to compare personalized quotes from multiple companies, because every insurer weighs your individual profile differently.
Find the Best Rate for Your Dodge Journey Today
Insuring a Dodge Journey does not have to be complicated or expensive. With the right coverage choices and a few minutes spent comparing quotes, you can protect your vehicle and your family without stretching your budget.
At AtoZInsuranceUSA, we help drivers compare personalized quotes from multiple trusted carriers. Whether you drive a 2020 Crossroad or a well-maintained 2013 SXT, getting a quote is free, takes just a few minutes, and comes with no obligation. Our team is here to help you find the coverage that fits.
Get your free Dodge Journey insurance quote today and see how much you could save on your coverage.