Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a used Dodge Journey? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Dodge Journey insurance facts

  • Average full coverage auto insurance premium: $110/month

  • Most affordable companies: Auto-Owners ($76/month) & USAA ($81/month)

  • Journey insurance cost vs. average rates: $39 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Dodge Journey by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Dodge Journey insurer costs by state:

Risk factors affecting Dodge Journey car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Dodge Journey car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Dodge models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Dodge Automobile Brand

Dodge is an American brand of automobiles specializing in performance sports cars. The large diversified target market of Dodge includes middle-income customers that demand high-end design, sporty vehicle that’s affordable. All Dodge automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Dodge Grand Caravan, Durango, and Charger are some of their most popular vehicles.

Higher than average Journey repair costs equal higher coverage rates

Many consumers are attracted to Dodge’s high-end features, powerful engines, and driver-assist technologies, like Dodge’s Blind Spot Monitoring. Original Equipment Manufacturer (OEM) automotive parts are common but more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Dodge is above average since repair parts are more costly than average. For this reason, many Dodge’s are going to have higher than average car insurance rates to similar cars in their class.

Rapid depreciation for Journey affecting auto policies

Another factor to consider for Dodge is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Dodge models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Dodge’s are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such a forward collision warning with active braking technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for Dodge models. The Dodge Ram is the Insurance Institute for Highway Safety (IIHS) “Top Safety Pick,” and the NHTSA consistently gives Dodge automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Dodge automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2020 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1534
American Family$1362
Auto-Owners$916
Erie$1040
Farmers$1260
GEICO$1081
Mercury$1425
MetLife$1952
Nationwide$1152
Progressive$1015
Safe Auto$1683
State Farm$1153
Tennessee Farmers$1392
Travelers$1567
USAA$938
Vermont Mutual$1793

Compare all 2020 Dodge Journey rates

Average Cost to Insure Per Year

$1327

List Price

$23675

Trims Available

SE - SXT - V6 Value Package - Crossroad - GT - With driver assist technologies: Launch Control, Launch Assist, Electric Power Steering, Brake Assist, Electronic Brake-Force Distribution, All-Speed Traction Control, Electronic Stability Control, and Hill-Start Assist - with standard safety features: 7 Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor

2019 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1479
American Family$1333
Auto-Owners$896
Direct Auto$1427
Erie$1027
Farmers$1246
GEICO$1055
MetLife$1925
Nationwide$1124
Progressive$976
Safe Auto$1648
State Farm$1130
Tennessee Farmers$1350
Travelers$1536
USAA$924
Vermont Mutual$1750

Compare all 2019 Dodge Journey rates

Average Cost to Insure Per Year

$1250

List Price

$23895

Trims Available

SE - SXT - V6 Value Package - Crossroad - GT - - With driver assist technologies: Launch Control, Launch Assist, Electric Power Steering, Brake Assist, Electronic Brake-Force Distribution, All-Speed Traction Control, Electronic Stability Control, and Hill-Start Assist - with standard safety features: 7 Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor

2018 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1153
Acuity$ 1153
Allied$ 999
Allied$ 999
Country$ 1216
Country$ 1216
Erie$ 858
Erie$ 858
GEICO$ 922
GEICO$ 922
Nationwide$ 1040
Nationwide$ 1040
Plymouth Rock Insurance$ 1092
Plymouth Rock Insurance$ 1092
Progressive$ 978
Progressive$ 978
State Farm$ 1101
State Farm$ 1101
Tennessee Farmers$ 915
Tennessee Farmers$ 915
USAA$ 1012
USAA$ 1012
Vermont Mutual$ 1052
Vermont Mutual$ 1052

Compare all 2018 Dodge Journey rates

Average Cost to Insure Per Year

$ 1211

List Price

$ 22995

Trims Available

SE - SXT - V6 Value Package - Crossroad - GT

2017 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1126
Acuity$ 1126
Allied$ 1031
Allied$ 1031
Erie$ 738
Erie$ 738
GEICO$ 667
GEICO$ 667
Nationwide$ 990
Nationwide$ 990
Plymouth Rock Insurance$ 1068
Plymouth Rock Insurance$ 1068
Progressive$ 871
Progressive$ 871
State Farm$ 949
State Farm$ 949
Tennessee Farmers$ 991
Tennessee Farmers$ 991
Texas Farm Bureau$ 790
Texas Farm Bureau$ 790
USAA$ 878
USAA$ 878
Vermont Mutual$ 994
Vermont Mutual$ 994

Compare all 2017 Dodge Journey rates

Average Cost to Insure Per Year

$ 1025

List Price

$ 21195

Trims Available

SE - SXT - Crossroad - Crossroad Plus - GT

2016 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1066
Acuity$ 1066
Allied$ 1038
Allied$ 1038
Erie$ 701
Erie$ 701
GEICO$ 614
GEICO$ 614
Nationwide$ 968
Nationwide$ 968
Plymouth Rock Insurance$ 1045
Plymouth Rock Insurance$ 1045
Progressive$ 833
Progressive$ 833
State Farm$ 994
State Farm$ 994
Tennessee Farmers$ 885
Tennessee Farmers$ 885
Texas Farm Bureau$ 682
Texas Farm Bureau$ 682
USAA$ 828
USAA$ 828
Vermont Mutual$ 924
Vermont Mutual$ 924

Compare all 2016 Dodge Journey rates

Average Cost to Insure Per Year

$ 964

List Price

$ 20995

Trims Available

SE - SXT - Crossroad - Crossroad Plus - R/T

2015 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1027
Acuity$ 1027
American Family$ 1044
American Family$ 1044
Erie$ 682
Erie$ 682
GEICO$ 565
GEICO$ 565
Nationwide$ 987
Nationwide$ 987
Plymouth Rock Insurance$ 1013
Plymouth Rock Insurance$ 1013
Progressive$ 812
Progressive$ 812
State Farm$ 830
State Farm$ 830
Tennessee Farmers$ 897
Tennessee Farmers$ 897
Texas Farm Bureau$ 736
Texas Farm Bureau$ 736
USAA$ 775
USAA$ 775
Vermont Mutual$ 880
Vermont Mutual$ 880

Compare all 2015 Dodge Journey rates

Average Cost to Insure Per Year

$ 922

List Price

$ 20695

Trims Available

American Value Package - SE - SXT - Crossroad - Limited - R/T

2014 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 988
Acuity$ 988
Country$ 1027
Country$ 1027
Erie$ 676
Erie$ 676
GEICO$ 544
GEICO$ 544
Nationwide$ 1003
Nationwide$ 1003
Plymouth Rock Insurance$ 995
Plymouth Rock Insurance$ 995
Progressive$ 809
Progressive$ 809
State Farm$ 862
State Farm$ 862
Tennessee Farmers$ 869
Tennessee Farmers$ 869
Texas Farm Bureau$ 658
Texas Farm Bureau$ 658
USAA$ 760
USAA$ 760
Vermont Mutual$ 821
Vermont Mutual$ 821

Compare all 2014 Dodge Journey rates

Average Cost to Insure Per Year

$ 897

List Price

$ 19995

Trims Available

American Value Package - SE - SXT - Crossroad - Limited - R/T

2013 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1001
Acuity$ 1001
American Family$ 1009
American Family$ 1009
Arbella$ 1025
Arbella$ 1025
Erie$ 693
Erie$ 693
GEICO$ 650
GEICO$ 650
Plymouth Rock Insurance$ 966
Plymouth Rock Insurance$ 966
Progressive$ 860
Progressive$ 860
State Farm$ 897
State Farm$ 897
Tennessee Farmers$ 878
Tennessee Farmers$ 878
Texas Farm Bureau$ 649
Texas Farm Bureau$ 649
USAA$ 778
USAA$ 778
Vermont Mutual$ 822
Vermont Mutual$ 822

Compare all 2013 Dodge Journey rates

Average Cost to Insure Per Year

$ 912

List Price

$ 18995

Trims Available

American Value Package - SE - SXT - Crew - R/T

2012 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 935
Acuity$ 935
Arbella$ 1014
Arbella$ 1014
Erie$ 695
Erie$ 695
GEICO$ 543
GEICO$ 543
Nationwide$ 1012
Nationwide$ 1012
Plymouth Rock Insurance$ 956
Plymouth Rock Insurance$ 956
Progressive$ 817
Progressive$ 817
State Farm$ 870
State Farm$ 870
Tennessee Farmers$ 835
Tennessee Farmers$ 835
Texas Farm Bureau$ 604
Texas Farm Bureau$ 604
USAA$ 742
USAA$ 742
Vermont Mutual$ 760
Vermont Mutual$ 760

Compare all 2012 Dodge Journey rates

Average Cost to Insure Per Year

$ 873

List Price

$ 18995

Trims Available

American Value Package - SE - SXT - Crew - R/T - Lux

2011 Dodge Journey

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1001
American Family$ 1001
Arbella$ 932
Arbella$ 932
Country$ 996
Country$ 996
Erie$ 626
Erie$ 626
GEICO$ 534
GEICO$ 534
Plymouth Rock Insurance$ 942
Plymouth Rock Insurance$ 942
Progressive$ 760
Progressive$ 760
State Farm$ 909
State Farm$ 909
Tennessee Farmers$ 834
Tennessee Farmers$ 834
Texas Farm Bureau$ 660
Texas Farm Bureau$ 660
USAA$ 721
USAA$ 721
Vermont Mutual$ 740
Vermont Mutual$ 740

Compare all 2011 Dodge Journey rates

Average Cost to Insure Per Year

$ 875

List Price

$ 22245

Trims Available

Express - Mainstreet - Crew - R/T - Lux