Compare the Cost of Dodge Journey Insurance by Model Year and Company


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Banner image
ByMark Fitzpatrick
Edited byVictoria Copans
ByMark Fitzpatrick
Edited byVictoria Copans

Updated: May 20, 2024

Advertising & Editorial Disclosure

The driver's and vehicle's ages significantly impact the cost of car insurance for a Dodge Journey. For instance, a 40-year-old driver pays an average of $1,190 per year for a full coverage policy for a 2009 model and $1,461 per year for a 2020 model. Meanwhile, a 16-year-old driver pays an average of $5,485 per year for a 2009 model and $6,583 per year for a 2020 model.

MoneyGeek also rated the best car insurance companies for the Dodge Journey based on affordability and service quality.

MoneyGeek Logo IconCar Insurance CostsDodge Journey
2024

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Dodge Journey.

recency icon

These rates were updated to reflect the average cost of car insurance for a Dodge Journey as of 2023.

10Companies Compared
 
35,856 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Dodge Journey

Dodge Journey insurance costs an average of $1,358 per year, but your actual rate will depend on your insurance provider. For example, a full coverage policy costs $1,085 per year from State Farm and $1,532 per year from Progressive.

For a minimum coverage policy, State Farm also offers the cheapest car insurance at $491 per year, while Farmers has the most expensive policy at $759 per year.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,085
GEICOAverage Annual Premium$1,148
TravelersAverage Annual Premium$1,335
NationwideAverage Annual Premium$1,337
AllstateAverage Annual Premium$1,397
FarmersAverage Annual Premium$1,514
ProgressiveAverage Annual Premium$1,532

Is a Dodge Journey Expensive to Insure?

The cost of insurance for a Dodge Journey will depend on various factors. As a mid-size crossover SUV, the Dodge Journey is generally affordable to insure. Based on recent data from the National Highway Traffic Safety Administration (NHTSA), this vehicle has low theft rates, making it less risky to insure. Additionally, a 2022 Dodge Journey has an MSRP of $23,987, and its lower value also makes it cheaper to insure.

Best Companies for Insuring a Dodge Journey

Factors such as cost, customer satisfaction and claims management are important considerations when looking for the best car insurance for a Dodge Journey. Consider these two auto insurers as your best options for this make and model:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,085 per year)
  • GEICO: MoneyGeek score of 88 out of 100 ($1,148 per year)

State Farm outshined other insurers in our study for its overall blend of affordability and quality service. This means you won’t have to pay a high price to receive excellent customer service from this company.

MoneyGeek Top Pick: State Farm

State Farm

pros

checkmark

Provides the most affordable average rate among insurers in our comparison group

checkmark

Has the second-highest customer satisfaction rating

cons

close

Lacks gap insurance, deductible modification and original equipment manufacturer (OEM) coverage

close

Has a below-average claims management score

COMPANY HIGHLIGHTS

State Farm offers the best blend of affordability and service quality out of the insurers we evaluated, making it the best car insurance company for a Dodge Journey. Although it has limited options for add-on coverages, the ones available are useful for most drivers.

If you’re stranded on the side of the road because your car breaks down, State Farm’s roadside assistance will pay for the delivery of fuel, oil, a battery or new tires. It also covers the cost of other services, such as towing, mechanical labor and locksmith labor.

Rental car and/or travel reimbursement is also available with State Farm. This covers the cost to rent a car if your Dodge Journey isn’t drivable due to a covered loss. If you get into an accident in your rental car, State Farm will cover up to $500 of your deductible.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

checkmark

Ranked second for affordability

checkmark

Has an above-average customer satisfaction rating

checkmark

Offers mechanical breakdown insurance (MBI) and accident forgiveness

cons

close

No OEM coverage

close

Has a poor claims management score

COMPANY HIGHLIGHTS

GEICO is our runner-up for the best Dodge Journey insurance. This company combines affordable premiums with quality customer service. It also offers rare and valuable add-on coverages, such as MBI and accident forgiveness.

Unlike most dealer-extended warranties, GEICO’s MBI covers all parts and systems on your vehicle at a cheaper price. However, this add-on coverage is only available for vehicles that are less than 15 months old and have been driven less than 15,000 miles.

At-fault accidents can significantly impact your insurance rates. With GEICO’s accident forgiveness coverage, you can prevent a rate increase after your first at-fault accident. This optional coverage can be purchased or earned through safe driving, but it is not available in California, Connecticut or Massachusetts.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Dodge Journey by Model Year

The average cost of car insurance for a given vehicle is significantly affected by the vehicle’s age. A full coverage policy for a 2009 Dodge Journey costs roughly $1,190 per year, but the same policy will cost $271 more for a 2020 model. Older models are often cheaper to insure because a car’s value depreciates over time.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2020Average Annual Premium$1,461
2019Average Annual Premium$1,435
2018Average Annual Premium$1,410
2017Average Annual Premium$1,355
2016Average Annual Premium$1,354
2015Average Annual Premium$1,328
2014Average Annual Premium$1,278
2013Average Annual Premium$1,283
2012Average Annual Premium$1,263
2011Average Annual Premium$1,210
2010Average Annual Premium$1,213
2009Average Annual Premium$1,190

In addition to your vehicle’s age, the provider you choose will also affect insurance rates. We found that State Farm is the most affordable insurance company for a 2009 Dodge Journey, with an average rate of $903 per year for a full coverage policy. GEICO is the cheapest option for a 2020 model, with an average premium of $1,226 per year.

Data filtered by:Results filtered by:
Model Year:
Model Year:2020
Age:
Age:40
Coverage:
Coverage:Full Coverage
GEICOAverage Annual Premium$1,226
State FarmAverage Annual Premium$1,251
NationwideAverage Annual Premium$1,346
TravelersAverage Annual Premium$1,555
AllstateAverage Annual Premium$1,616
FarmersAverage Annual Premium$1,673
ProgressiveAverage Annual Premium$1,693

Cost of Insuring a Dodge Journey for 16- to 25-Year-Olds

The amount you’ll pay for Dodge Journey insurance depends on your age. Typically, car insurance for teens and young adults is significantly more expensive than for middle-aged drivers. For example, the average cost of full coverage auto insurance is $6,020 per year for a 16-year-old with a Dodge Journey and $1,315 per year for a 40-year-old driver with the same car. Rates for teens decrease as they reach young adulthood and stabilize in their 20s.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16Average Annual Premium$6,020
17Average Annual Premium$4,903
18Average Annual Premium$4,296
19Average Annual Premium$2,969
20Average Annual Premium$2,685
21Average Annual Premium$2,066
22Average Annual Premium$1,910
23Average Annual Premium$1,775
24Average Annual Premium$1,684
25Average Annual Premium$1,521

Car insurance rates for teens buying individual policies are very expensive, so it often makes more sense to add a teen driver to a family policy. In addition, teens under 18 legally need a parent or guardian to co-sign if purchasing an individual policy.

For an individual policy, State Farm is the most affordable auto insurer for 16-year-olds with a Dodge Journey at about $4,003 per year, while Progressive is the most expensive at approximately $8,841 per year. As always, it’s best to shop around and compare quotes from multiple providers to find the cheapest option for you.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2020
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$4,003
NationwideAverage Annual Premium$5,332
GEICOAverage Annual Premium$5,745
TravelersAverage Annual Premium$6,154
AllstateAverage Annual Premium$7,587
FarmersAverage Annual Premium$8,510
ProgressiveAverage Annual Premium$8,841

How Does Location Affect the Cost of Dodge Journey Insurance?

Car insurance rates also tend to vary by state, so the cheapest company on average will change depending on where you live. Based on our study, Idaho is the cheapest state for Dodge Journey insurance, while Florida is the most expensive. When shopping around for a policy for a Dodge Journey, gather and compare quotes from different insurers to find the most affordable option in your state.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Dodge Journey Insurance

It’s common to have questions about affordability and service quality while shopping for Dodge Journey insurance. We answered some commonly asked questions to help you gain valuable insight.

What company has the cheapest car insurance for a Dodge Journey?
What company offers the best car insurance for a Dodge Journey?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.