Compare the Cost of Dodge Journey Insurance by Model Year and Company
MoneyGeek found that insurance for a Dodge Journey costs an average of $1,358 per year, cheaper than other models. State Farm is the most affordable insurer, but this may change based on your age, model year and provider.
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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.
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Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Dodge Journey.
These rates were updated to reflect the average cost of car insurance for a Dodge Journey as of 2023.
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.
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
Provides the most affordable average rate among insurers in our comparison group
Has the second-highest customer satisfaction rating
Lacks gap insurance, deductible modification and original equipment manufacturer (OEM) coverage
Has a below-average claims management score
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.
MoneyGeek Runner-Up: GEICO
Ranked second for affordability
Has an above-average customer satisfaction rating
Offers mechanical breakdown insurance (MBI) and accident forgiveness
No OEM coverage
Has a poor claims management score
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.
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.
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.
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.
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.