The Dodge Journey is a mid-size crossover SUV that first debuted in the U.S. in 2007. However, Dodge discontinued the Journey after the 2020 model year. If you still drive a Dodge Journey, it must be protected by the right car insurance.
When you're ready to shop for Journey insurance, a local independent insurance agent can also help you find the best coverage. They know which carriers offer quality Dodge insurance at a great rate. But first, here's a breakdown of Dodge Journey insurance costs by model year and top-rated insurance company for 2026.
Key Takeaways - Dodge Journey Insurance
Dodge Journey insurance costs an average of $1,628 per year, or about $136 per month, for full coverage in 2026.
Progressive, USAA, and American Family are the cheapest carriers for model-year 2020 Dodge Journey insurance this year.
Dodge Journey insurance rates vary widely by state, with good drivers in Idaho paying an average of only $891 per year for full coverage, while those in Minnesota pay $3,860.
Teen drivers pay by far the most, on average, for Dodge Journey insurance, while adults pay much lower rates until they reach their senior years.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Dodge Journey model.
What Is Dodge Journey Insurance?
Dodge Journey insurance is a special type of car insurance policy that tailors coverage to your unique vehicle. As a mid-size crossover SUV, your Journey may need additional protection compared to a sedan. However, the Journey's average car insurance rates tend to be cheaper than those for other SUVs.
Recommended coverage options for Dodge Journey drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Dodge Journey:
- Dodge warranty insurance: This can extend Dodge's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Dodge parts during the repair process.
- Gap insurance: If you have a new or financed Dodge vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
A local independent insurance agent can help you get set up with all the required coverage for a Dodge Journey in your state. Having at least the minimum required auto insurance helps you avoid state penalties, such as fines.
How Much Does Dodge Journey Insurance Cost?
The average cost of full coverage car insurance for a Dodge Journey is $1,628 per year, or about $136 per month. However, several factors can influence the cost of Dodge insurance, including:
- The specific type of Journey you drive
- The types and amount of coverage you need
- Your location
- Your driving history
- Your claims history
- Your credit score (where allowed)
An independent insurance agent can help you find affordable Dodge Journey insurance near you.
Is the Dodge Journey Expensive to Insure?
No, the Dodge Journey isn't expensive to insure on average. The Journey's average monthly insurance rates are considerably cheaper than those for other Dodge vehicles and other SUVs.
| Vehicle | Average Monthly Cost of Car Insurance |
| Dodge Journey | $136 |
| All Dodges | $186 |
| All SUVs | $184 |
Dodge Journey Insurance Costs by Model Year
Next, we'll break down several model years of the Dodge Journey and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2020 Dodge Journey | $731 |
| 2019 Dodge Journey | $622 |
| 2018 Dodge Journey | $445 |
| 2017 Dodge Journey | $570 |
| 2016 Dodge Journey | $521 |
| 2015 Dodge Journey | $365 |
| 2014 Dodge Journey | $604 |
| 2013 Dodge Journey | $460 |
| 2012 Dodge Journey | $386 |
| 2011 Dodge Journey | $614 |
| 2010 Dodge Journey | $346 |
Cheapest Dodge Journey Car Insurance Companies for 2026
You can find affordable Journey insurance from many different carriers. These top-rated car insurance companies provide the cheapest model-year 2020 Dodge Journey insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,464 |
| USAA | $1,502 |
| American Family | $1,646 |
| Erie | $1,803 |
| Nationwide | $2,716 |
| Allstate | $2,767 |
Dodge Journey Car Insurance Rates by State and Driver Profile
Your state, driving history, and credit can significantly affect the cost of your car insurance. Here are some average Dodge Journey car insurance rates by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Arizona | $2,041 | $2,966 | $3,746 |
| Arkansas | $1,694 | $2,325 | $2,278 |
| California | $1,908 | $2,733 | $4,062 |
| Colorado | $2,104 | $3,291 | $3,593 |
| Connecticut | $2,315 | $4,105 | $2,343 |
| Delaware | $2,171 | $3,033 | $3,867 |
| Florida | $2,786 | $4,302 | $5,439 |
| Georgia | $2,304 | $3,047 | $3,926 |
| Hawaii | $2,719 | $3,773 | $4,926 |
| Idaho | $891 | $1,197 | $889 |
| Illinois | $1,551 | $2,056 | $2,503 |
| Indiana | $1,600 | $2,429 | $2,782 |
| Iowa | $1,655 | $2,537 | $2,835 |
| Kansas | $1,336 | $1,796 | $2,119 |
| Kentucky | $1,749 | $2,532 | $2,998 |
| Louisiana | $2,542 | $3,726 | $4,373 |
| Maine | $3,245 | $4,892 | $5,308 |
| Maryland | $1,243 | $1,700 | $2,495 |
| Massachusetts | $2,002 | $2,882 | $3,205 |
| Michigan | $1,601 | $2,768 | $1,576 |
| Minnesota | $3,860 | $5,843 | $9,234 |
| Mississippi | $1,565 | $2,107 | $2,964 |
| Missouri | $1,922 | $2,725 | $2,747 |
| Montana | $1,805 | $2,555 | $3,392 |
| Nebraska | $1,833 | $2,538 | $2,958 |
| Nevada | $1,548 | $2,286 | $2,496 |
| New Hampshire | $2,541 | $3,797 | $3,985 |
| New Jersey | $1,776 | $2,800 | $3,529 |
| New Mexico | $1,941 | $3,079 | $3,997 |
| New York | $1,985 | $2,988 | $3,080 |
| North Carolina | $1,832 | $2,331 | $3,884 |
| North Dakota | $1,164 | $1,950 | $1,409 |
| Ohio | $1,579 | $2,394 | $2,839 |
| Oklahoma | $1,389 | $2,153 | $2,224 |
| Oregon | $2,253 | $3,195 | $3,596 |
| Pennsylvania | $2,022 | $2,733 | $3,277 |
| Rhode Island | $1,719 | $2,535 | $2,961 |
| South Carolina | $2,848 | $4,190 | $4,710 |
| South Dakota | $1,928 | $2,697 | $3,700 |
| Tennessee | $1,759 | $2,503 | $2,907 |
| Texas | $2,069 | $3,006 | $4,009 |
| Utah | $2,068 | $2,974 | $3,721 |
| Vermont | $1,746 | $2,478 | $3,399 |
| Virginia | $1,331 | $2,099 | $2,203 |
| Washington | $1,280 | $1,944 | $1,917 |
| West Virginia | $1,685 | $2,283 | $2,717 |
| Wisconsin | $1,706 | $2,427 | $3,034 |
| Wyoming | $1,675 | $2,619 | $3,011 |
| Wyoming | $1,576 | $2,189 | $2,348 |
Average Dodge Journey Insurance Rates by Age and Driver Profile
A driver's age can also significantly affect auto insurance costs. While teens and young drivers pay the most for coverage, car insurance rates tend to fall dramatically around age 25.
Once a driver reaches their senior years, auto insurance rates start to climb again. Here are some average Dodge Journey insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,081 | $8,904 | $10,396 |
| 20 | $4,664 | $6,863 | $8,029 |
| 25 | $2,743 | $4,020 | $4,717 |
| 30 | $2,134 | $3,128 | $3,656 |
| 35 | $2,002 | $2,952 | $3,415 |
| 40 | $1,900 | $2,807 | $3,287 |
| 45 | $1,863 | $2,739 | $3,207 |
| 55 | $1,714 | $2,522 | $2,944 |
| 65 | $1,788 | $2,644 | $3,057 |
| 75 | $2,254 | $3,333 | $3,893 |
Best Dodge Journey Insurance Discounts: How to Lower Your Dodge Journey Insurance Premiums
Want to save as much money as possible on your Dodge Journey insurance? Follow the steps below to potentially reduce your insurance rates:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Dodge may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about Dodge Journey insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Compare quotes from multiple carriers: Comparing Dodge Journey insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Dodge Journey insurance from a trusted carrier near you.
A local independent insurance agent can recommend even more ways you can possibly lower your Dodge Journey premium rates even further.
An Independent Insurance Agent Can Help You Get the Best Dodge Journey Insurance Quotes
When it's time to find the most affordable Dodge Journey insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Dodge Journey coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Dodge Journey Insurance
How much does Dodge Journey insurance cost per year?
The average annual cost of full coverage for a Dodge Journey is $1,628 per year, or about $136 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Dodge Journey insurance premiums?
Having prior claims, traffic violations or accidents on your record, poor credit, or living in a high-theft rate area can all increase the cost of your Dodge Journey insurance.
Is the Dodge Journey expensive to insure?
No, the Dodge Journey isn't expensive to insure on average. While the Dodge Journey's average monthly insurance cost is only $136, the average for other SUVs is $184.
What are the best and cheapest carriers for Dodge Journey insurance in 2026?
We found that Progressive, USAA, and American Family are the best and cheapest car insurance companies for model-year 2020 Dodge Journey insurance this year.
How can I get cheaper Dodge Journey insurance?
Finding cheaper Dodge Journey insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Other Dodge Models
Sources
https://www.insuranceopedia.com/auto-insurance/dodge-journey-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/dodge/journey/