Car Insurance Quotes for a Dodge Journey

The average annual premium for a Dodge Journey is $1,548 for full coverage and $410 for minimum liability.

Many factors affect car insurance premiums paid by Journey drivers, including one’s age, gender, driving record, liability limits, and eligibility for Good Driver discounts.

Drivers have select coverage options to choose from, including state minimum and full coverage. State minimum liability provides third-party benefits for bodily injury and property damage, whereas full coverage may include first-party benefits like collision and comprehensive insurance.

If any of this sounds confusing, Freeway Insurance is ready to help you navigate all of your options to find the right policy for you and your family.

Drivers can benefit from many types of auto insurance policies, including but not limited to state minimum liability and full.

Full Coverage

A full coverage policy offers significantly greater protections than a state minimum liability policy. It generally consists of liability, collision, and comprehensive insurance with optional selections like roadside assistance, rental car reimbursement, underinsured/uninsured motorist coverage (UIM/UM), and medical payments (MedPay) coverage.

Liability offers third-party benefits, paying for the cost of damages or injury sustained by other drivers in an at-fault accident you cause.

Collision covers all damages related to accidents and includes help paying for repair or replacement up to specified liability limits. In turn, comprehensive pays for non-collision-related damages caused by things outside your control, such as theft, falling tree limbs, and vandalism.

A single car accident could cause $84,000 in hospital bills and $16,000 in property damage. Both eclipse the required minimums in California. Failure to obtain full coverage could result in thousands and thousands of dollars in out-of-pocket costs, wreaking havoc on your monthly budgeting for the months and years to come.

State Minimum Liability

Every state requires drivers to carry minimum liability insurance to drive legally within its borders.

A state minimum liability policy generally consists of two add-ons: bodily injury and property damage liability, up to specific liability limits.

For example, Texas drivers have less strict liability limits ($30,000 bodily injury liability per person, $60,000 bodily injury liability coverage per accident, and $25,000 in property damage liability).

In a severe accident, state minimum liability insurance may not be enough. Therefore, purchasing additional coverage to cover a broader range of scenarios is good.

Drivers can benefit from many types of auto insurance policies, including but not limited to state minimum liability and full.

Full Coverage

A full coverage policy offers significantly greater protections than a state minimum liability policy. It generally consists of liability, collision, and comprehensive insurance with optional selections like roadside assistance, rental car reimbursement, underinsured/uninsured motorist coverage (UIM/UM), and medical payments (MedPay) coverage.

Liability offers third-party benefits, paying for the cost of damages or injury sustained by other drivers in an at-fault accident you cause.

Collision covers all damages related to accidents and includes help paying for repair or replacement up to specified liability limits. In turn, comprehensive pays for non-collision-related damages caused by things outside your control, such as theft, falling tree limbs, and vandalism.

A single car accident could cause $84,000 in hospital bills and $16,000 in property damage. Both eclipse the required minimums in California. Failure to obtain full coverage could result in thousands and thousands of dollars in out-of-pocket costs, wreaking havoc on your monthly budgeting for the months and years to come.

State Minimum Liability

Every state requires drivers to carry minimum liability insurance to drive legally within its borders.

A state minimum liability policy generally consists of two add-ons: bodily injury and property damage liability, up to specific liability limits.

For example, Texas drivers have less strict liability limits ($30,000 bodily injury liability per person, $60,000 bodily injury liability coverage per accident, and $25,000 in property damage liability).

In a severe accident, state minimum liability insurance may not be enough. Therefore, purchasing additional coverage to cover a broader range of scenarios is good.

Many factors influence the cost of premiums for Dodge Journey drivers, including your age, gender, driving habits, vehicle make/model, and zip code of residence.

Expect younger drivers to pay significantly higher premiums than older drivers, thanks to a lack of experience and higher claims activity. The same applies to driving habits. The cleaner your driving record over time, the lower your premiums. Even a single speeding ticket, at-fault accident, or DUI conviction can cause your premiums to double (even triple in some circumstances).

Another factor influencing the cost of premiums for drivers is the vehicle make and model. Expect luxury and electric vehicles to be significantly more expensive to insure, thanks to the higher cost of repairing or replacing parts. On the other hand, there’s also a good chance older vehicles will be less expensive to insure than newer vehicles due to the lower cost of parts.

Unfortunately, DUI convictions on your driving record will wreak havoc on your premiums, causing them to double or triple depending on the circumstances.

Even first-time DUI offenses can increase your premiums by up to 80% or higher, with exact percentage increases depending on your state of residence, the insurance company, the time since your last DUI conviction, the number of DUIs convictions on your record, and other factors.

Depending on the state, DUI-convicted drivers may need to file an SR-22 form with their state’s Department of Motor Vehicles. An SR-22 form is a certificate of financial responsibility that lets the state know drivers are carrying the minimum required liability coverage to drive legally. Expect to be in active SR-22 status for a minimum of three years.

The Dodge Journey is a vehicle in the van segment.

It comes in two trims: the SE Value and Crossroad, along with a single 172-horsepower four-cylinder engine option with front-wheel drive and a four-speed automatic transmission.

Standard features on the SE Value include a six-speaker stereo, keyless entry, a 4.3-inch touchscreen, and a rearview camera. Upgrading to the higher trim, Crossroad offers a larger 8.4-inch touch screen, tri-zone automatic climate control, sunroof, alloy wheels, and a leather-wrapped steering wheel.

Main competitors are the Honda CR-V, Mazda CX5, Hyundai Tucson, and Toyota RAV4.