Volkswagen Touareg vs Dodge Journey Insurance Cost

The Volkswagen Touareg is cheaper to insure by about $95 a year for full coverage by our estimate ($1,225 vs. $1,320), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Volkswagen Touareg	Dodge Journey	Difference
State minimum	$585	$585	—
Standard (100/300/100)	$845	$845	—
Full coverage	$1,225	$1,320	−$95

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Touareg minus Journey.

Why one costs more to insure

Factor	Volkswagen Touareg	Dodge Journey
Segment	Midsize SUV	Midsize SUV
Powertrains	Gasoline, Hybrid, Diesel	Gasoline, Flex-fuel
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	—	4★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	5	7

Touareg vs Journey insurance by state

State	Touareg	Journey	Difference
Alabama	$1,035	$1,125	−$90
Alaska	$1,065	$1,150	−$85
Arizona	$1,295	$1,390	−$95
Arkansas	$1,025	$1,125	−$100
California	$1,170	$1,270	−$100
Colorado	$1,365	$1,480	−$115
Connecticut	$1,335	$1,420	−$85
Delaware	$1,435	$1,515	−$80
District of Columbia	$1,525	$1,650	−$125
Florida	$1,865	$1,955	−$90
Georgia	$1,580	$1,675	−$95
Hawaii	$825	$895	−$70
Idaho	$825	$890	−$65
Illinois	$1,045	$1,130	−$85
Indiana	$855	$925	−$70
Iowa	$780	$860	−$80
Kansas	$930	$1,020	−$90
Kentucky	$1,035	$1,115	−$80
Louisiana	$1,710	$1,835	−$125
Maine	$760	$825	−$65
Maryland	$1,395	$1,490	−$95
Massachusetts	$1,195	$1,290	−$95
Michigan	$1,315	$1,425	−$110
Minnesota	$990	$1,080	−$90
Mississippi	$1,140	$1,240	−$100
Missouri	$1,085	$1,180	−$95
Montana	$925	$1,015	−$90
Nebraska	$930	$1,025	−$95
Nevada	$1,500	$1,575	−$75
New Hampshire	$850	$925	−$75
New Jersey	$1,545	$1,630	−$85
New Mexico	$1,080	$1,170	−$90
New York	$1,705	$1,805	−$100
North Carolina	$865	$950	−$85
North Dakota	$720	$800	−$80
Ohio	$855	$930	−$75
Oklahoma	$1,055	$1,155	−$100
Oregon	$1,140	$1,210	−$70
Pennsylvania	$1,035	$1,125	−$90
Rhode Island	$1,525	$1,620	−$95
South Carolina	$1,355	$1,435	−$80
South Dakota	$850	$950	−$100
Tennessee	$985	$1,075	−$90
Texas	$1,415	$1,540	−$125
Utah	$1,150	$1,220	−$70
Vermont	$750	$825	−$75
Virginia	$1,050	$1,130	−$80
Washington	$1,100	$1,170	−$70
West Virginia	$980	$1,075	−$95
Wisconsin	$810	$885	−$75
Wyoming	$870	$975	−$105

By driver profile (full coverage)

Driver	Touareg	Journey
Teen driver (18, own policy)	$3,370	$3,625
Young adult (22)	$1,960	$2,110
Adult in their 30s	$1,225	$1,320
Adult in their 50s	$1,125	$1,215
Senior (72)	$1,370	$1,475
30s, one at-fault accident	$1,775	$1,910
30s, DUI on record	$2,265	$2,440

More comparisons

Frequently asked questions

Is the Volkswagen Touareg or the Dodge Journey cheaper to insure?

By our estimate the Volkswagen Touareg is cheaper, by about $95 a year for full coverage ($1,225 vs. $1,320) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Volkswagen Touareg and Dodge Journey?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page