Best Dodge Journey Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
Discover the best Dodge Journey auto insurance with Geico, Erie, and Amica, offering rates starting at just $55 per month. These companies are the top providers for pricing and customer service. Learn the cost factors like vehicle age, driver history, and location for the best Dodge Journey car insurance.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jul 30, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Full Coverage for Dodge Journey
A.M. Best Rating
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Pros & Cons
19,116 reviews
1,814 reviewsCompany Facts
Full Coverage for Dodge Journey
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
768 reviewsCompany Facts
Full Coverage for Dodge Journey
A.M. Best Rating
Complaint Level
Pros & Cons
768 reviews
When looking for the best Dodge Journey auto insurance, consider Geico, Erie, and Amica, with rates starting at $55 per month. Factors like vehicle age, driver history, and location impact car insurance for Dodge Journey. Choose these top providers for the best rates and service.
Are Dodge Journeys good cars? The article covers this by highlighting their reliability, spacious interior, and affordability. Additionally, learn how to manage your auto insurance policy effectively, including tips on adjusting coverage, understanding deductibles, and maximizing discounts to keep your Dodge Journey insurance costs low.
Our Top 10 Company Picks: Best Dodge Journey Auto Insurance
Company Rank Good Driver Discount A.M. Best Best For Jump to Pros/Cons
#1 26% A++ Affordable Rates Geico
#2 23% A+ Youth Discounts Erie
#3 16% A+ Customer Service Amica
#4 20% B+ Rural Support Farm Bureau
#5 30% A+ Budgeting Tools Progressive
#6 30% A++ Military Savings USAA
#7 25% B Agency Network State Farm
#8 40% A+ Widespread Availability Nationwide
#9 25% A++ Reliability Focused Auto-Owners
#10 10% A++ Industry Experience Travelers
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- Geico provides the best Dodge Journey auto insurance
- Dodge Journey car insurance rates depend on vehicle age and driver history
- Compare quotes to get the best auto insurance for your needs
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#1 – Geico: Top Overall Pick
Pros
- Affordable Premiums: Geico offers competitive premiums for Dodge Journey insurance at $111 per month, making it one of the most budget-friendly options available. This cost-effective rate is particularly advantageous for those seeking low monthly expenses without compromising coverage quality.
- Extensive Discount Options: Geico provides a variety of discounts that can further lower the cost of insuring your Dodge Journey. These include safe driver discounts, multi-policy discounts, and discounts for having anti-theft devices installed, which can lead to significant savings.
- Strong Online Tools: Geico auto insurance review highlights their user-friendly online platform allows for easy management of your Dodge Journey insurance policy. Customers can obtain quotes, file claims, and track policy details efficiently, making it a convenient choice for tech-savvy drivers.
Cons
- Limited Local Agent Access: Geico primarily operates online and via phone, which can limit access to local insurance agents for personalized service. This might be less ideal for those who prefer face-to-face consultations regarding their Dodge Journey coverage.
- Basic Coverage Options: While Geico’s premiums are low, its basic coverage options might not be as comprehensive as those offered by other insurers. This could be a drawback if you require extensive coverage or additional perks for your Dodge Journey.
#2 – Erie: Best for Youth Discounts
Pros
- Comprehensive Coverage Plans: Erie provides robust coverage options for Dodge Journey owners, including comprehensive and collision coverage. Their plans often include extras like rental car coverage and roadside assistance, enhancing the overall insurance package.
- Highly Rated Customer Service: As outlined in our Erie auto insurance review, Erie is known for its exceptional customer service, with high ratings for claims handling and customer support. This ensures that Dodge Journey owners receive reliable and responsive service when they need it most.
- Affordable Rates: With an average premium of $123 per month, Erie offers competitive rates that provide good value for comprehensive coverage. This balance of cost and coverage makes it a solid choice for Dodge Journey insurance.
Cons
- Regional Availability: Erie operates mainly in the Eastern and Central U.S., which might limit availability for those living outside these regions. This could be a disadvantage for Dodge Journey owners in states where Erie does not provide coverage.
- Less Flexible Discounts: Compared to some competitors, Erie’s discount options may be less varied. This could result in fewer opportunities to reduce your premium for your Dodge Journey insurance.
#3 – Amica: Best for Customer Service
Pros
- High Customer Satisfaction: As outlined in our Amica auto insurance review, Amica is frequently praised for its customer satisfaction and service quality, particularly in handling claims. Dodge Journey owners can expect personalized service and efficient resolution of issues.
- Customizable Coverage Options: Amica offers a range of customizable coverage options for your Dodge Journey, allowing policyholders to tailor their insurance to their specific needs. This flexibility ensures that you can choose the coverage that best fits your driving habits and vehicle requirements.
- Competitive Pricing: With an average premium of $142 per month, Amica provides competitive pricing that reflects the comprehensive nature of their coverage. This makes it a viable option for those seeking both affordability and robust protection for their Dodge Journey.
Cons
- Higher Premiums: While Amica offers comprehensive coverage, its premiums are relatively higher compared to some competitors. This might be a concern for those looking for the lowest possible cost for their Dodge Journey insurance.
- Limited Regional Presence: Amica’s service area is not as extensive as some other insurers, which might limit availability for Dodge Journey owners in certain regions. This could affect accessibility to their services depending on your location.
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#4 – Farm Bureau: Best for Rural Support
Pros
- Affordable Rates: Farm Bureau offers competitive insurance rates for Dodge Journey owners, with premiums averaging $132 per month. This affordability is beneficial for those seeking budget-friendly options while maintaining good coverage. Learn more in our page, Farm Bureau auto insurance review.
- Personalized Service: Farm Bureau is known for its personalized service and local agent accessibility. This can provide Dodge Journey owners with tailored insurance solutions and support from agents who understand local needs and regulations.
- Strong Local Network: With a solid network of local offices, Farm Bureau provides convenient access to in-person support and advice, which can be advantageous for those who prefer face-to-face interactions regarding their Dodge Journey insurance.
Cons
- Limited National Reach: Farm Bureau’s coverage is often limited to specific regions, which might restrict availability for Dodge Journey owners outside their service areas. This could be a drawback for those who travel frequently or relocate often.
- Less Comprehensive Discounts: Compared to other insurers, Farm Bureau may offer fewer discount options, potentially resulting in higher overall costs for your Dodge Journey insurance.
#5 – Progressive: Best for Budgeting Tools
Pros
- Diverse Coverage Options: Progressive offers a wide range of coverage options for Dodge Journey owners, including comprehensive, collision, and liability insurance. Their plans can be tailored to fit various needs and preferences, providing flexible insurance solutions.
- Competitive Pricing: With an average monthly premium of $145, Progressive provides competitive rates that reflect the quality and breadth of their coverage options. This balance of cost and coverage can be appealing for Dodge Journey owners.
- Strong Online Tools: As mentioned in Progressive auto insurance review, Progressive’s online platform is highly regarded for its functionality, allowing users to easily compare quotes, manage policies, and file claims. This makes it a convenient option for tech-savvy Dodge Journey drivers.
Cons
- Variable Customer Service: While Progressive offers extensive coverage options, customer service experiences can vary. Some customers report issues with claims handling and support, which might affect your overall satisfaction with Dodge Journey insurance.
- Higher Premiums for Certain Drivers: Progressive’s premiums can be higher for certain demographics or driving records. This might lead to increased costs for Dodge Journey owners with less-than-perfect driving histories.
#6 – USAA: Best for Military Savings
Pros
- Lowest Premiums: USAA offers the lowest average monthly premium of $100 for Dodge Journey insurance, making it the most cost-effective option for eligible members. This affordability is a significant advantage for those who qualify.
- Exceptional Service: Known for its high customer satisfaction and support, USAA provides excellent service for its members, including efficient claims processing and personalized support for Dodge Journey insurance.
- Comprehensive Coverage Options: As outlined in our USAA auto insurance review, USAA offers extensive coverage options tailored for Dodge Journey owners, including additional features like rental reimbursement and roadside assistance, ensuring robust protection.
Cons
- Eligibility Restrictions: USAA insurance is only available to military members, veterans, and their families, which limits its accessibility for the general public. This eligibility requirement may exclude some Dodge Journey owners from benefiting from their services.
- Limited Availability: The limited scope of USAA’s service area might affect availability in certain regions. This could be a drawback for Dodge Journey owners who live outside their primary service areas.
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#7 – State Farm: Best for Agency Network
Pros
- Affordable Rates: State Farm offers competitive rates for Dodge Journey insurance at an average of $120 per month. This affordability makes it an attractive option for those seeking budget-conscious insurance solutions.
- Wide Network of Agents: With a large network of local agents, State Farm provides personalized service and support for Dodge Journey owners. This extensive network ensures easy access to expert advice and assistance.
- Variety of Discounts: As mentioned in our State Farm auto insurance review, State Farm offers numerous discounts, including those for safe driving and multi-policy bundling. These discount opportunities can help lower insurance costs for Dodge Journey owners.
Cons
- Inconsistent Pricing: While State Farm’s rates are generally competitive, pricing can vary significantly based on location and individual factors. This variability might lead to higher costs for some Dodge Journey owners.
- Customer Service Variability: Customer service experiences with State Farm can vary, with some customers reporting mixed experiences with claims handling and support. This inconsistency could impact overall satisfaction.
#8 – Nationwide: Best for Widespread Availability
Pros
- Comprehensive Coverage: In our Nationwide auto insurance review, Nationwide offers extensive coverage options for Dodge Journey owners, including robust protection and additional features like accident forgiveness and roadside assistance. This comprehensive approach ensures thorough coverage.
- Strong Discounts: Nationwide provides a variety of discounts, such as those for safe driving and bundling policies, which can help reduce insurance costs for Dodge Journey owners. These discounts make it a cost-effective option for many.
- Good Customer Service: Nationwide is known for providing reliable customer service and support, which is beneficial for handling claims and addressing any issues related to Dodge Journey insurance.
Cons
- Higher Premiums: With an average monthly premium of $165, Nationwide’s rates are higher compared to some competitors. This might be a concern for those seeking more affordable insurance options for their Dodge Journey.
- Limited Local Agent Availability: Nationwide’s local agent network may not be as extensive in some areas, potentially limiting access to personalized service and support for Dodge Journey owners.
#9 – Auto-Owners: Best for Reliability Focused
Pros
- Competitive Rates: Auto-Owners offers reasonable insurance rates for Dodge Journey owners, with an average premium of $137 per month. This pricing provides a good balance between cost and coverage quality. Learn more in our page Auto-Owners auto insurance review.
- Strong Customer Service: Known for excellent customer service, Auto-Owners provides reliable support and efficient claims handling for Dodge Journey insurance. This high level of service ensures a positive experience for policyholders.
- Wide Range of Coverage Options: Auto-Owners offers diverse coverage options, including comprehensive and collision coverage tailored to Dodge Journey owners. This variety allows for customization based on individual needs and preferences.
Cons
- Limited National Reach: Auto-Owners may not be available in all regions, which could affect accessibility for Dodge Journey owners in certain areas. This limited reach might restrict coverage options for some drivers.
- Less Aggressive Discounts: Compared to some competitors, Auto-Owners may offer fewer discount opportunities, potentially leading to higher overall insurance costs for Dodge Journey owners.
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#10 – Travelers: Best for Industry Experience
Pros
- Comprehensive Coverage: Travelers provides extensive coverage options for Dodge Journey owners, including comprehensive and collision coverage, along with additional features like rental car reimbursement. This ensures robust protection.
- Competitive Premiums: With an average monthly premium of $134, Travelers offers competitive rates that provide good value for the coverage provided. This balance of cost and coverage is appealing for many Dodge Journey owners.
- Strong Claims Handling: Travelers auto insurance review highlights their efficient and reliable claims handling, which is beneficial for Dodge Journey owners who need quick resolution of insurance issues and support.
Cons
- Higher Premiums for Certain Drivers: Travelers’ premiums can be higher for drivers with less-than-perfect driving records or specific demographics. This might result in increased costs for some Dodge Journey owners.
- Limited Discount Options: Travelers may offer fewer discount opportunities compared to other insurers, which could limit savings on insurance costs for your Dodge Journey.
Dodge Journey Insurance Cost
The table below compares monthly rates for minimum and full coverage car insurance for a Dodge Journey from various providers.
Dodge Journey Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Amica $64 $142
Auto-Owners $58 $137
Erie $61 $123
Farm Bureau $57 $132
Geico $55 $111
Nationwide $62 $165
Progressive $60 $145
State Farm $55 $120
Travelers $57 $134
USAA $46 $100
When comparing Dodge Journey insurance rates, one provider offers the lowest premiums for both minimum and full coverage, making it the most cost-effective choice. For those seeking competitive rates with a variety of coverage options, other providers also present strong, affordable alternatives.
Dodge Journey Auto Insurance Monthly Rates by Coverage Type
| Type | Rate |
|---|---|
| Average Rate | $115 |
| Discount Rate | $68 |
| High Deductibles | $99 |
| High Risk Driver | $246 |
| Low Deductibles | $145 |
| Teen Driver | $421 |
For Dodge Journey insurance rates, higher deductibles and discount rates can significantly reduce premiums, while high-risk and teen drivers face substantially higher costs. Evaluating your coverage choices and deductibles can help you find the most cost-effective insurance solution.
Read More: Best Auto Insurance Companies for High-Risk Drivers
Dodge Journeys Insurance are Expensive
The chart below details how Dodge Journey insurance rates compare to other SUVs like the Toyota Highlander, Mitsubishi Outlander Sport, and Volkswagen Atlas.
Dodge Journey Auto Insurance Monthly Rates vs. Other Vehicles
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Chevrolet Traverse | $28 | $39 | $26 | $105 |
| Dodge Journey | $27 | $44 | $31 | $115 |
| Lexus LX 570 | $37 | $70 | $33 | $153 |
| Mitsubishi Outlander Sport | $23 | $43 | $28 | $105 |
| Toyota Highlander | $28 | $43 | $33 | $116 |
| Volkswagen Atlas | $30 | $58 | $33 | $133 |
| Volvo XC60 | $26 | $45 | $28 | $110 |
The Dodge Journey generally falls in the mid-range for insurance costs compared to other SUVs, making it relatively affordable. It offers competitive rates, especially when compared to higher-end models like the Lexus LX 570.
Read More: Cheap Volvo Auto Insurance
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What Impacts Dodge Journey Insurance Cost
There are several factors that affect auto insurance rates of Dodge Journey insurance such as the trim and model year you select. Higher trims or newer models generally come with higher insurance premiums due to increased repair costs, more advanced technology, and a higher overall vehicle value.
Insurance companies assess these factors to determine risk, which impacts the cost of coverage.Daniel Walker LICENSED AUTO INSURANCE AGENT
Additionally, the safety features and overall performance of different trims can affect rates, with higher trims often having more expensive parts and advanced systems that can contribute to higher premiums.
Age of the Vehicle
Older Dodge Journey models generally cost less to insure. For example, auto insurance for a 2020 Dodge Journey costs $115 per month, while 2010 Dodge Journey insurance costs are $95 per month, a difference of $20.
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 2024 Dodge Journey | $28 | $46 | $32 | $117 |
| 2023 Dodge Journey | $28 | $46 | $32 | $116 |
| 2022 Dodge Journey | $27 | $45 | $31 | $116 |
| 2021 Dodge Journey | $27 | $45 | $31 | $115 |
| 2020 Dodge Journey | $27 | $44 | $31 | $115 |
| 2019 Dodge Journey | $26 | $43 | $33 | $114 |
| 2018 Dodge Journey | $25 | $42 | $33 | $113 |
| 2017 Dodge Journey | $24 | $41 | $35 | $113 |
| 2016 Dodge Journey | $23 | $40 | $36 | $111 |
| 2015 Dodge Journey | $22 | $38 | $37 | $110 |
| 2014 Dodge Journey | $21 | $35 | $38 | $107 |
| 2013 Dodge Journey | $20 | $33 | $38 | $105 |
| 2012 Dodge Journey | $19 | $30 | $38 | $101 |
| 2011 Dodge Journey | $18 | $28 | $38 | $97 |
| 2010 Dodge Journey | $17 | $26 | $39 | $95 |
As the Dodge Journey ages, insurance costs typically decrease, with older models generally being more affordable to insure. For instance, the monthly premium for a 2020 Dodge Journey is significantly higher than for a 2010 model, reflecting the lower costs associated with older vehicles.
Driver Age
Driver age can have a significant impact on Dodge Journey auto insurance rates. For example, 20-year-old drivers pay approximately $141 more per month for their Dodge Journey auto insurance compared to 30-year-old drivers.
Dodge Journey Auto Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age: 16 | $422 |
| Age: 18 | $350 |
| Age: 20 | $262 |
| Age: 30 | $120 |
| Age: 40 | $115 |
| Age: 45 | $108 |
| Age: 50 | $105 |
| Age: 60 | $103 |
Insurance rates for a Dodge Journey vary greatly by driver age, with younger drivers facing significantly higher premiums. For instance, teen drivers pay the most, while those in their 60s benefit from the lowest rates.
Driver Location
Where you live can have a large impact on Dodge Journey insurance rates. For example, drivers in New York may pay $70 more per month than drivers in Seattle.
Dodge Journey Auto Insurance Monthly Rates by City
| City | Rate |
|---|---|
| Chicago, IL | $152 |
| Columbus, OH | $96 |
| Houston, TX | $181 |
| Indianapolis, IN | $98 |
| Jacksonville, FL | $167 |
| Los Angeles, CA | $197 |
| New York, NY | $182 |
| Philadelphia, PA | $155 |
| Phoenix, AZ | $134 |
| Seattle, WA | $112 |
Dodge Journey insurance rates vary significantly by city, with locations like Los Angeles and New York experiencing the highest premiums. Conversely, cities such as Columbus and Indianapolis offer more affordable insurance options for Dodge Journey owners.
Your Driving Record
Your driving record can have an impact on the cost of Dodge Journey auto insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Journey auto insurance rates with violations on their driving record.
Dodge Journey Auto Insurance Monthly Rates by Age & Driving History
| Age | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| Age: 16 | $422 | $465 | $510 | $560 |
| Age: 18 | $350 | $385 | $420 | $460 |
| Age: 20 | $262 | $285 | $310 | $340 |
| Age: 30 | $120 | $131 | $143 | $156 |
| Age: 40 | $115 | $134 | $147 | $161 |
| Age: 45 | $108 | $118 | $129 | $141 |
| Age: 50 | $105 | $114 | $124 | $135 |
| Age: 60 | $103 | $112 | $122 | $133 |
A clean driving record significantly lowers Dodge Journey insurance costs, while violations and accidents lead to much higher premiums.
This impact is especially pronounced for younger drivers, who face steep increases in rates due to driving infractions.
Safety Ratings
Your Dodge Journey auto insurance rates are influenced by the Dodge Journey’s safety ratings. See the breakdown below:
Dodge Journey Safety Ratings
| Test | Rating |
|---|---|
| Small overlap front: driver-side | Poor |
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
The safety ratings of the Dodge Journey play a crucial role in determining insurance costs, with the vehicle performing well in most areas but lacking in some critical tests. Overall, higher safety ratings can contribute to lower insurance premiums.
Dodge Journey Crash Test Ratings
If the Dodge Journey crash test ratings are good, you could have lower Dodge Journey auto insurance rates. See Dodge Journey crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2024 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2023 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2023 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2022 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2022 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2021 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2021 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Dodge Journey SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Dodge Journey SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
The Dodge Journey consistently receives strong crash test ratings across various models, which can positively impact insurance rates. Higher safety ratings contribute to lower premiums by demonstrating the vehicle’s reliability in protecting occupants.
Dodge Journey Safety Features
Having a variety of safety features on your Dodge Journey can help lower your insurance costs. According to AutoBlog, the Dodge Journey’s safety features include:
- Comprehensive Air Bag System: Includes driver and passenger air bags, front head air bags, and rear head air bags for enhanced protection.
- Advanced Brake Features: Equipped with 4-wheel ABS, 4-wheel disc brakes, and brake assist for effective braking performance.
- Electronic Safety Technologies: Features electronic stability control, traction control, and daytime running lights for added safety.
- Child Safety Measures: Includes child safety locks to ensure secure conditions for young passengers.
- Overall Vehicle Safety: Combines these elements to provide robust protection and reduce accident risk.
The Dodge Journey’s extensive safety features not only enhance protection but can also contribute to lower insurance premiums. Investing in a vehicle with these advanced safety systems can lead to both peace of mind and potential cost savings.
Loss Probability
Another contributing factor that plays a direct role in Dodge Journey insurance rates is the loss probability for each type of coverage.
Dodge Journey Insurance Loss Probability
| Coverage | Loss |
|---|---|
| Collision | -20% |
| Property Damage | -8% |
| Comprehensive | -20% |
| Personal Injury | 48% |
| Medical Payment | 63% |
| Bodily Injury | 31% |
The Dodge Journey’s loss probability rates highlight how various types of coverage impact insurance costs. Understanding these factors can help you better manage your insurance expenses and choose the right coverage for your needs.
Dodge Journey Finance and Insurance Cost
If you are financing a Dodge Journey, most lenders will require your carry higher Dodge Journey coverage options including comprehensive coverage, so be sure to shop around and compare Dodge Journey auto insurance rates from the best companies using our free tool below.
Read More: Can you return a financed car without getting a penalty?
5 Ways to Save on Dodge Journey Insurance
Save more on your Dodge Journey auto insurance rates. Take a look at the following five strategies that will get you the best Dodge Journey auto insurance rates possible.
- Understand that insurance companies can’t change your Dodge Journey auto insurance rate mid-term based on changes to your credit score.
- Reduce your coverage on an older Dodge Journey.
- Ask about retiree discounts.
- Ask about seasonal insurance for your Dodge Journey.
- Be picky about who drives your Dodge Journey.
Read More: Best Seasonal Auto Insurance
Discover the variety of car insurance discounts offered by top providers for Dodge Journey to help you save on your premiums.
These discounts from top insurance providers for Dodge Journey offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.
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Top Dodge Journey Insurance Companies
The best auto insurance companies for Dodge Journey insurance rates will offer competitive rates, discounts, and account for the Dodge Journey’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.
Dodge Journey Largest Auto Insurers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $65.6 million | 9% |
| #2 | Geico | $46.1 million | 6% |
| #3 | Progressive | $39.2 million | 5% |
| #4 | Liberty Mutual | $35.6 million | 5% |
| #5 | Allstate | $35 million | 5% |
| #6 | Travelers | $28 million | 4% |
| #7 | USAA | $23.4 million | 3% |
| #8 | Chubb | $23.3 million | 3% |
| #9 | Farmers | $20 million | 2% |
| #10 | Nationwide | $18.4 million | 2% |
Choosing an insurance company for your Dodge Journey involves considering factors like competitive rates and discounts. The top providers listed offer strong market presence and tailored coverage options to suit your needs.
Compare Free Dodge Journey Insurance Quotes Online
Maximize your savings on the best Dodge Journey auto insurance by using our free comparison tool. This easy-to-use tool allows you to quickly compare quotes from leading insurance providers, ensuring you get the most competitive rates and coverage options tailored specifically for your Dodge Journey.
By comparing multiple quotes, you can identify the insurance policies that offer the best value and features, ultimately helping you secure a cheap Dodge auto insurance.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool below to instantly compare prices from various companies near you.
Frequently Asked Questions
Does being retired affect my Dodge Journey insurance premiums?
Being retired can positively affect your Dodge Journey insurance premiums. Insurers often view retirees as lower-risk drivers due to their more cautious driving habits and less frequent use of their vehicles, potentially leading to lower rates.
Read More: Best Auto Insurance for Retirees
What factors can affect the cost of auto insurance for a Dodge Journey?
Several factors can influence the cost of auto insurance for a Dodge Journey, including the driver’s age, driving history, location, annual mileage, coverage limits, deductibles, and the specific model year and trim level of the vehicle.
Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
Are Dodge Journeys considered expensive to insure?
The insurance cost for a Dodge Journey can vary depending on the factors mentioned earlier. Generally, mid-size SUVs like the Dodge Journey tend to have reasonable insurance rates compared to luxury or sports vehicles. However, rates can still vary significantly depending on individual circumstances and insurance providers.
How does the age of my Dodge Journey affect my insurance rates?
The age of your Dodge Journey can significantly impact insurance rates. Generally, older models tend to be less expensive to insure due to lower repair costs and depreciation. For instance, insuring a 2010 Dodge Journey may cost less compared to a 2020 model.
Read More: Cheap Auto Insurance for Older Vehicles
What are the pros of insuring a Dodge Journey?
The Dodge Journey typically has affordable insurance rates, as mid-size SUVs generally cost less to insure than luxury vehicles. It often includes safety features like air bags, anti-lock brakes, and stability control, which can lower premiums. Additionally, its versatility as a family-friendly vehicle is viewed positively by insurers.
Are there any cons associated with insuring a Dodge Journey?
Dodge Journeys may face higher insurance costs due to relatively higher theft rates in some areas, which increases the risk for insurers. Additionally, repair costs and parts for the Journey can be higher compared to other mid-size SUVs, potentially impacting insurance premiums.
How can I potentially lower insurance costs for my Dodge Journey?
To reduce insurance costs for your Dodge Journey, maintain a clean driving record, consider a higher deductible, and install anti-theft devices. Additionally, look for discounts such as multi-policy or safe driver discounts and compare quotes from various providers to find the best rate.
Does my driving record influence the cost of insurance for a Dodge Journey?
Yes, your driving record plays a crucial role in determining the cost of insurance for your Dodge Journey. A clean driving record can help lower premiums, while violations or accidents can lead to higher rates.
How can I find the most cost-effective insurance for my Dodge Journey?
To find the most cost-effective insurance for your Dodge Journey, compare quotes from multiple providers, maintain a clean driving record, and consider higher deductibles. Additionally, inquire about available discounts, such as multi-policy or safe driver discounts.
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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