Buying cheap insurance for a Dodge Journey is dependent upon an enormous amount of rating factors such as your age, where your vehicle is garaged, and physical damage deductibles. Texas drivers will pay on average $1,186 each year to insure their Journey, but that amount is using a 40-year-old single male driver with full coverage and $500 deductibles.

There's a high likelihood you aren't exactly 40 years old or even a male, married instead of single, and you might want liability-only or different deductibles. Having what appears to be a very minor change in the rating criteria used to formulate rates may result in a big change in the policy rate.

This example demonstrates why the best method for finding the cheapest coverage for your Dodge is to compare rates from as many companies as possible.

Compare Dodge Journey Insurance Rates

The trim level of your Journey will likely have an effect on the coverage cost, so the price to insure a Journey SE 2WD model will be $194 less expensive the price to insure the higher-priced Journey SXT Crew AWD trim level, as shown below.

Dodge Journey Insurance Rates in Texas
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $234 $378 $462 $28 $138 $1,240 $103
Journey SXT 2WD $234 $460 $462 $28 $138 $1,322 $110
Journey R/T 2WD $264 $460 $462 $28 $138 $1,352 $113
Journey SXT Crew 2WD $264 $460 $462 $28 $138 $1,352 $113
Journey SXT AWD $264 $460 $462 $28 $138 $1,352 $113
Journey R/T AWD $264 $542 $462 $28 $138 $1,434 $120
Journey SXT Crew AWD $264 $542 $462 $28 $138 $1,434 $120
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific garaging location which can increase or decrease premium rates considerably.

Locating budget auto insurance is difficult, and figuring out which companies have the cheapest car insurance rates for a Dodge Journey in Texas will involve a bit more work.

Each insurance company has a different formula to establish rates, so we need to take a look at the car insurance companies with the overall best prices in Texas. It's a good idea to be aware that Texas car insurance rates are influenced by many factors that may substantially change the price you have to pay for coverage. Simply having a birthday, buying a higher-value vehicle, or getting a ticket for careless driving may cause policy rate changes that can now make some companies cheaper than competitors.

Find Cheaper Auto Insurance for Your Dodge

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Cheapest auto insurance in Texas ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,438
7 Mercury $1,461
8 State Farm $1,510
9 Safe Auto $1,549
10 Nationwide $1,600
11 Allstate $1,650
12 Progressive $1,715
13 Amica $1,757
14 Home State $2,092
15 GEICO $2,093
16 MetLife $2,183
17 Unitrin $2,241
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,568
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Travelers may offer some of the most affordable car insurance rates in Texas at around $1,010 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the most economical Texas car insurance companies.

In the above rates, if you are insured with Germania Mutual and switched to Travelers, you may see a yearly price reduction of upwards of $272. Customers with Esurance could save as much as $369 a year, and California Casualty policyholders might lower prices by up to $428 a year.

Understand that those premiums are averaged for all drivers and vehicles in Texas and do not factor in a specific rate factor for a Dodge Journey. So the auto insurance company that has the cheapest rates for you may not even be in the top 23 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Get discounts on Texas auto insurance

Auto insurance companies that offer quotes for a Dodge Journey may have price discounts that can lower rates by as much as 35% or more if you are eligible. A few of the larger companies and some of their more popular discounts can be found below.

The diagram below compares insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no accidents or driving violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, accident-free, passive restraint, marriage, anti-theft, and safe-driver discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Dodge Journey is 28% or $742.

Irresponsible driving raises your rates

The ideal way to enjoy the best car insurance prices in Texas for a Journey is to be a safe driver and not get tickets or have accidents. The example below demonstrates how citations and at-fault accidents can raise premium costs for different insured age categories. The premium estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

The chart shows that the average cost of an auto insurance policy per year with no accidents or violations is $1,710. Factor in one speeding ticket and the average cost rises to $1,940, an increase of $230 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of car insurance for a Dodge Journey in Texas goes up to an average of $4,146. That's an increase of $2,437, or $203 per month, just for not maintaining a clean driving record!

How to find more affordable auto insurance for a Dodge Journey

The list below shows a few thrifty suggestions that can help you get cheaper auto insurance.

The last suggestion is very crucial, as we noted in the prior information. Car insurance prices change frequently, so don't be afraid to buy from a new company if a more affordable price is available. Staying with the same company for years is fine, but it's not a great idea if that dedication is costing thousands of dollars over several years. In just a few minutes you could compare rates and find cheaper car insurance for a Dodge Journey.