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.
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.
|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
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
|Quote Your Rates Go|
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.
- State Farm discounts include anti-theft, multiple policy, defensive driving training, accident-free, and good student.
- Farmers Insurance offers discounts including bundle discounts, multi-car, homeowner, electronic funds transfer, and mature driver.
- GEICO has savings for multi-vehicle, military active duty, anti-theft, five-year accident-free, and emergency military deployment.
- American Family may have discounts that include mySafetyValet, good student, Steer into Savings, TimeAway discount, multi-vehicle, and air bags.
- Nationwide offers premium reductions for Farm Bureau membership, anti-theft, good student, easy pay, multi-policy, and accident-free.
- Progressive offers discounts for online quote discount, online signing, good student, continuous coverage, multi-policy, homeowner, and multi-vehicle.
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.
- Better credit scores save money
- Prevent price hikes by avoiding at-fault accidents
- Buy your auto and home insurance from the same company and save
- Do not waste money insuring older vehicles for full coverage
- Drive a car with a high safety rating
- Compare rates regularly and switch companies to save money
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.