Finding affordable auto insurance for a Dodge Journey is pretty easy for most people, but it hinges on many different factors such as age of the vehicle, your credit rating, and any prior driving offenses. Drivers will pay around $1,721 per year for Journey insurance, but that figure is a projection based upon a 50-year-old single male driver with full coverage and $1,000 deductibles.
But there is a good chance that you aren’t exactly 50 years old or even a male, you might be married instead of single, and maybe you want different deductibles. Car insurance coverage is unique to each driver, so this is why the way we recommend to find cheap auto insurance rates for your Dodge is to compare as many rates as you can.
Your vehicle’s trim level will likely have an effect on the cost of insurance, so the cost to insure a Journey SE 2WD will be $244 less than the price to insure the high end Journey SXT Crew AWD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$284||$478||$780||$46||$234||$1,822||$152|
|Journey SXT 2WD||$284||$582||$780||$46||$234||$1,926||$161|
|Journey R/T 2WD||$320||$582||$780||$46||$234||$1,962||$164|
|Journey SXT Crew 2WD||$320||$582||$780||$46||$234||$1,962||$164|
|Journey SXT AWD||$320||$582||$780||$46||$234||$1,962||$164|
|Journey R/T AWD||$320||$686||$780||$46||$234||$2,066||$172|
|Journey SXT Crew AWD||$320||$686||$780||$46||$234||$2,066||$172|
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific zip code location which can impact auto insurance rates significantly.
Insuring your vehicle with the best car insurance company is hard considering how many different insurance companies sell coverage in Detroit. The ranking data shown below can help you select which auto insurers you want to consider when looking for cheaper rates.
The ratings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Michigan business are not factored into this list. To compare price quotes and find the cheapest rates for a Dodge Journey, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Detroit car insurance rates
Insurance providers that sell policies for a Dodge Journey may also offer premium discounts that could reduce prices by 25% or more if you are eligible. A list of car insurance companies and some of the premium reductions they offer are:
- American Family discounts include Steer into Savings, TimeAway discount, good driver, bundled insurance, multi-vehicle, good student, and early bird.
- Farm Bureau has discounts for driver training, multi-policy, multi-vehicle, renewal discount, good student, and safe driver.
- State Farm offers discounts including driver’s education, defensive driving training, anti-theft, Drive Safe & Save, safe vehicle, good driver, and student away at school.
- Travelers may have discounts that include payment discounts, home ownership, driver training, multi-policy, multi-car, hybrid/electric vehicle, and save driver.
- The Hartford offers discounts for anti-theft, defensive driver, vehicle fuel type, good student, and bundle.
- GEICO offers premium reductions for anti-theft, multi-policy, anti-lock brakes, driver training, good student, and multi-vehicle.
- Progressive has savings for homeowner, multi-policy, online quote discount, online signing, good student, and continuous coverage.
The example below shows the difference between car insurance costs with and without policy discounts. The premium estimates are based on a female driver, no accidents, no driving violations, Michigan state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, defensive driving course, homeowner, claim-free, and passive restraint discounts applied. In this example, theaverage yearly reduction on car insurance for a Dodge Journey is 28% or $955.
What aren’t you shopping around?
Detroit, MI car insurance rates are impacted by many things that may substantially change the cost of having a policy. Turning one year older, buying a new vehicle, or getting a DUI may cause policy rate changes that may make certain companies more affordable than the competition. Not only may your risk profile change, but car insurance companies amend premium rates as often as every three months in order to be able to pay unexpected claims. A period of higher than normal claims can cause more expensive prices, while better underwriting may result in lower-cost Journey insurance rates.
For example, the chart below shows which companies have the cheapest car insurance in Detroit, MI for a 40-year-old male driver with no violations or accidents, and great credit. When comparing rates based on his current risk factors, USAA quotes the cheapest car insurance rates in Detroit at $2,190 per year. This is $203 less than the average rate paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are the remaining most affordable Detroit, MI auto insurance companies.
In this example, we will give the driver from the first example some claims, a little lower credit rating, and a stop sign violation. Due to the fact that every insurance company has their own formula for setting prices, comparing prices may result in a different list of cheap Detroit auto insurance companies as shown below.
Pioneer State Mutual now has the cheapest car insurance in Detroit, MI with GEICO, Safeco, USAA, and Hastings Mutual also being competitive. This illustrates why consumers need to take the time to compare as many rates as possible to get the best insurance quotes for a Dodge Journey. Car insurance prices are made up of many risk factors and can change without notice, so the best company two years ago may now be priced much higher than other options.
How to find economical car insurance for a Dodge Journey
The list below shows a few thrifty ideas that can help Detroit drivers find cheaper coverage.
- Having at-fault accidents will increase rates
- Full coverage may not be needed on older vehicles
- Buy vehicles with good safety ratings
- Buying home and auto together can help save money
- Maintain a clean driving record
- Avoid filing small claims
- Check for cheaper rates once a year
That last piece of advice is very crucial, as was noted in this write-up. Rates can change considerably in a year, so drivers shouldn’t be resistant to change to a new company if you find a cheaper price.
Having brand loyalty is commendable, but we do not recommend it if that stubbornness costs you money that could be going to better use. In just a couple of minutes you could shop around to find cheaper auto insurance for a Dodge Journey in Detroit.
If you prefer to get some guidance when shopping around for cheaper insurance for a Dodge Journey, the insurance agencies below are a good start to help you decide which car insurance policy is best. To find a Detroit insurance agent nearest to you, click the button after the list.
- Look Insurance Detroit Southwest Agency
6724 Michigan Ave – Detroit, MI 48210 – (313) 899-3194
- Allstate Insurance: Ago Benavides
3570 W Vernor Hwy – Detroit, MI 48216 – (313) 849-2000
- Kim-One Insurance Agency
11000 W McNichols Rd – Detroit, MI 48221 – (313) 397-4198
- L.A. Insurance Agency
15607 Grand River Ave – Detroit, MI 48227 – (313) 835-4000
- Anthony Jackson – State Farm Insurance Agent
23221 Plymouth Rd – Detroit, MI 48239 – (313) 533-2440