Average annual Dodge Journey car insurance costs average approximately $1,352, for full coverage which includes comprehensive and collision policies as well as liability protection.
Cost of auto insurance depends on a variety of factors, including age, gender, driving record and vehicle type. Furthermore, rates differ according to state and insurer.
Age
Adults aged 40-49 typically pay approximately $1,560 annually (or approximately $135 each month) for full coverage car insurance on a Dodge Journey, including liability, collision, uninsured/underinsured motorist and underinsured motorist coverage. These rates are considerably less than what most SUV drivers pay: typically between $2,200-$2,400 in most cases. Where you reside also makes a difference as rural areas typically offer lower premiums than congested cities.
Avoid accidents and tickets, keep your credit score intact and shop around for the most competitive rate to save on Dodge Journey car insurance. When comparing quotes drivers should take into account policy limits/deductibles/coverage options/safety ratings as well as vehicle specifications when making decisions about coverage options and costs.
Assuming you are a safe and responsible driver, bundling your policies with one provider or taking advantage of discounts such as being an A student, owning multiple vehicles, or being married could help reduce your Dodge Journey car insurance rates even more. Our free tool makes comparing quotes easy - compare rates from top car insurers today using this free comparison feature! We take all these factors into consideration when providing quotes tailored specifically to your unique risk profile!
Gender
On average, insuring a Dodge Journey as a male typically costs less than it would for female drivers; however, as there can be significant variance in terms of costs between genders. The annual insurance cost for one Journey averages out to be about $1,384 with full and state minimum liability coverage included; alternatively a pay-per-mile policy could be considered more economically.
Age also plays a factor in your car insurance costs. Younger vehicles tend to cost more as they're more likely to be involved in an accident; as time passes and their value depreciates, insurance rates will decrease accordingly.
Note that car insurance premiums vary by state and insurer, due to various factors that influence their calculation. Our free online quote tool can provide an accurate quote tailored specifically for your vehicle.
As many quotes as possible will help you to locate the most competitive price, we suggest getting multiple estimates before contacting us and starting the process of securing proof of insurance for your Dodge Journey. Once we've located it, we will assist in filling out all necessary paperwork while working to secure you with an affordable insurance rate.
Driving Record
The average Dodge Journey customer is a 40-year old male driver without an accident or ticket in the last five years. These drivers should expect to pay approximately $1,548 annually for full coverage; younger drivers often incur higher premiums due to limited experience and higher rates of accident claims.
Cost of car insurance varies dramatically based on factors like driving history, location and age of vehicle. Rural areas tend to offer lower premiums due to fewer physical damage claims in urban environments; insurers also factor in car value when setting premiums; older cars often depreciate faster with greater deductibles.
No matter if you go for state minimum or full coverage, the policy's deductible and limits can have an effect on your rate. While state minimum liability only provides third-party benefits like bodily injury and property damage coverage, comprehensive policies provide first-party benefits like collision and uninsured motorist coverage as well.
On the road, the Dodge Journey offers a comfortable ride and performs admirably for an SUV. However, taking corners at high speeds may prove challenging due to imprecise steering that needs frequent corrections. Furthermore, its fuel economy falls just short of some competitors with an estimated 19 MPG city and 25 MPG highway mileage rating.
Vehicle Type
The Dodge Journey SUV features a moderately powerful engine, can seat five people comfortably, and boasts some useful features; however, its fuel efficiency may not match that of similar vehicles in its class. Furthermore, turning can be somewhat unwieldy due to its body lean and poor traction on snow-covered roads; therefore drivers should exercise caution on slippery roads.
Insurance premiums for a Dodge Journey can depend heavily on both its driver and coverage selections, such as lower liability limits than others. Many car insurers provide discounts that could help drivers save money such as multi-vehicle discounts or discounts for good drivers or defensive driving practices.
Before selecting an insurance carrier, it's essential to compare quotes from various carriers. While no single provider offers the lowest rates for every driver, certain insurers stand out as being particularly suitable - Commonwealth Casualty often has the cheapest liability only insurance rates for the Dodge Journey starting as little as $22 monthly premiums! Hugo Horace Mann and American Family also offer excellent policies at reasonable costs.
Finding an affordable Dodge Journey insurance rate requires shopping around and gathering several quotes. Make sure to consider your driving record, claims history and the reputation of any companies being considered before making your final choice.
Safety Features
Car insurance costs the average Dodge Journey driver approximately $98 each month; however, no single company offers the lowest rates across the board. To find cheap coverage at an affordable rate, drivers should compare quotes from several providers before selecting one that fulfills their individual needs.
Some factors that will have an effect on your rate include your age, gender, driving record and vehicle make/model. New drivers usually pay higher premiums due to lack of experience on the road while older drivers usually enjoy lower premiums due to having had longer driving experience and having had fewer at-fault accidents or speeding tickets on their record.
No matter your age, gender or driving record, good driving habits can help lower the cost of Dodge Journey insurance policies. That means no at-fault accidents or speeding tickets within a set period (usually three to five years).
Location can also have an effect on your auto insurance rate. Since auto insurance prices vary based on state regulations, prices can be much different in different regions; for instance a Dodge Journey driver in New York might pay much higher premiums than one in California. To determine how much insuring your specific Journey will cost, enter your zip code into our tool and get personalized rates; additionally explore discounts such as multi-vehicle or good driver to reduce premium costs further.
Discounts
There are various discounts that can help lower the cost of insurance for Dodge Journey drivers, such as multi-vehicle, good driver and defensive driving discounts. Good driver discounts are given for driving without claims, at-fault accidents or traffic violations over an extended period of time, while some insurers also provide a discount if drivers complete a defensive driving course designed to avoid common errors on the road that lead to accidents. Furthermore, other discounts include bundling both home or renters insurance policies together as well as paying in full or setting up automatic payments.
Location can have a substantial effect on car insurance rates. They could be significantly less in Vermont, Wisconsin and North Carolina compared to New York, Michigan or Florida; it is wise to shop around regularly as rates may change frequently.
The Dodge Journey is an ideal family and commuter car, offering a comfortable ride, stylish appearance, ample interior space and advanced safety technology features that give drivers peace of mind on the road. By installing modern safety features in your Dodge Journey you may even reduce car insurance premiums! Popular safety options include driver and passenger side airbags, blind spot monitoring systems, lane departure warning and adaptive cruise control; these technologies may help make driving safer than ever!