Finding economical car insurance for a Dodge Journey can be pretty simple, but it depends on many rating criteria such as whether you are married, where you live, and whether or not you are a good driver. Drivers in Florida will pay around $1,420 annually for Journey insurance, but that price is an approximation based upon a 30-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
The problem with using this number is the good chance you are not 30 and maybe not even a male, you might be single instead of married, or maybe you prefer liability limits higher than required by Florida state law. Auto insurance requires individual risk assessment, so the only way to find cheap insurance rates for your Dodge is to compare as many rates as you can.
Vehicle trim level impacts the cost of coverage, so the rate you pay to insure a Journey SE 2WD will cost $280 less than the cost to insure the more well-appointed Journey SXT Crew AWD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$358||$532||$418||$24||$124||$1,456||$121|
|Journey SXT 2WD||$358||$648||$418||$24||$124||$1,572||$131|
|Journey R/T 2WD||$406||$648||$418||$24||$124||$1,620||$135|
|Journey SXT Crew 2WD||$406||$648||$418||$24||$124||$1,620||$135|
|Journey SXT AWD||$406||$648||$418||$24||$124||$1,620||$135|
|Journey R/T AWD||$406||$764||$418||$24||$124||$1,736||$145|
|Journey SXT Crew AWD||$406||$764||$418||$24||$124||$1,736||$145|
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in Florida location which can affect auto insurance rates noticeably.
Establishing which insurers offer the cheapest insurance rates for a Dodge Journey in Florida takes a tad more effort in order to find coverage that fits your budget.
Every insurance provider uses their own formula for setting prices, so let's take a look at the most affordable insurance companies in Florida. It's important that readers know that Florida insurance rates are based on many factors that will increase or decrease the cost of a policy. Improving your credit rating, buying a home instead of renting, or getting caught speeding can trigger rate changes that can now make some companies more affordable than before.
Best Auto Insurance Prices for Your Dodge
|Rank||Company||Cost Per Year|
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USAA offers some of the best car insurance rates in Florida at around $977 annually. Amica, Electric, Progressive, and Travelers are also some of the more affordable Florida insurance companies.
In the above example, if you have coverage with Travelers and switched to Amica, you may realize a yearly savings of upwards of $232. Customers with Allied could save as much as $251 a year, and Mercury customers might lower prices by up to $298 a year.
Remember that these policy prices are averaged across all insureds and vehicles and do not factor in a specific rate factor for a Dodge Journey. So the insurer that can offer you the lowest price may not even be in the list above. That is why you need to get quotes using your own specific driver information and vehicle.
Difference between liability only and full coverage rates
Paying less for insurance should be important to the majority of drivers, and a good way to save on the cost of insurance for a Dodge Journey in Florida is to not buy comprehensive and collision coverage. The illustration below shows the comparison of annual premium costs with and without full coverage. The costs are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are factored in.
Averaged for all ages 20 through 70, full coverage on your policy costs $2,643 per year over and above liability only. That touches on the question if paying for full coverage is a waste of money. There is no exact formula for phasing out full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let's say your vehicle's settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after the deductible is paid. If you are currently paying more than $400 a year to have full coverage, then you may want to consider only buying liability coverage.
Discounts on Florida insurance
Insurance providers that offer cheap quotes for a Dodge Journey could also offer special discounts that could reduce prices by as much as 25% or more if you meet specific criteria. Larger insurance companies and a selection of discounts are included below.
- Farm Bureau may have discounts that include driver training, renewal discount, multi-policy, safe driver, good student, multi-vehicle, and youthful driver.
- Liberty Mutual discounts include newly married, preferred payment discount, teen driver discount, newly retired, and safety features.
- State Farm offers discounts for safe vehicle, good student, accident-free, defensive driving training, multiple autos, and passive restraint.
- Auto-Owners Insurance includes discounts for safe driver, multiple vehicles, air bags, multi-policy, and paid in full.
- GEICO offers premium reductions for multi-vehicle, membership and employees, seat belt use, air bags, good student, and anti-lock brakes.
- SAFECO may include discounts for accident prevention training, bundle discounts, homeowner, multi-car, anti-lock brakes, and teen safe driver.
The chart below compares insurance premiums with and without discounts applied to the policy rates. Data assumes a female driver, no violations or accidents, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, accident-free, passive restraint, multiple vehicle, marriage, and claim-free discounts applied. When these discounts are applied, theaverage amount saved on insurance for a Dodge Journey is 28% or $662.
Insurance rates are higher with tickets and accidents
The easiest method to enjoy low insurance rates in Florida for a Journey is to drive carefully and avoid getting tickets or having accidents. The example below highlights how speeding tickets and at-fault claims can affect insurance costs for different insured age categories. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of car insurance in Florida per year with a clean driving record and no accidents is $2,486. Get one speeding ticket and the average cost rises to $2,817, an increase of $331 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for a Dodge Journey in Florida jumps again to an average of $3,739. That's an increase of $1,253, or $104 per month, just for a couple of infractions!