Finding the best cheap auto insurance for a Dodge Journey is dependent upon a large number of rating criteria such as how many years you have been driving, your claims history, and whether or not you are a good driver. Virginia drivers will pay around $883 a year for Journey insurance, but that cost is based upon a 30-year-old single female driver with full coverage and $500 deductibles.
It’s highly likely you’re not a 30-year-old female, maybe you are married instead of single, or maybe you need higher liability limits than the state minimum. Insurance is an individual thing, so the best method for finding cheap car insurance rates for your Dodge is to just compare rates yourself. Get a free quote now and you will receive prices from some of the most affordable companies available.
Vehicle trim level has an effect on the cost of coverage, so the price to insure a Journey SE 2WD model will be $140 less expensive the insurance cost for the high end 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 | $180 | $274 | $348 | $20 | $104 | $926 | $77 |
| Journey SXT 2WD | $180 | $332 | $348 | $20 | $104 | $984 | $82 |
| Journey R/T 2WD | $202 | $332 | $348 | $20 | $104 | $1,006 | $84 |
| Journey SXT Crew 2WD | $202 | $332 | $348 | $20 | $104 | $1,006 | $84 |
| Journey SXT AWD | $202 | $332 | $348 | $20 | $104 | $1,006 | $84 |
| Journey R/T AWD | $202 | $392 | $348 | $20 | $104 | $1,066 | $89 |
| Journey SXT Crew AWD | $202 | $392 | $348 | $20 | $104 | $1,066 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in your specific Virginia Beach location which can modify rates significantly.
Establishing which company has the cheapest auto insurance rates for a Dodge Journey will involve a little more effort in order to find the most economical policy. Every auto insurer has their own formula for determining prices, so we will examine the most affordable auto insurance companies in Virginia.
Keep in mind that Virginia auto insurance rates are impacted by many things which can substantially decrease or increase the cost of having a policy. Improving your credit score, buying another vehicle, or having a fender bender can produce rate changes resulting in some rates now being more affordable than the competition.
Compare Cheap Insurance Quotes for Your Dodge
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $673 |
| 2 | USAA | $709 |
| 3 | Cincinnati Insurance | $741 |
| 4 | Penn National | $748 |
| 5 | Auto-Owners | $758 |
| 6 | Utica National | $758 |
| 7 | The Hartford | $785 |
| 8 | Erie | $804 |
| 9 | Virginia Farm Bureau | $810 |
| 10 | Donegal Mutual | $886 |
| 11 | Nationwide | $935 |
| 12 | Allied | $982 |
| 13 | GEICO | $996 |
| 14 | ALFA | $1,018 |
| 15 | National Grange Mutual | $1,071 |
| 16 | State Farm | $1,099 |
| 17 | Chubb | $1,112 |
| 18 | Electric | $1,180 |
| 19 | Progressive | $1,259 |
| 20 | Amica | $1,279 |
| Quote Your Rates Go | ||
Travelers may offer some of the best car insurance rates in Virginia Beach at around $673 each year. This is $485 less than the average premium paid by Virginia drivers of $1,158. USAA, Cincinnati Insurance, Penn National, and Auto-Owners also qualify as some of the cheaper Virginia Beach, VA insurance companies.
In this example, if you are a policyholder with Auto-Owners and switched to USAA, you may realize savings of roughly $49. Customers with Utica National could save as much as $49 a year, and The Hartford policyholders might reduce prices by as much as $76 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or click several companies below for low rates.
These policy rates are averaged across all insureds and vehicles and do not take into consideration a specific location for a Dodge Journey. So the car insurance company that fits your situation best may not even be in the list above. That emphasizes why you need to get rate quotes using your own specific driver and vehicle information.
The illustration below demonstrates how choosing different deductibles can affect insurance premiums when getting quotes for cheap insurance for a Dodge Journey. The costs are based on a married male driver, comp and collision included, and no discounts are factored in.
In the chart above, a 40-year-old driver could save $220 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $334 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could lower their rates $738 or even more by selecting a higher deductible. When using a larger deductible, it is essential to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.
Illustration showing the impact of accidents and violations
In a perfect world, the ideal way to earn good auto insurance prices in Virginia Beach for a Journey is to be a safe driver and not have accidents or get tickets. The information below demonstrates how traffic citations and accidents can impact premium costs for each age group. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
In the example above, the average cost of auto insurance in Virginia Beach per year with a clean driving record and no accidents is $1,002. Receive one speeding ticket and the average cost hikes up to $1,170, an increase of $168 each year. Now get one accident along with the one speeding ticket and the annual cost of auto insurance for a Dodge Journey goes up to an average of $1,626. That’s an increase of $624, or $52 per month, just for being a little careless behind the wheel!
Here’s why you should shop around
Virginia Beach auto insurance rates are impacted by many things that control the price of coverage. Simply improving your credit, moving to a new city, or getting into an accident can trigger rate changes resulting in some companies being much cheaper than others.
Not only that, but auto insurance companies amend premium rates every year or even multiple times each year in order to be able to pay unexpected claims. Higher than usual claims can result in higher rates, while long-term profits may cause lower-cost Journey insurance rates.
The graph below shows which company has the cheapest car insurance in Virginia Beach, VA for a 30-year-old female driver with a good driving record, no prior claims, and great credit. If we look at prices based on her current rating profile, Travelers might offer the best car insurance rates in Virginia Beach at $789 per year. This is $369 less than the average policy premium paid by Virginia drivers of $1,158. USAA, Cincinnati Insurance, Penn National, and Auto-Owners are the remaining cheapest Virginia Beach, VA auto insurance companies.
Now we will pretend the driver in the first chart a couple of claims, slightly worse credit, and a couple of points charged on her driving record. Since every car insurance company uses their own formula for filing rates in each state, getting updated rate quotes will most likely result in a significantly different list of the cheapest companies as shown below.
Erie now has the best car insurance rate in Virginia Beach with Utica National, Virginia Farm Bureau, Donegal Mutual, and Nationwide also being competitive. This illustrates why consumers need to take the time to take the time to shop around when trying to find the most economical car insurance quotes for a Dodge Journey. Rates can be altered by many risk factors and can change without notice, so the cheapest rate the last time you shopped your coverage around may now be quite expensive.
How to find economical auto insurance for a Dodge Journey
The list below shows many money-saving ideas that can help drivers buy cheaper car insurance.
- Vehicles with safetly features generally cost less to insure
- Prevent rate increases by staying accident-free
- Higher deductibles save money
- Do not get tickets or violations
- Better credit rating means better rates
- Full coverage may not be needed on older vehicles
- Shop around for cheaper prices
That last tip is extremely necessary, as was stressed in this article. Coverage prices can be modified anytime, so drivers shouldn’t be reluctant to buy a policy from a new company if you can save money.
We understand brand loyalty, but is isn’t recommended if your bullheadedness ends up costing you lots of money. In just a couple of minutes you could shop around and find cheaper insurance for a Dodge Journey in Virginia Beach.
The agents listed below are a good start to provide answers to your questions and help you determine which is the best policy, since many people would rather have a professional recommendation when comparing insurance rates for a Dodge Journey. It can be complicated to find the cheapest rates, and insurance agents licensed in the state of Virginia can give you comfort knowing you have suitable coverage if you have an accident. To locate a Virginia Beach auto insurance agent close to where you live, click the button following the list or click here to get price quotes now.
- Nationwide Insurance: Lovas Insurance Agency Inc
244 Mustang Trail #1 – Virginia Beach, VA 23452 – (757) 340-8310 - The Coelho insurance agency
800 Seahawk Cir #142 – Virginia Beach, VA 23452 – (757) 437-9647 - Nationwide Insurance: Bob McCrearyh CLU Insurance Agency, Inc.
533 Newtown Rd #112 – Virginia Beach, VA 23462 – (757) 497-1899 - Michael Weeks – State Farm Insurance Agent
Shopping Ctr Ste 103, 979 Chimney Hill Pkwy – Virginia Beach, VA 23452 – (757) 463-2400 - Sharon Lynch – State Farm Insurance Agent
3617 Dam Neck Rd – Virginia Beach, VA 23453 – (757) 430-9000