How Much Does Insurance Cost for a Dodge Journey in Wyoming?

The chances that you’ll find the cheapest auto insurance for a Dodge Journey in Wyoming is contingent on a pretty complex algorithm that uses a lot of factors such as whether you are male or female, your credit rating, and your choice of physical damage deductibles. Wyoming drivers will pay on average $860 each year to insure their Journey, but that rate is a ballpark figure based upon a 50-year-old married male that has full coverage including both comprehensive and collision and $500 deductibles.

There is a good probability you’re not a 50-year-old male, maybe you are single instead of married, or maybe you have a teenager that needs to be on your policy. Not everyone needs the same coverages, so your best chance at finding cheap auto insurance rates for your Dodge is to get into the habit of shopping around regularly. It only takes a couple of minutes and you will receive price comparisons from top-rated car insurance companies that offer coverage in Wyoming.

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Your Dodge’s trim level tends to have a direct impact on the yearly cost, so the price you pay to insure a Journey SE 2WD will cost $136 less than the cost to insure the more costly Journey SXT Crew AWD version, as demonstrated by the prices below.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can change coverage prices greatly.

Determining which company offers the cheapest auto insurance rates for a Dodge Journey requires more work than just getting one or two price quotes. Each auto insurer has a proprietary method for setting prices, so let’s take a look at the most budget-friendly auto insurance companies in Wyoming.

It’s important that readers know that Wyoming auto insurance rates are calculated based on many things which can substantially decrease or increase the price of your policy. Improving your credit rating, adding a teenager to your policy, or getting a driving violation can trigger changes in premium that can cause some rates to be more affordable than competitors.

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USAA may have some of the best car insurance rates in Wyoming at around $631 a year. The Hartford, Safeco, National Farmers Union, and GEICO also rank well as some of the cheaper Wyoming car insurance companies.

As shown in the rates above, if you currently buy coverage from GEICO and switched to The Hartford, you may realize annual savings of about $64. Customers with State Farm might save as much as $130 a year, and Grange insureds might lower prices by up to $196 a year.

Be aware that those prices are averaged across all drivers and vehicles and do not factor in a specific rate value for a Dodge Journey. So the insurer that is best suited for you may not even be in the list of companies shown earlier. That is why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

Careless driving habits raise Wyoming auto insurance rates

In a perfect world, the best way to obtain the best auto insurance premiums in Wyoming for a Journey is to drive attentively and avoid accidents and traffic citations. The information below demonstrates how traffic citations and at-fault accidents can drive up car insurance costs for each different age group. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 4249,5069,5879],[‘Age 30’, 2217,3037,3847],[‘Age 40’, 2197,3013,3823],[‘Age 50’, 1993,2809,3621],[‘Age 60’, 1923,2745,3551],[‘Age 70’, 2321,3139,3949]]);var options = {title: ‘Impact of Citations and Accidents on Wyoming Dodge Journey Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Journey in Wyoming’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of an auto insurance policy in Wyoming per year with no violations or accidents is $2,483. Get written up for two speeding tickets and the average cost rises to $3,302, an increase of $819 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Dodge Journey jumps again to an average of $4,112. That’s an increase of $1,628, or $136 per month, just for being a little careless behind the wheel!

The chart below shows how choosing a deductible can influence insurance costs when searching for cheap insurance for a Dodge Journey. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4603,4165,3691,3243],[‘Age 30’, 2357,2155,1921,1695],[‘Age 40’, 2357,2141,1895,1663],[‘Age 50’, 2137,1945,1725,1519],[‘Age 60’, 2063,1877,1669,1469],[‘Age 70’, 2489,2277,2043,1821]]);var options = {title: ‘Impact of Deductibles on Dodge Journey Insurance Rates in Wyoming’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Journey’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 50-year-old driver could pocket $412 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $618 by switching to a $1,000 deductible. Young drivers, like the age 20 example, could possibly save up to $1,360 or even more by choosing larger deductibles on their policy.

When using a larger deductible, it will be required to have enough funds in savings to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Which major car insurance company is best?

When comparing insurance for a Journey in Wyoming, the four most popular companies are Progressive, State Farm, Geico, and Allstate. When combined, they make up 48.5% of all policies written. The table below illustrates price and claims rank as well as some different options that are available for buyers.