How Much is Insurance for a Dodge Journey in Montana?

The chances that you’ll find the best cheap car insurance for a Dodge Journey in Montana is dependent upon a complicated equation that takes into consideration things like miles driven annually, your credit score, and any prior driving offenses. Drivers in Montana on average will pay $2,250 each year to insure their Journey, but that price is a ballpark figure calculated based on a 30-year-old single male who purchased full comprehensive and collision coverage and $100 policy deductibles.

But there is a good chance that you aren’t exactly 30 years old or even a male, you might be married instead of single, or maybe you prefer to not insure for full coverage. Not every driver requires the same auto insurance coverages, so your best chance at finding the cheapest coverage for your Dodge is to do your own rate comparisons.

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Your Dodge’s trim level will have an impact the cost of coverage, so the price you pay to insure a Journey SE 2WD will be $396 less expensive the insurance cost for the higher-end Journey SXT Crew AWD version, as demonstrated by the prices below.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific zip code location which can raise or lower prices greatly.

Best insurance in Montana

Selecting a high-quality insurance company can be challenging considering how many companies provide coverage in Montana. The ranking data shown below can help you select which coverage providers to look at purchasing coverage from.

The ratings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not taken into consideration for the list. If you’d like to compare prices and find the cheapest rates for a Dodge Journey, follow this link.

Top 10 Major Auto Insurers in Montana Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. American Family
8. AAA Insurance
9. Nationwide
10. Farmers Insurance

Top 10 Major Auto Insurers in Montana Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Liberty Mutual
5. Progressive
6. GEICO
7. Allstate
8. The Hartford
9. The General
10. Farmers Insurance

Top Companies for Dodge Journey Insurance in Montana

Accidents and violations increase rates

The best way to enjoy cheap insurance premiums in Montana for a Journey is to be a cautious driver and avoid at-fault accidents and violations. The example below illustrates how violations and accident claims can increase car insurance rates for each different age category. The information is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

In the chart above, the average cost of car insurance per year with no accidents or violations is $3,180. Get written up for two speeding tickets and the average cost rises to $4,263, an increase of $1,083 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of insurance for a Dodge Journey goes up to an average of $8,358. That’s an increase of $5,178, or $432 per month, just for not keeping your driving record clean!

The information below illustrates how your choice of deductibles can impact yearly insurance costs when researching cheap insurance for a Dodge Journey. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

As shown above, a 40-year-old driver could save $474 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $716 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could reduce their rates up to $1,174 or even more by choosing a larger deductible amount. If you make the decision to raise deductibles, it is essential to have emergency funds available to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Which auto insurance company is best?

When buying insurance for a Journey in Montana, the top insurers to get price quotes from are Progressive, Allstate, Geico, and State Farm. The following table ranks ratings for price, service, and claims, in additional to some of the optional coverages shoppers can expect to find with each one.