Cheapest Insurance for a Dodge Journey in Indiana

Your odds of finding the cheapest auto insurance for a Dodge Journey in Indiana is contingent on an enormous amount of factors such as how far you drive to work, the condition of your credit, and citations or violations on your driving record. Drivers on average pay around $650 a year for Journey insurance, but that policy rate is a ballpark figure calculated using a 40-year-old married male driver with full coverage and $1,000 physical damage deductibles.

There is a high likelihood that you are not 40 years old and maybe not even male, maybe you are single instead of married, or you need different deductibles. Auto insurance rates are unique for each driver, so the best way to quote cheap auto insurance rates for your Dodge is to shop your policy around at every renewal.

Find Cheaper Dodge Journey Insurance

The trim level of your Dodge will likely have an effect on the cost of coverage, so the rate you will pay to insure a Journey SE 2WD model will be $92 cheaper than the insurance cost for the high end Journey SXT Crew AWD model, as shown below.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in vehicle location which can impact coverage prices considerably.

Buying coverage from a highly-rated auto insurance provider can be a challenge considering how many companies sell insurance in Indiana. The company information listed below can help you analyze which coverage providers you want to consider when comparing insurance rates for a Dodge Journey.

These ratings are only made up of companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in these rankings. To compare prices from these top insurers and more, simply click here.

Top 10 Major Auto Insurers in Indiana Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Erie Insurance
5. State Farm
6. Liberty Mutual
7. Safeco Insurance
8. Allstate
9. 21st Century
10. Titan Insurance

Top 10 Major Auto Insurers Overall in Indiana

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Dodge Journey Insurance in Indiana

Impact of speeding/accidents on auto insurance rates

The recommended way to find good auto insurance premiums in Indiana for a Journey is to drive safely and avoid getting tickets or having accidents. The information below highlights how speeding tickets and fender-benders can raise auto insurance costs for different ages of insureds. The rates are based on a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of a car insurance policy in Indiana per year with no accidents or violations is $1,321. Factor in one speeding ticket and the average cost surges to $1,493, an increase of $172 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Dodge Journey increases to an average of $1,958. That’s an increase of $636, or $53 per month, just for not maintaining a clean driving record!

Rate difference between full and liability-only coverage

Finding the cheapest insurance for a Dodge Journey in Indiana should be important to the majority of drivers, and one of the quickest ways to pay less for insurance is to buy liability only. The chart below visualizes the comparison of insurance costs with and without full coverage. The premiums assume no claims, a clean driving record, $1,000 deductibles, single status, and no discounts are applied to the premium.

If the expense is averaged for all age categories, physical damage insurance costs an additional $1,321 per year more than just buying liability insurance. That proposes the question if paying for full coverage is worth it. There is no exact formula of when to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s assume your vehicle’s book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying your deductible. If premiums are more than $400 a year for physical damage coverage, then you may need to consider dropping full coverage.

How to get the cheapest insurance for a Dodge Journey in Indiana

Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help you locate more affordable car insurance.

• Do not insure for full coverage
• Claim-free policyholders usually earn a discount
• Get cheaper liability coverage by choosing a safer vehicle
• Multi-policy discounts save money
• Accidents can significantly increase rates
• Tickets and violations raise rates
• Shop around and save

That last tip is extraordinarily vital, as we pointed out in this piece. Auto insurance prices adjust often, so don’t be unwilling to switch to a new company if a cheaper rate is available. Having a favorite company is great, but is isn’t recommended if that faithfulness ends up costing you big bucks every year. If you have a few minutes, shop around and find cheaper auto insurance for a Dodge Journey.

Allstate vs Progressive vs State Farm vs Geico

If you’re looking for the cheapest insurance for a Journey, four companies to definitely compare rates with are Allstate, Progressive, State Farm, and Geico. The data below illustrates ratings for price, service, and claims, in additional to some of the optional coverages shoppers can find with each company.