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

Buying cheap coverage for a Dodge Journey in Iowa relies on a fairly complex equation with a lot of factors like if you are a renter or homeowner, your residence address, and your driving record. Drivers in Iowa pay around $590 each year for Journey insurance, but that rate is an estimation calculated using a 50-year-old married female that purchased both comprehensive and collision coverage and $500 policy deductibles.

There is a high probability that you are not 50 and possibly not even female, possibly single instead of married, or maybe you just want different deductibles. Every policy is rated specifically for the driver, so the only way to find the cheapest coverage for your Dodge is to quote often and with as many companies as possible. In less than five minutes you will receive rate quotes from the cheapest companies around.

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The trim level of your vehicle tends to have a direct effect on the insurance rate, so the price you pay to insure a Journey SE 2WD trim level will be $94 cheaper than the price to insure the high end Journey SXT Crew AWD model, as demonstrated by the prices below.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can increase or decrease coverage rates considerably.

Figuring out which companies offer the cheapest insurance rates for a Dodge Journey may require a bit more work in order to find a policy that fits your budget.

Each company has a proprietary method for establishing rates, so let’s examine the lowest cost insurance companies in Iowa.

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USAA may have some of the best car insurance rates in Iowa at around $669 annually. Partners Mutual, Western National, Allied, and Hastings Mutual also are some of the more affordable Iowa insurance companies.

As illustrated above, if you are insured with Hastings Mutual and switched to Partners Mutual, you could see a yearly price reduction of upwards of $173. Insureds with State Farm may save as much as $229 a year, and Nationwide policyholders might realize rate reductions of up to $246 a year.

If you would like to find cheap insurance for a Dodge Journey in Iowa, click here to start a quote or visit several of the following companies.

Remember that these premiums are averaged across all types of insureds and vehicles and do not take into consideration a specific rate value for a Dodge Journey. So the car insurance company that is best suited for you may not even be in the company chart above. That helps illustrate why you need to compare prices as often as possible using your own driver data and vehicle information.

Careless driving habits raise insurance rates

The easiest way to receive cheap insurance for a Dodge Journey in Iowa is to drive cautiously and avoid tickets and accidents. The chart below demonstrates how speeding tickets and accidents can affect car insurance rates for each age group. The data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2135,2299,2743],[‘Age 30’, 1137,1299,1741],[‘Age 40’, 1107,1267,1709],[‘Age 50’, 1009,1175,1617],[‘Age 60’, 979,1143,1585],[‘Age 70’, 1213,1375,1819]]);var options = {title: ‘Impact of Tickets and Claims on Iowa 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 Iowa’,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 data in the chart shows the average cost of a car insurance policy in Iowa per year with no violations or accidents is $1,263. Receive one speeding ticket and the average cost swells to $1,426, an increase of $163 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of insurance for a Dodge Journey increases to an average of $1,869. That’s an increase of $606, or $50 per month, just for not driving attentively!

Get discounts on Iowa car insurance

Insurance companies that sell cheap insurance for a Dodge Journey in Iowa may provide rate discounts that may potentially lower prices by 35% or more if you meet specific eligibility requirements. Larger insurance companies and the discounts they provide include:

• GEICO policyholders can earn discounts including membership and employees, air bags, driver training, multi-policy, federal employee, and multi-vehicle.
• Auto-Owners Insurance may have discounts that include teen driver, anti-theft, anti-lock brakes, multi-policy, safe driver, and mature driver.
• American Family includes discounts for mySafetyValet, good driver, Steer into Savings, TimeAway discount, accident-free, and bundled insurance.
• Esurance discounts include online quote, claim free, paid-in-full, Pac-12 alumni, multi-car, emergency road assistance, and anti-theft.
• Progressive has savings for homeowner, good student, multi-vehicle, continuous coverage, online signing, multi-policy, and online quote discount.
• State Farm may include discounts for student away at school, good student, driver’s education, passive restraint, defensive driving training, and multiple policy.
• AAA offers discounts including multi-policy, good driver, AAA membership discount, anti-theft, multi-car, and good student.

The illustration below illustrates the comparison of insurance rates with and without policy discounts. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Iowa state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, multiple policy, defensive driving course, anti-theft, multiple vehicle, and claim-free discounts applied. In this example, the the amount saved on insurance for a Dodge Journey is 28% or $369.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2265,1631],[‘Age 30’, 1189,863],[‘Age 40’, 1165,843],[‘Age 50’, 1063,771],[‘Age 60’, 1031,745],[‘Age 70’, 1275,921]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Dodge Journey’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Journey in Iowa’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}