Who Has Cheap Insurance Quotes for a Dodge Journey in Connecticut?

Our content editors always give us grief that when writing about auto insurance, the word affordable should not appear as a descriptor for auto insurance rates. Nonetheless, cheap auto insurance for a Dodge Journey can be extremely hard to find. But don’t let us ruin your dream, because we are going to tell you how you can still get coverage that fits into your budget.

The chances of buying cheaper coverage for a Dodge Journey in Connecticut depends on a lot of rating factors like whether you are married or single, the condition of your credit, and blemishes on your driving record. Connecticut drivers on average pay approximately $1,100 per year to insure a Journey, but that policy rate is an estimate based on cost data for a 30-year-old single male driver who needs full comprehensive and collision coverage and $500 deductibles.

When making auto insurance estimates, the issue arises that you aren’t exactly 30 years old or even a male, married instead of single, or maybe your Journey doesn’t need comprehensive and collision coverage. Changing even a minor factor in rating factors may result in significant differences in policy price.

Insurance is an individual thing, so the best way to find cheap auto insurance rates for your Dodge is to put in the effort and compare rates. Quotes are free and easy and you will receive price comparisons from the best companies that insure Dodge vehicles in Connecticut.

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The trim level of your vehicle will influence price, so the price to insure a Journey SE 2WD will be $160 lower than the price to insure the high end Journey SXT Crew AWD version, as shown in the chart below.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price estimates do not factor in zip code location which can influence coverage prices significantly.

Locating cheap auto insurance is easier said than done, and deciding which company has the lowest-priced auto insurance rates for a Dodge Journey calls for additional perseverance.

Each auto insurance company uses a different method for establishing rates, so we need to take a look at the most affordable auto insurance companies in Connecticut. It’s a good idea to know that Connecticut auto insurance rates are based on many factors which can substantially decrease or increase the policy premium. Simply having another birthday, moving to a new city, or getting caught speeding can trigger changes in premium resulting in some rates now being cheaper than others.

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Utica National normally has some of the cheapest car insurance rates in Connecticut at around $965 per year. Travelers, Amica, USAA, and Nationwide also qualify as some of the lowest-priced Connecticut insurance companies.

As illustrated above, if you are insured with Travelers and switched to Utica National, you could see a yearly savings of about $172. Drivers with Amica might save as much as $279 a year, and USAA customers might reduce rates by $306 a year.

To find cheap insurance for a Dodge Journey in Connecticut, click here to get a free quote or quote rates from the companies below.

Be aware that those rates are averages across all drivers and vehicles in Connecticut and and are not calculated with a specific rate factor for a Dodge Journey. So the company that can offer you the lowest price may not even be featured in the above rate chart. That’s why you need to get rate quotes using your own personal information and vehicle type.

Discount Connecticut insurance rates

Insurers that sell cheap insurance for a Dodge Journey in Connecticut may provide policy discounts that could lower prices by as much as 40% or more if you meet certain criteria. Larger auto insurance companies and the discounts they provide are:

The information below shows the comparison of insurance premiums with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims or violations, Connecticut state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, marriage, defensive driving course, multiple policy, anti-theft, and accident-free discounts applied. In this example, the the amount saved on auto insurance for a Dodge Journey is 34% or $502.

Impact of citations and accidents on insurance rates

One of the best ways to earn good auto insurance prices in Connecticut for a Journey is to drive attentively and avoid accidents and traffic violations. The illustration below illustrates how traffic citations and at-fault accidents influence auto insurance rates for different categories of driver ages. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of auto insurance in Connecticut per year with a clean driving record and no accidents is $1,831. Get written up for two speeding tickets and the average cost swells to $2,417, an increase of $586 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Dodge Journey goes up to an average of $4,772. That’s an increase of $2,940, or $245 per month, just for being a little careless behind the wheel!

Allstate, Geico, Progressive, or State Farm: Who is best?

If you’re looking for the best insurance for a Journey, the first places to look would be Allstate, Geico, Progressive, and State Farm. Between them, they insure over 48% of the car insurance market in the United States. Each one has slightly different coverages and options that may influence your buying decision. The table below ranks ratings and policy coverage options that may be available in your state.