Cheapest Insurance for a Dodge Journey in South Carolina

Since we’re writing about auto insurance, the words “cheap” or “affordable” shouldn’t be used anywhere to describe car insurance prices. Unfortunately, cheap car insurance for a Dodge Journey can be hard, if not impossible, to find. Don’t let that ruin your day, because we are going to show you how you can find coverage that is more affordable.

Your chances of finding the best cheap coverage for a Dodge Journey in South Carolina is dependent upon a complicated equation that takes into consideration things like whether or not you are married, where you live, and your motor vehicle report. South Carolina drivers on average will pay $1,170 each year to insure a Dodge Journey, but that is a ballpark figure based upon a 30-year-old single female who requires comprehensive and collision coverage and $500 policy deductibles.

There’s a high likelihood you are not 30 and possibly not even female, you might be married instead of single, or maybe you have a violation on your driving record. Having what appears to be a very minor change in policy rating criteria or coverages can cause significant differences in rate quotes.

Each driver’s needs are different, and that demonstrates why your best chance at finding affordable rates for your Dodge is to put in the effort to do a thorough rate comparison. It’s really quite easy you can get prices from the best auto insurance companies that insure vehicles in South Carolina.

Insure Your Dodge for Less

The trim level of your Dodge tends to impact the cost of coverage, so the rate you will pay to insure a Journey SE 2WD model will be $188 cheaper than the price to insure the higher-priced Journey SXT Crew AWD version, as shown below.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific zip code location which can influence price quotes significantly.

Insuring your vehicle with a good quality auto insurance company can be a challenge considering how many companies sell insurance in South Carolina. The company ratings listed below can help you select which insurers you want to consider purchasing coverage from.

These rankings only include the largest companies in America, so companies that may only write in South Carolina are not factored into this list. To compare prices from the most competitive companies in South Carolina, just click here.

Top 10 Large Car Insurance Companies Overall in South Carolina

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top 10 Large Car Insurance Companies in South Carolina Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Top Companies for Dodge Journey Insurance in South Carolina

Reckless driving habits raise South Carolina insurance rates

The best way to earn the cheapest insurance for a Dodge Journey in South Carolina is to drive attentively and have a clean driving record. The chart below demonstrates how speeding tickets and fender-benders impact car insurance rates for each different age category. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

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The data above shows the average cost of a car insurance policy in South Carolina per year with no violations or accidents is $1,788. Receive two speeding tickets and the average cost hikes up to $2,549, an increase of $760 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for a Dodge Journey goes up to an average of $5,245. That’s an increase of $3,456, or $288 per month, just for not paying attention while driving!

Discounts on the cheapest insurance for a Dodge Journey in South Carolina

Insurance providers that provide policies for a Dodge Journey may provide price discounts that could potentially reduce rates by as much as 40% or more if you can meet the requirements. A list of companies and the discounts they provide are included below.

• Farmers Insurance discounts include homeowner, pay in full, mature driver, multi-car, teen driver, and early shopping.
• Esurance policyholders can earn discounts including defensive driver, multi-car, homeowner, good student, Pac-12 alumni, claim free, and anti-theft.
• State Farm offers discounts for passive restraint, Drive Safe & Save, defensive driving training, good student, driver’s education, and Steer Clear safe driver discount.
• GEICO may include discounts for multi-policy, seat belt use, driver training, multi-vehicle, and air bags.
• Allstate may have discounts that include EZ pay plan discount, auto/life discount, safe driver, multi-policy, senior citizen, premier discount, and anti-lock brakes.

The diagram below shows the comparison of car insurance costs with and without discounts. The premiums are based on a male driver, no accidents or driving violations, South Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with safe-driver, anti-theft, defensive driving course, multiple policy, passive restraint, and vehicle safety discounts applied. When drivers take advantage of discounts, the the average yearly reduction on insurance for a Dodge Journey is 28% or $703.

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Is State Farm, Geico, Progressive, or Allstate cheaper?

If you’re looking for the best insurance for a Journey, four of the larger companies to compare rates for are State Farm, Geico, Progressive, and Allstate. Combined they make up over 45% of the entire U.S. auto insurance market. All offer your standard physical damage and liability coverages, but each one has unique coverages that may affect your buying decision. The table below breaks down price, claims, and customer service ratings, as well as some optional coverages that are available for policyholders.