Best Cheap Insurance for a Dodge Journey in Missouri

Whether or not you can find cheap coverage for a Dodge Journey in Missouri hinges on many factors such as if you are single or married, if you have prior claims, and if your driving record is clean. Missouri drivers pay an average of $910 every 12 months for Journey insurance, but that cost is an estimate based on rates for a 50-year-old single female driver that purchased full coverage including both comprehensive and collision and $100 deductibles.

More than likely, you are not exactly 50 years old and possibly not even female, possibly married instead of single, and maybe your Journey is older and does not require full coverage. Changing even a minor factor in policy rating factors could result in a significant change in the coverage rate.

Everone’s needs are different, and this illustrates why the best method for finding cheap car insurance rates for your Dodge is to shop your policy around at every renewal.

Cheapest Dodge Journey Insurance Rates

The specific trim level will most likely have an effect on the annual cost of coverage, so the price to insure a Journey SE 2WD model will be $168 less expensive the cost to insure the higher-end Journey SXT Crew AWD model, as shown by the rates below.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific location information which can affect coverage prices substantially.

Finding out which companies offer the most affordable insurance rates for a Dodge Journey calls for a little more work in order to find the lowest price. Each insurance company has a proprietary formula to set their prices, so we’ll take a look at the insurance companies that tend to have lower prices in Missouri.

It’s important that you understand Missouri insurance rates are impacted by many things that control the price of coverage. Simply having a birthday, filing a claim, or having an accident may prompt premium changes that can now make some companies much cheaper than others.

Best Insurance Companies for Your Dodge

Start Your Free Quote

USAA offers some of the lowest car insurance rates in Missouri at around $642 each year. The Hartford, Electric, Allied, and Auto-Owners also are some of the cheapest Missouri insurance companies.

In this example, if you currently have coverage with The Hartford and switched to USAA, you could realize a yearly savings of about $143. Insureds with Electric could save as much as $207 a year, and Allied policyholders might see rate reductions of $233 a year.

Be aware that those premium estimates are averages for all types of insureds and vehicles and are not factoring in a specific rating modification for a Dodge Journey. So the auto insurance company that fits your needs best may not even be featured in the chart above. That’s why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Get discounts on Missouri car insurance

Car insurance companies that offer the best cheap insurance for a Dodge Journey in Missouri may have policy discounts that could reduce prices by 35% or more if you meet specific eligibility requirements. A list of companies and their offered discounts are included below.

The illustration below compares premium costs with and without policy discounts. The data assumes a male driver, no violations or claims, Missouri state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, multiple vehicle, anti-theft, marriage, accident-free, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for a Dodge Journey is 13% or $285.

The information below demonstrates how deductible levels can influence insurance costs when quoting cheap insurance for a Dodge Journey. The data is based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

In the chart above, a 40-year-old driver could lower their car insurance rates by $306 a year by changing from a $100 deductible to a $500 deductible, or save $460 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old category, could possibly save up to $1,008 or even more by choosing a larger deductible amount. When using a larger deductible, it will be necessary to have enough in a savings account to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.