Best Cheap Insurance Quotes for a Dodge Journey in Nevada

The chances of buying cheap insurance for a Dodge Journey in Nevada depends on a large number of rating criteria like when you were born, if you have ever let your coverage lapse, and if your driving record shows any at-fault accidents. Drivers in Nevada on average will pay $730 each year to insure a Dodge Journey, but that rate is a ballpark figure calculated using a 30-year-old married female driver that has full coverage and $1,000 policy deductibles.

But there is a high likelihood that you are not 30 and maybe not even a female, possibly single instead of married, or maybe your Journey doesn’t need comprehensive and collision coverage. Have just a small change in the factors used to determine rates can generate big changes in the cost of a policy.

Every driver has a different risk profile, so your best chance at finding affordable rates for your Dodge is to put in the effort to do a thorough rate comparison.

Cheapest Dodge Journey Insurance Rates

Your Dodge’s trim level tends to impact the annual cost of coverage, so the rate you will pay to insure a Journey SE 2WD will cost $108 less than the cost to insure the more expensive Journey SXT Crew AWD version, as shown in the prices below.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in garaging location in Nevada which can modify auto insurance rates greatly.

Finding dependable, low-cost car insurance is confusing at best, and finding out which companies quote the cheapest insurance rates for a Dodge Journey takes even more work.

Each insurer has their own formula to set premium rates, so we’ll go over the insurance companies that tend to have lower prices in Nevada. It’s important that you understand Nevada insurance rates are impacted by many factors which can substantially change your annual premium. Things like getting older, increasing deductibles, or getting a ticket for careless driving can produce rate changes that may make certain companies higher-priced than before.

Best Auto Insurance Prices for Your Dodge

Start Your Free Quote

Travelers generally has some of the most affordable car insurance rates in Nevada at around $912 per year. Allied, Capital, American Family, and Oregon Mutual also make the cut as some of the cheapest Nevada insurance companies.

As shown above, if you currently have a policy with American Family and switched to Allied, you may realize an annual premium reduction of upwards of $233. Customers with Oregon Mutual might save as much as $244 a year, and GEICO customers might lower prices by $283 a year.

To get a quick, customized rate comparison, click here to get quotes or click through to the companies below.

It’s important to note that these rates are averaged across all insureds and vehicles and do not factor in a specific rating modification for a Dodge Journey. So the company that can offer you the best price may not even be in the above rate chart. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

How to get discounts on Nevada auto insurance rates

Insurance companies that sell the best cheap insurance for a Dodge Journey in Nevada could also offer special discounts that may potentially lower prices by as much as 35% if you can meet the requirements. Companies and some of the premium reductions they offer are:

• GEICO has discounts for multi-vehicle, anti-theft, anti-lock brakes, five-year accident-free, and daytime running lights.
• Mercury Insurance discounts include good student, multi-policy, good driver, professional/association, and age of vehicle.
• Farmers Insurance may include discounts for distant student, business and professional, early shopping, homeowner, teen driver, and pay in full.
• Auto-Owners Insurance has savings for anti-lock brakes, teen driver, anti-theft, safe driver, student away at school, multi-policy, and paid in full.
• Liberty Mutual offers premium reductions for newly married, exclusive group savings, teen driver discount, hybrid vehicle, new vehicle discount, and new move discount.
• SAFECO policyholders can earn discounts including anti-lock brakes, anti-theft, multi-car, safe driver, drive less, and teen safety rewards.
• Progressive may offer discounts for online quote discount, multi-policy, good student, continuous coverage, online signing, multi-vehicle, and homeowner.
• USAA offers discounts for vehicle storage, driver training, safe driver, good student, new vehicle, and defensive driver.

The chart below compares auto insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, defensive driving course, passive restraint, accident-free, vehicle safety, and multiple policy discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for a Dodge Journey is 28% or $432.

Company comparison: Progressive vs Geico vs State Farm vs Allstate

If you want reliable insurance for a Journey in Nevada, probably the best companies to start with are Progressive, Geico, State Farm, and Allstate. When combined, they make up almost 50% of the car insurance market in the United States. They all offer your standard coverages, but each one has different optional coverages and features that add value to each policy. The table below ranks some of the different options you can buy with each company.