Who Has Cheap Insurance for a Dodge Journey in Michigan?

Your chances of finding cheaper car insurance for a Dodge Journey in Michigan depends upon a complicated equation that takes into consideration things like whether you are single or married, the condition of your credit, and violations on your driving record. Michigan drivers on average pay around $2,670 per year for Journey insurance, but that figure is using cost data for a 30-year-old single female that wants both comprehensive and collision coverage and $250 policy deductibles.

If we were betting, you are not 30 and maybe not even a female, possibly married instead of single, and there is a good chance that other rated drivers impact the rate. Auto insurance is not “one size fits all”, so the best method for finding the cheapest rates for your Dodge is to shop your policy around at every renewal.

Cheapest Dodge Journey Insurance Rates

Your Dodge’s trim level has an effect on price, so the cost to insure a Journey SE 2WD trim level will be $472 less than the price to insure the more costly Journey SXT Crew AWD trim level, as shown below.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rates do not factor in specific location information which can modify rates substantially.

Finding out which companies have the most affordable insurance rates for a Dodge Journey will require a little more work than just comparing rates from one or two companies. Each insurance company has their own guidelines to set premium rates, so let’s look at the rankings for the insurance companies with the overall cheapest rates in Michigan.

Best Auto Insurance Prices for Your Dodge

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USAA normally has some of the cheapest car insurance rates in Michigan at around $978 a year. GEICO, Safeco, MetLife, and Chubb also qualify as some of the most economical Michigan auto insurance companies.

As shown in the table above, if you buy coverage from GEICO and switched to USAA, you might see a yearly price reduction of about $45. Drivers with Safeco might save as much as $69 a year, and MetLife policyholders might reduce rates by $346 a year.

To compare your rates to other Michigan insurance companies, click here to start your custom quote or visit any of the companies below.

Be aware that those premiums are averages for all ages of drivers and types of vehicles and do not factor in a specific rate factor for a Dodge Journey. So the auto insurance company that fits your age and vehicle best may not even be included in the above rate chart. That helps illustrate why you need to quote rates from many companies using your own driver data and vehicle information.

Does full coverage make sense?

Finding cheap insurance for a Dodge Journey in Michigan should be important to most vehicle owners, and one of the best ways to pay lower rates for insurance is to buy liability only. The diagram below illustrates the difference between yearly insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no claims or driving citations, $100 deductibles, drivers are single, and no other discounts are factored in.

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On average, physical damage coverage on your policy costs an extra $4,670 per year more than just buying liability only. That is a big expense that brings up the question when is it a good idea to stop buying full coverage. There isn’t a steadfast formula for phasing out comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

Safe drivers pay less for insurance

The common sense way to enjoy the best insurance premiums for a Journey is to drive cautiously and avoid at-fault accidents and violations. The information below illustrates how speeding tickets and fender-benders increase insurance premiums for different age categories. The premiums are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

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 Two Accidents’],[‘Age 20’, 5129,5719,10675],[‘Age 30’, 3589,4177,9137],[‘Age 40’, 3543,4133,9093],[‘Age 50’, 3103,3691,8651],[‘Age 60’, 2957,3547,8501],[‘Age 70’, 3177,3765,8723]]);var options = {title: ‘Accidents, Violations, and Michigan 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 Michigan’,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);}

In the example above, the average cost of a car insurance policy in Michigan per year with no accidents or violations is $3,583. Receive one speeding ticket and the average cost swells to $4,172, an increase of $589 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of insurance for a Dodge Journey jumps again to an average of $9,130. That’s an increase of $5,547, or $462 per month, just for being a less-than-perfect driver!

Does State Farm, Progressive, Geico, or Allstate have the cheapest car insurance?

If you want the best insurance for a Journey in Michigan, four companies to take a look at are State Farm, Progressive, Geico, and Allstate. If you put them all together, they insure almost half of all policies written in the United States. The next table breaks down ratings for price and service, as well as some optional coverages that are available for buyers.