Best Cheap Insurance for a Dodge Journey in South Dakota

Your chances of finding cheap coverage for a Dodge Journey in South Dakota depends upon a very complex rating algorithm that uses multiple factors such as driver age, the performance level of your vehicle, and if you have a clean driving record. Drivers in South Dakota will pay around $800 a year for Journey insurance, but that cost is an approximation calculated based on a 30-year-old married male who purchased full coverage and $500 deductibles.

There is a good probability you may not be 30 years old (or even male), you might be single instead of married, or maybe you rent instead of own your home. What seems to be a small difference in input factors could end up in a significant change in the policy rate.

Auto insurance is unique to every driver, so the most reliable method for finding the most affordable coverage for your Dodge is to shop your policy around at every renewal.

Compare Dodge Journey Insurance Rates

The specific model of Journey tends to have a direct effect on the yearly cost, so the price you pay to insure a Journey SE 2WD model will be $132 lower than the insurance cost for the higher-end Journey SXT Crew AWD model, as shown below.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can change premiums considerably.

Which auto insurance company is best in South Dakota?

Finding the best company can be a challenge considering how many companies sell coverage in South Dakota. The company information shown next may help you decide which car insurance providers to look at shopping your coverage with. The ratings below are only made up of companies who write in the majority of U.S. states, so companies that only write business in South Dakota or surrounding areas are not taken into consideration for these rankings.

Top 10 Large Car Insurance Companies in South Dakota Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. Farmers Insurance
10. Esurance

Top 10 Large Car Insurance Companies Overall in South Dakota

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. State Farm
8. Safeco Insurance
9. American Family
10. Allstate

Top Companies for Dodge Journey Insurance in South Dakota

The chart below demonstrates how deductible levels can change annual premium costs when quoting cheap insurance for a Dodge Journey. The rate quotes are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

The data above shows that a 50-year-old driver could lower rates by $210 a year by increasing from a $100 deductible up to a $500 deductible, or save $320 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could drop their prices $522 or even more by using a higher deductible.

If you do raise deductibles, it will be required to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Discounts on the best cheap insurance for a Dodge Journey in South Dakota

Auto insurance companies that offer cheap quotes for a Dodge Journey may also give you discounts that can lower rates by as much as 40% or more if you meet certain criteria. Larger auto insurance companies and some of their more popular discounts are included below.

• State Farm has discounts for Drive Safe & Save, good student, Steer Clear safe driver discount, passive restraint, good driver, and student away at school.
• GEICO offers premium reductions for defensive driver, seat belt use, driver training, anti-theft, and military active duty.
• Progressive includes discounts for multi-vehicle, continuous coverage, online quote discount, homeowner, online signing, and multi-policy.
• 21st Century discounts include 55 and older, defensive driver, automatic seat belts, air bags, good student, early bird, and teen driver.
• American Family may include discounts for TimeAway discount, bundled insurance, good driver, good student, air bags, and mySafetyValet.
• The Hartford policyholders can earn discounts including anti-theft, defensive driver, air bag, vehicle fuel type, and bundle.
• AAA has savings for multi-car, anti-theft, education and occupation, AAA membership discount, and good driver.

The diagram below shows the comparison of yearly insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, a clean driving record, no claims, South Dakota state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, multiple vehicle, accident-free, safe-driver, homeowner, and claim-free discounts applied. When taking advantage of discounts, the the amount saved on auto insurance for a Dodge Journey is 28% or $395.

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

When it comes to buying auto insurance, four companies you’ll want quotes from are Progressive, Allstate, Geico, and State Farm. Between them, they make up about 50% of all policies written. The table below compares ratings and policy coverage options offered by each one.