Finding the cheapest coverage for a Dodge Journey in California is pretty straightforward, but it is dependent upon an enormous amount of factors such as whether you own a home, your credit score, and any prior driving citations you have received. Drivers in California will pay around $1,243 each year for Journey insurance, but that cost is a projection calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
More likely than not, you are not 30 and maybe not even a male, possibly married instead of single, and you might want liability-only or different deductibles. Having what appears to be a very minor change in the criteria used to calculate rates can make a large difference in the coverage rate.
The different assumptions illustrate why the way we recommend to find affordable rates for your Dodge is to just compare rates yourself. Price quotes are quick and you can get prices from some of the cheapest companies that offer coverage in California.
The specific model of Journey tends to have a direct effect on the cost of insurance, so the price you pay to insure a Journey SE 2WD trim level will be $160 less expensive the price to insure the more costly Journey SXT Crew AWD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $240 | $298 | $578 | $34 | $174 | $1,324 | $110 |
| Journey SXT 2WD | $240 | $362 | $578 | $34 | $174 | $1,388 | $116 |
| Journey R/T 2WD | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Journey SXT Crew 2WD | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Journey SXT AWD | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Journey R/T AWD | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Journey SXT Crew AWD | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price estimates do not factor in zip code location which can modify coverage prices noticeably.
Sacramento auto insurance companies
Choosing a good quality insurer can be a challenge considering how many choices you have in California. The information listed below could help you pick which providers to look at when insurance shopping for a Dodge Journey. The rankings below include the largest companies in America, so smaller regional companies are not factored into these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
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Data Source: Insure.com Best Car Insurance Companies
Impact of citations and accidents on Sacramento insurance rates
The easiest way to obtain affordable auto insurance prices in California for a Journey is to be a cautious driver and avoid tickets and accidents. The chart below shows how violations and at-fault claims raise premium costs for each age group. Data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $1,858. Get written up for one speeding ticket and the average cost jumps to $2,140, an increase of $282 each year. Now get one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Dodge Journey jumps again to an average of $2,921. That’s an increase of $1,063, or $89 per month, just for not driving responsibly!
The chart below highlights how deductible choice can raise or lower insurance premiums when trying to find cheap insurance for a Dodge Journey. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 40-year-old driver could save $490 a year by switching from a $100 deductible to a $500 deductible, or save $736 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could possibly save $1,246 or more just by using higher deductibles. When using a larger deductible, it is necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Tips for finding more affordable auto insurance for a Dodge Journey
It is possible to find better rates, and here are some penny-pinching ideas that can help California drivers quote cheap coverage.
- Pay less by remaining claim-free
- Good credit can save money
- The safer your car, the less it costs to insure
- Being accident-free can lower rates significantly
- Keep your driving record clean
- Keep rates low by shopping around frequently
That last tip is especially valuable, as was discussed in this article. Prices adjust frequently, so drivers shouldn’t be resistant to buy from a new company if a more affordable price is available.
Staying with the same car insurance company is fine, but is isn’t recommended if that faithfulness ends up costing you hundreds every year. It only takes a couple minutes to compare rates to find cheaper car insurance for a Dodge Journey in Sacramento.
If you aren’t sure which coverage to buy and prefer to have some advice when trying to find the best insurance rates for a Dodge Journey, the insurance agencies below can provide answers to your questions and help you determine which policy is best. To find a Sacramento insurance agent close to you, click the button link following the list or click here to get price quotes now.
Eugene C. Yates Insurance Agency
2021 P St – Sacramento, CA 95811 – (916) 313-6100
McGee and Thielen Insurance Brokers
3840 Rosin Ct #245 – Sacramento, CA 95834 – (800) 901-9636
Thrive Insurance Agency
1353 Fulton Ave – Sacramento, CA 95825 – (916) 339-6490
State Farm Insurance: Max Lam
2840 Del Paso Rd #300 – Sacramento, CA 95834 – (916) 575-7600