Buying the best cheap auto insurance for a Dodge Journey in Pennsylvania can be really easy, but it relies on a lot of things such as how far you drive to work, the likelihood of your vehicle being stolen, and your driving record. Drivers in Pennsylvania will pay around $1,028 per year for Journey insurance, but that is an estimation based upon a 50-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 50-year-old female, married instead of single, or maybe you prefer higher deductibles. Having the smallest difference in rating factors or requested coverage amount can make a large difference in policy price.
This illustrates why the only real way to find the cheapest coverage for your Dodge is to put in the effort to do a thorough rate comparison.
The specific model of Journey has an effect on the coverage cost, so the price to insure a Journey SE 2WD model will be $176 cheaper than the price to insure the higher-end Journey SXT Crew AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$218||$346||$372||$22||$112||$1,070||$89|
|Journey SXT 2WD||$218||$420||$372||$22||$112||$1,144||$95|
|Journey R/T 2WD||$246||$420||$372||$22||$112||$1,172||$98|
|Journey SXT Crew 2WD||$246||$420||$372||$22||$112||$1,172||$98|
|Journey SXT AWD||$246||$420||$372||$22||$112||$1,172||$98|
|Journey R/T AWD||$246||$494||$372||$22||$112||$1,246||$104|
|Journey SXT Crew AWD||$246||$494||$372||$22||$112||$1,246||$104|
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle garaging location which can affect premium rates greatly.
Pennsylvania car insurance companies
Finding the right insurance provider is difficult considering how many choices there are in Philadelphia. The company information shown below can help you select which coverage providers you want to consider when comparing insurance rates for a Dodge Journey. These rankings are only comprised of large nationwide companies, so smaller companies that only insure vehicles in Pennsylvania will not be included in these rankings.
Top 10 Major Auto Insurance Providers in Philadelphia Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Auto Insurance Providers Overall in Philadelphia
- The General
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
Get discount Philadelphia auto insurance
Insurance providers that offer cheap quotes for a Dodge Journey could also offer price discounts that can lower rates by 25% or more if you qualify for them. Popular car insurance companies and a partial list of their discounts are outlined below.
- American Family offers discounts for TimeAway discount, multi-vehicle, good student, good driver, and accident-free.
- Nationwide may include discounts for accident-free, anti-theft, defensive driving, good student, multi-policy, Farm Bureau membership, and business or organization.
- MetLife includes discounts for claim-free, good student, good driver, accident-free, multi-policy, and defensive driver.
- 21st Century has discounts for student driver, early bird, theft prevention, driver training, 55 and older, teen driver, and homeowners.
- Farmers Insurance has savings for electronic funds transfer, pay in full, multi-car, homeowner, alternative fuel, mature driver, and business and professional.
- Allstate policyholders can earn discounts including resident student, FullPay discount, eSmart discount, auto/life discount, and premier discount.
The information below shows the comparison of insurance prices with and without discounts. The data assumes a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, claim-free, accident-free, multiple policy, anti-theft, and homeowner discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for a Dodge Journey is 28% or $585.
Bad driving habits will cost you more
The common sense way to maintain the most affordable car insurance rates in Philadelphia for a Journey is to drive safe and maintain a clean driving record. The diagram below demonstrates how traffic citations and at-fault accidents impact annual premium costs for different ages of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
In the prior example, the average cost of auto insurance per year with no violations or accidents is $2,090. Get two speeding tickets and the average cost increases to $2,771, an increase of $681 each year. Now get two accidents along with the two speeding tickets and the annual cost of car insurance for a Dodge Journey goes up to an average of $5,234. That’s an increase of $3,144, or $262 per month, just for being a careless driver!
The diagram below illustrates how choosing a deductible can increase or decrease insurance costs when researching cheap insurance for a Dodge Journey. The data assumes a single female driver, comp and collision included, and no additional discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $310 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $472 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, could roll back prices up to $684 or even more by using a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it will be required to have additional savings on hand to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.