What Insurance is Cheapest for a Dodge Journey in Arlington?

Buying economical coverage for a Dodge Journey is pretty easy for most people, but it is dependent upon a large number of factors such as your birth date, your credit score, and your choice of deductibles. Drivers in Texas will pay on average $883 per year to insure their Journey, but that price is based upon a 40-year-old married male driver with full coverage and $1,000 deductibles.

The issue with using an average estimated rate is the likelihood you are not 40 years old and maybe not even male, you might be single instead of married, or maybe you just want liability only. Have just a small change in the factors used in pricing a policy can result in a massive change in the cost of a policy.

Insurance is an individual thing, so the only way to find cheap auto insurance rates for your Dodge is to do your own rate comparisons. It’s really quite easy you will be able to compare rates from the best companies that offer coverage in Texas.

Cheapest Dodge Journey Insurance Rates

The trim level of your Journey will be a contributing factor to the cost of coverage, so the rate you pay to insure a Journey SE 2WD model will be $122 less than the price to insure the more expensive Journey SXT Crew AWD version, as shown in the table below.

Dodge Journey Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $166 $236 $392 $24 $118 $936 $78
Journey SXT 2WD $166 $288 $392 $24 $118 $988 $82
Journey R/T 2WD $186 $288 $392 $24 $118 $1,008 $84
Journey SXT Crew 2WD $186 $288 $392 $24 $118 $1,008 $84
Journey SXT AWD $186 $288 $392 $24 $118 $1,008 $84
Journey R/T AWD $186 $338 $392 $24 $118 $1,058 $88
Journey SXT Crew AWD $186 $338 $392 $24 $118 $1,058 $88
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in specific location which can influence price quotes substantially.

Best insurance in Arlington

Finding a highly-rated car insurance company is difficult considering how many choices drivers have in Texas. The company rank data shown below can help you choose which car insurance companies to look at when shopping your coverage around.

The ratings below are only comprised of major nationwide insurance companies, so smaller regional companies are not included in the list. If you would like to check rates from these top-rated insurers and more, follow this link.

Top Ten Insurance Companies for a Dodge Journey in Arlington, TX
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

The chart below shows how choosing a deductible can raise or lower premium costs when trying to find cheap insurance for a Dodge Journey. The information is based on a single male driver, full coverage, and no other discounts are factored in.

As shown above, a 30-year-old driver could lower rates by $436 a year by switching from a $100 deductible up to a $500 deductible, or save $658 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could possibly save up to $1,268 every year by selecting a higher deductible.

When choosing a higher deductible, it will be required to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Cost difference between full coverage and liability

Lowering the price of insurance is the goal of most people, and one good way to lower the cost of insurance for a Dodge Journey is to only buy liability insurance. The example below illustrates the comparison of insurance costs with full coverage compared to only the Texas minimum liability coverage. The rates are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no policy discounts are applied.

If we average the cost for ages 20 through 70, full coverage costs an additional $2,293 per year more than just buying liability insurance. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no written rule that is best for determining when to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,500 after paying your policy deductible. If premiums are more than $550 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

Why are you paying too much for Journey insurance?

Texas insurance rates are impacted by many factors that will increase or decrease the cost of coverage. Turning one year older, having a teenage driver, or getting a DUI may generate price changes that can cause some rates to be cheaper in comparison to the competition.

Also, auto insurance companies change their prices as often as every quarter to reflect underwriting profits or losses. A period of increased losses may result in higher rates, while long-term profits may result in more affordable Journey insurance rates.

To help illustrate this point, the bar chart below shows the cheapest car insurance in Arlington, TX for a 30-year-old female driver with no violations or accidents, and a decent credit rating. When comparing rates based on her current situation, Travelers may have the lowest car insurance rates in Arlington at $1,118 per year. This is $786 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest Arlington, TX auto insurance companies.

Now we will pretend the driver from the first set of rates a couple of claims, less-than-perfect credit, and a few traffic violations. Since each company has a different formula for setting rates, comparing rates may now present a different ranking of cheap Arlington auto insurance companies as shown below.

State Farm now has the cheapest rate in Arlington, TX with Mercury, Nationwide, Safe Auto, and USAA completing the list. This shows why it is critical to compare many different companies to find the best insurance rates for a Dodge Journey.

Insurance prices are influenced by many risk factors and can change without notice, so the lowest-price company the last time you compared rates may now cost much more than other companies.

Tips to find budget-friendly insurance for a Dodge Journey

The list below details some money-saving suggestions that can help Arlington drivers get cheaper auto insurance.

That last piece of advice is notably vital, as was discussed in this article. Car insurance rates adjust frequently, so don’t be unwilling to buy a different policy if a lower-cost policy is available. Having a favorite company is fine, but it isn’t a good idea if that faithfulness ends up costing you money that could be used for better things. In just a couple of minutes you could shop around and find cheaper insurance for a Dodge Journey in Arlington.