Buying cheap insurance for a Dodge Journey is usually pretty straightforward, but it hinges on many rating factors such as your birth date, your claims history, and driving violations and tickets. Drivers in Georgia will pay on average $1,372 per year for Journey insurance, but that cost is a projection calculated using a 50-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
Most likely you are not 50 and maybe not even a male, maybe you are married instead of single, and maybe your Journey just needs liability-only coverage. Having the smallest difference in policy rating criteria or coverages can make a big difference in the cost of insurance.
Not every driver requires the same auto insurance coverages, so the only way to find the most affordable coverage for your Dodge is to do a thorough rate comparison.
The trim level of your Dodge tends to have a direct impact on the coverage cost, so the rate you will pay to insure a Journey SE 2WD trim level will be $260 cheaper than the cost 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 | $292 | $518 | $444 | $26 | $134 | $1,414 | $118 |
| Journey SXT 2WD | $292 | $630 | $444 | $26 | $134 | $1,526 | $127 |
| Journey R/T 2WD | $328 | $630 | $444 | $26 | $134 | $1,562 | $130 |
| Journey SXT Crew 2WD | $328 | $630 | $444 | $26 | $134 | $1,562 | $130 |
| Journey SXT AWD | $328 | $630 | $444 | $26 | $134 | $1,562 | $130 |
| Journey R/T AWD | $328 | $742 | $444 | $26 | $134 | $1,674 | $140 |
| Journey SXT Crew AWD | $328 | $742 | $444 | $26 | $134 | $1,674 | $140 |
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in your specific Atlanta location which can alter prices noticeably.
Picking the top insurance company is difficult considering how many different companies there are to choose from in Georgia. The company information listed below may help you choose which auto insurance companies to look at purchasing coverage from. These rankings include the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not included in the list.
Top 10 Major Auto Insurance Providers in Atlanta Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Major Auto Insurance Providers in Atlanta Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Discount Atlanta insurance rates
Car insurance companies that offer coverage for a Dodge Journey may also give you price discounts that can reduce rates by 30% or more if you meet the requirements. The best auto insurance companies and some of their more popular discounts include:
- State Farm has savings for multiple policy, Steer Clear safe driver discount, driver’s education, defensive driving training, and good student.
- GEICO may offer discounts for seat belt use, multi-policy, military active duty, membership and employees, anti-lock brakes, and five-year accident-free.
- Liberty Mutual includes discounts for newly retired, teen driver discount, new vehicle discount, new move discount, and new graduate.
- The Hartford offers discounts for driver training, anti-theft, air bag, vehicle fuel type, good student, bundle, and defensive driver.
- MetLife has discounts for good student, multi-policy, accident-free, claim-free, and good driver.
- Progressive discounts include online quote discount, homeowner, online signing, multi-policy, good student, and continuous coverage.
The illustration below illustrates the difference between car insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no tickets, no at-fault accidents, Georgia state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with accident-free, multiple vehicle, safe-driver, anti-theft, defensive driving course, and multiple policy discounts applied. With discounts applied, theaverage yearly reduction on auto insurance for a Dodge Journey is 28% or $527.
Why you are probably overpaying for Journey insurance
Georgia auto insurance rates are impacted by many factors which can substantially decrease or increase the policy price. Simply having a birthday, increasing deductibles, or getting a reckless driving citation can cause premium changes resulting in some companies being affordable when they were higher priced. Not only may your situation change, but companies modify rates as needed in order to maintain liquidity for claims. Higher than normal claim frequency or severity can cause higher prices, while lower claim expenses can produce lower-priced Journey insurance rates.
To illustrate this example, the graph below shows the company with the cheapest car insurance in Atlanta, GA for a 35-year-old male driver with a clean driving record, no accidents, and great credit. When comparing rates based on his current risk profile, Auto-Owners has the lowest car insurance rates in Atlanta at $1,136 annually. This is $393 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also on the list of the best Atlanta, GA auto insurance companies.
Let’s now give the driver from the first set of rates a claim or two, a little lower credit rating, and a speeding citation. Since every car insurance company has their own process for setting prices, comparing quotes will most likely result in a different set of affordable Atlanta car insurance companies as shown below.
The Hartford now has the cheapest price in Atlanta, GA with Travelers, Mercury, Safeco, and Country completing the list. This example shows why drivers need to perform an extensive rate comparison to get cheap auto insurance rates for a Dodge Journey.
Insurance rates are impacted by many different factors and change substantially, so the most affordable company the last time you compared rates may now be priced much higher than other options.
How to find low-cost insurance for a Dodge Journey
Below you’ll find some thrifty ideas that can help Georgia drivers find lower-cost car insurance.
- Raise physical damage deductibles
- Good credit can help you save money
- Buy a car with high safety ratings
- Don’t waste money on full coverage for older vehicles
- Avoid getting citations and tickets
- Having at-fault accidents will increase rates
- Shop around for cheaper rates regularly
The final tip is highly necessary, as was noted in this write-up. Car insurance prices fluctuate constantly, so don’t hesitate to change insurance companies if a better deal can be had. Having a favorite company is great, but it’s not a great idea if it’s costing you thousands of dollars over the life of your policy. It takes less than five minutes to shop around and find cheaper insurance for a Dodge Journey in Atlanta.