Buying cheap insurance for a Dodge Journey in Maryland is fairly simple, but it depends on a complicated formula that considers factors such as the safety rating of your vehicle, if you have recent claims, and violations on your driving record. Maryland drivers pay around $1,321 annually for Journey insurance, but that is an estimate based upon a 40-year-old married male driver with full physical damage coverage and $100 deductibles.
It’s highly likely you may not be 40 years old (or even male), single instead of married, and you might want liability-only or different deductibles. Having just a slight change in rating criteria could result in a significant change in the price of coverage.
Everone’s needs are different, and this illustrates why the best method for finding cheap car insurance rates for your Dodge is to do your own rate comparisons. It’s really quite easy you will receive prices from some of the best companies available.
The trim level of your Journey tends to impact the yearly cost, so the price you will be charged to insure a Journey SE 2WD will be $246 less than the cost to insure the fancier Journey SXT Crew AWD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$318||$478||$418||$24||$126||$1,364||$114|
|Journey SXT 2WD||$318||$580||$418||$24||$126||$1,466||$122|
|Journey R/T 2WD||$358||$580||$418||$24||$126||$1,506||$126|
|Journey SXT Crew 2WD||$358||$580||$418||$24||$126||$1,506||$126|
|Journey SXT AWD||$358||$580||$418||$24||$126||$1,506||$126|
|Journey R/T AWD||$358||$684||$418||$24||$126||$1,610||$134|
|Journey SXT Crew AWD||$358||$684||$418||$24||$126||$1,610||$134|
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can affect insurance rates significantly.
Deciding which company has the best insurance rates for a Dodge Journey will involve a little more effort than just comparing rates from one or two companies. Every auto insurer uses their own method to determine rates, so we’ll take a look at the most affordable insurance companies in Maryland.
It’s important to understand that Baltimore, MD insurance rates are impacted by many things which can significantly increase or decrease the price you pay for coverage. Improving your credit rating, buying a new vehicle, or getting into an accident may cause policy rate changes that may make certain companies affordable when they were higher priced.
Cheapest Insurance Rates for Your Dodge
USAA has some of the best car insurance rates in Baltimore at around $958 annually. This is $601 less than the average rate paid by Maryland drivers of $1,559. Liberty Mutual, Erie, Penn National, and State Auto are also some of the most economical Baltimore, MD insurance companies.
As shown in the rates above, if you currently have a policy with Liberty Mutual and switched to USAA, you might realize annual savings of approximately $123. Customers with Erie might save as much as $157 a year, and Penn National insureds might cut rates by $179 a year.
To compare your rates to other Maryland insurance companies, click here to start your free quote or visit several of the following companies.
These policy prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a vehicle location for a Dodge Journey. So the car insurance company that fits your needs best may not even be in the top 16 companies in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
Tickets and at-fault accidents raise rates
In a perfect world, the best way to get cheap insurance rates in Baltimore for a Journey is to be a good driver and avoid accidents and keep your driving record clean. The diagram below illustrates how speeding tickets and fender-benders can raise yearly insurance costs for each age group. Data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.
In the example above, the average cost of car insurance in Maryland per year with no violations or accidents is $1,774. Get written up for one speeding ticket and the average cost surges to $2,066, an increase of $292 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of insurance for a Dodge Journey jumps again to an average of $2,877. That’s an increase of $1,103, or $92 per month, just for being a little careless behind the wheel!
Get discounts on Baltimore insurance rates
Insurance providers that offer coverage for a Dodge Journey may have special discounts that can lower rates by 35% or more if you meet specific criteria. A few of the larger companies and the discounts they provide are detailed below.
- GEICO may include discounts for daytime running lights, federal employee, membership and employees, five-year accident-free, multi-vehicle, and military active duty.
- Travelers offers discounts for new car, multi-car, payment discounts, IntelliDrive, and save driver.
- Farm Bureau policyholders can earn discounts including multi-vehicle, safe driver, youthful driver, good student, multi-policy, driver training, and renewal discount.
- Liberty Mutual offers premium reductions for newly retired, exclusive group savings, safety features, new vehicle discount, new move discount, and hybrid vehicle.
- American Family discounts include mySafetyValet, defensive driver, bundled insurance, good driver, good student, early bird, and Steer into Savings.
- Progressive may have discounts that include multi-policy, continuous coverage, homeowner, multi-vehicle, and online signing.
The chart below shows the comparison of premium costs with and without discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Maryland state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, passive restraint, safe-driver, accident-free, defensive driving course, and claim-free discounts applied. When discounts are factored in, theaverage amount saved on insurance for a Dodge Journey is 28% or $774.
Compare rates to save
Baltimore, MD insurance rates are determined by lots of factors that control the price of your policy. Improving your credit score, buying a different home, or getting a DUI can cause premium changes that can make some companies much cheaper than others.
Not only that, but insurance companies modify pricing every year to adjust for gains or losses. Significantly higher losses may cause additional price hikes, while a profitable period may result in cheaper Journey insurance rates.
The graph below shows the company with the cheapest car insurance in Baltimore, MD for a 35-year-old male driver with a clean driving record, no accidents, and a good credit rating. When quoting prices based on his current risk factors, USAA may have the cheapest car insurance rates in Baltimore at $1,703 per year. This is $144 more than the average price paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto round out the rest of the cheapest Baltimore, MD auto insurance companies.
Now we will pretend the driver from the first example an accident claim, less-than-perfect credit, and an imperfect driving record. Since each auto insurance company has a different formula to set their prices, comparing insurance quotes may now result in a different list of the cheapest companies as shown below.
MetLife now has the best price on car insurance in Baltimore with Travelers, Nationwide, California Casualty, and GEICO now rounding out the top five. This illustrates why it is critical to compare many different companies when trying to find cheap insurance quotes for a Dodge Journey.
Insurance prices are impacted by many factors and can change without notice, so the most economical option when you last compared rates may now be an over-priced policy.
How to find budget-friendly car insurance for a Dodge Journey
It is possible to find better rates, and here are a few money-saving ideas that can help Maryland drivers find cheap coverage.
- Drivers with good credit often pay less
- Earn discounts for being claim-free
- Higher comprehensive and collision coverage deductibles will save money
- Do not pay for full coverage if not needed
- Vehicles with good safety ratings have lower liability rates
- Buying home and auto together can help save money
- Comparison shop at least every other year
The final tip is very necessary, as we stressed in the prior information. Prices go up and down frequently, so you should be ready to switch to a new company if a lower price can be found. Brand loyalty is great, but it’s not a good idea if it’s costing you hundreds of dollars a year. In just a few minutes you could shop around and find cheaper insurance for a Dodge Journey in Baltimore.