Who Has Affordable Car Insurance Rates for a Dodge Journey in Sacramento?

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.

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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.

Dodge Journey Insurance Rates in Sacramento, CA
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.

Best Ten Auto Insurance Companies for a Dodge Journey in Sacramento
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.

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 StSacramento, CA 95811(916) 313-6100

McGee and Thielen Insurance Brokers
3840 Rosin Ct #245Sacramento, CA 95834(800) 901-9636

Thrive Insurance Agency
1353 Fulton AveSacramento, CA 95825(916) 339-6490

State Farm Insurance: Max Lam
2840 Del Paso Rd #300Sacramento, CA 95834(916) 575-7600

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