Who Has Cheap Auto Insurance for a Dodge Journey in San Diego?

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Dodge Journey insurance cost
Dodge Journey insurance cost image courtesy of QuoteInspector.com

Buying the cheapest insurance for a Dodge Journey in California is normally pretty easy, but it relies on a very complex rating algorithm that uses multiple factors such as how far you drive to work, your credit status, and any prior driving offenses you have. Drivers in California pay approximately $1,515 per year to insure their Journey, but that figure is an estimation using a 30-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.

Odds are that you aren't exactly 30 years old or even a female, maybe you are married instead of single, and maybe you want different deductibles. Not everyone needs the same coverages, so the only real way to find cheap insurance rates for your Dodge is to compare as many rates as possible. Get your free quotes now and you will receive price comparisons from top-rated car insurance companies available.

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The trim level of your vehicle tends to have a direct effect on the annual cost of coverage, so the cost to insure a Journey SE 2WD trim level will be $242 less than the insurance cost for the more costly Journey SXT Crew AWD trim level, as demonstrated by the prices below.

Dodge Journey Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $308 $470 $596 $36 $178 $1,588 $132
Journey SXT 2WD $308 $570 $596 $36 $178 $1,688 $141
Journey R/T 2WD $348 $570 $596 $36 $178 $1,728 $144
Journey SXT Crew 2WD $348 $570 $596 $36 $178 $1,728 $144
Journey SXT AWD $348 $570 $596 $36 $178 $1,728 $144
Journey R/T AWD $348 $672 $596 $36 $178 $1,830 $153
Journey SXT Crew AWD $348 $672 $596 $36 $178 $1,830 $153
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium costs do not factor in specific location information which can impact premium rates substantially.

Finding out which company offers the most affordable auto insurance rates for a Dodge Journey will take more work in order to find the best policy.

Every insurance company has a proprietary method to establish rates, so we will examine the auto insurance companies that tend to be cheaper in San Diego, CA. It's a good idea to be aware that San Diego auto insurance rates are based on many factors that may substantially change the price of your policy. Simply having another birthday, buying higher coverage limits, or getting a speeding ticket may cause policy rate changes that can cause some rates to be cheaper than competitors.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,146
3 Century National $1,178
4 CSAA $1,186
5 Nationwide $1,226
6 21st Century $1,325
7 Grange $1,433
8 Mercury $1,488
9 Progressive $1,496
10 Allstate $1,513
11 Allied $1,541
12 GEICO $1,575
13 The Hartford $1,623
14 MetLife $1,654
15 Esurance $1,688
16 State Farm $1,733
17 Unitrin $1,750
18 Travelers $1,842
19 Bristol West $1,849
20 Farmers $1,966
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USAA quotes some of the best car insurance rates in San Diego at around $1,143 annually. Wawanesa, Century National, CSAA, and Nationwide are also some of the more affordable San Diego, CA auto insurance companies.

In the rate table above, if you currently have a policy with CSAA and switched to Wawanesa, you could see an annual savings of upwards of $40. Drivers with Nationwide could save as much as $80 a year, and 21st Century customers might reduce rates by $179 a year.

These policy prices are averages across all drivers and vehicles in California and do not take into consideration an exact vehicle garaging location for a Dodge Journey. So the insurer that has the lowest price for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

Price comparison of only insuring for liability

Lowering the price of auto insurance is important to the majority of vehicle owners, and one of the best ways to reduce the cost of insurance for a Dodge Journey is to not buy full coverage. The illustration below compares car insurance rates when comparing full coverage to liability only. The costs are based on no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

As an overall average, physical damage insurance costs $2,798 per year more than just buying liability only. That touches on the question when is it safe to stop buying full coverage. There is no specific rule of when to exclude physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

Low rates today, overpriced tomorrow

San Diego, CA auto insurance rates are impacted by many factors that will increase or decrease the price you have to pay. Improving your credit score, getting married, or getting a few speeding tickets can cause premium changes that can cause some rates to be cheaper than before. Not only may your risk profile change, but insurance companies file new rates as needed to ensure their profitability. A period of higher than normal claims can cause more expensive prices, while better underwriting can cause lower-priced Journey insurance rates.

For example, the data below shows the company with the cheapest car insurance in San Diego, CA for a 45-year-old female driver with no accidents or violations, and a good credit rating. If we estimate rates based on her current risk factors, USAA may have the best car insurance rates in San Diego at $1,169 each year. This is $482 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also included in the most affordable San Diego, CA auto insurance companies.

Now we will give the driver from the above example a claim or two, a little lower credit rating, and a stop sign violation. Since each auto insurance company has a different process for establishing rates, comparing prices could result in a different list of the cheapest car insurance companies in San Diego as shown below.

Grange now has the cheapest car insurance in San Diego, CA with Progressive, Mercury, Allied, and Allstate also being competitive. This example demonstrates why it is so important to shop around when trying to get the most budget-friendly insurance rates for a Dodge Journey.

Rates can be altered by many things and change substantially, so the best company the last time you compared rates may now be priced much higher than other options.