Who Has Cheap Auto Insurance Quotes for a Dodge Journey in Newark?

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

Finding competitive auto insurance for a Dodge Journey in New Jersey is dependent upon many rating criteria such as how old the vehicle is, whether or not you have filed claims in the past, and your driving record. Drivers pay on average $1,143 per year to insure their Journey, but that is a projection calculated based on a 30-year-old married male driver with full coverage and $1,000 deductibles.

More likely than not, you aren't exactly 30 years old or even a male, single instead of married, and you may just want the cheapest liability coverage you can find. Insurance is an individual thing, so the way we recommend to find the most affordable coverage for your Dodge is to do the rate comparisons yourself. Quotes only take a few minutes and you will receive prices from the best companies around.

Find Cheaper Dodge Journey Insurance

Vehicle trim level tends to impact the cost of coverage, so the price you will be charged to insure a Journey SE 2WD model will be $168 less than the cost to insure the more well-appointed Journey SXT Crew AWD version, as shown below.

Dodge Journey Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $230 $324 $480 $28 $144 $1,206 $101
Journey SXT 2WD $230 $394 $480 $28 $144 $1,276 $106
Journey R/T 2WD $258 $394 $480 $28 $144 $1,304 $109
Journey SXT Crew 2WD $258 $394 $480 $28 $144 $1,304 $109
Journey SXT AWD $258 $394 $480 $28 $144 $1,304 $109
Journey R/T AWD $258 $464 $480 $28 $144 $1,374 $115
Journey SXT Crew AWD $258 $464 $480 $28 $144 $1,374 $115
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Estimates do not factor in specific zip code location which can increase or decrease price quotes noticeably.

Determining which companies quote the cheapest auto insurance rates for a Dodge Journey will require a little more work than just picking a company at random.

Each auto insurance company has a proprietary method to determine premium rates, so let's look at the rankings for the auto insurance companies with the overall best prices in Newark, NJ. It's a good idea to be aware that Newark auto insurance rates are based on many factors that will increase or decrease the policy premium. Simply having another birthday, buying a home instead of renting, or getting a ticket for running a stop sign may generate price changes that can cause some rates to be much cheaper than others.

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Who has the cheapest car insurance in New Jersey?
Rank Company Cost Per Year
1 21st Century $1,111
2 Travelers $1,180
3 New Jersey Manufacturers $1,258
4 Palisades $1,341
5 Penn National $1,379
6 Allstate $1,478
7 California Casualty $1,495
8 The Hartford $1,536
9 USAA $1,600
10 Mercury $1,651
11 Amica $1,813
12 Esurance $1,838
13 Progressive $1,938
14 MetLife $2,010
15 State Farm $2,248
16 GEICO $2,262
17 Encompass $2,374
18 Liberty Mutual $3,008
19 Hanover $3,909
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21st Century may offer some of the most affordable car insurance rates in Newark at around $1,111 per year. Travelers, New Jersey Manufacturers, Palisades, and Penn National also make the cut as some of the most economical Newark, NJ car insurance companies.

In the above rates, if you currently have a policy with New Jersey Manufacturers and switched to 21st Century, you may realize an annual premium reduction of around $147. Policyholders with Palisades may save as much as $230 a year, and Penn National insureds might reduce prices by as much as $268 a year.

These rates are averaged for all ages of drivers and types of vehicles and and are not figured with an exact location for a Dodge Journey. So the car insurance company that is best suited for you may not even be in the top 19 companies in the list above. That illustrates why you need to compare prices as often as possible using your own specific driver and vehicle information.

Drive safe and save

The easiest method to obtain affordable auto insurance prices in Newark for a Journey is to drive cautiously and avoid getting tickets or having accidents. The information below shows how speeding tickets and at-fault accidents raise insurance prices for different age groups. The data is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.

In the chart above, the average cost of auto insurance in Newark per year with no accidents or violations is $2,590. Add in one speeding ticket and the average cost rises to $2,938, an increase of $348 each year. Then throw in 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 $3,897. That's an increase of $1,307, or $109 per month, just for not being attentive to the road!

Can you find cheaper Journey insurance?

Newark auto insurance rates are impacted by many factors which can significantly increase or decrease the price you pay for coverage. Getting older, marrying your spouse, or having an accident can trigger price changes that may make certain companies affordable when they were higher priced.

Not only that, but auto insurance companies change the rates they charge in New Jersey as often as every quarter in order to offset underwriting gains or losses. Significantly higher claims may result in increased policy costs, while a better loss history may result in cheaper Journey insurance rates.

For instance, the chart below shows rates for the cheapest car insurance in Newark, NJ for a 40-year-old female driver with a clean driving record, no accidents, and solid credit. If we compare prices based on her current rating profile, 21st Century might offer the most affordable car insurance rates in Newark at $1,657 each year. This is $195 less than the average policy premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National are the remainder of the top five cheapest Newark, NJ auto insurance companies.

In this next rate comparison, we will give the driver in the first example a claim, less-than-perfect credit, and a stop sign violation. Due to the fact that every insurance company has a proprietary formula for determining rates in each state, analyzing rates may result in a substantially altered list of the cheapest car insurance companies in Newark as shown below.

Allstate now has the best price in Newark with California Casualty, Travelers, USAA, and Mercury completing the list. This example demonstrates why New Jersey drivers need to shop around when trying to get cheap insurance rates for a Dodge Journey.

Car insurance prices are calculated by many risk factors and can change without notice, so the most affordable company six months ago may now be costing you a lot of money.

If you aren't clear which coverage you need and would like to have a consultation when shopping for the best coverage for a Journey, the agents below can most likely answer your questions and help you decide which insurance coverage will be best for you.

To find a Newark insurance agent closest to you, click the link after the list.

Costa Do Sol Agency
650 Newark Ave - Elizabeth, NJ 07208 - (908) 352-3623

Farmers Insurance - Anthony Pugliese
41 Wilson Ave - Newark, NJ 07105 - (973) 732-2105

Rosa, Michael Rosa Agency INC
360 Lafayette St - Newark, NJ 07105 - (973) 589-7550

Dependable Insurance Agency Inc
1030 S Orange Ave - Newark, NJ 07106 - (973) 372-0002

338 Washington Ave - Belleville, NJ 07109 - (973) 759-8291

More Newark, NJ insurance agents