Finding the cheapest coverage for a Dodge Journey in Colorado is dependent upon a fairly complex equation with a lot of factors such as annual vehicle mileage, if you have prior claims, and the deductible amount you use. Drivers in Colorado pay on average $1,059 each year to insure their Journey, but that figure is an approximation based on a 30-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
If we were betting, you are not 30 years old and maybe not even female, maybe you are married instead of single, or maybe you have a teen driver on your policy that needs to be considered. The different assumptions illustrate why the only real way to find cheap auto insurance rates for your Dodge is to compare as many rates as possible.
The trim level of your Dodge will likely have an effect on the cost of insurance, so the price to insure a Journey SE 2WD will cost $150 less than the price to insure the more costly Journey SXT Crew AWD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$186||$290||$474||$28||$142||$1,120||$93|
|Journey SXT 2WD||$186||$354||$474||$28||$142||$1,184||$99|
|Journey R/T 2WD||$210||$354||$474||$28||$142||$1,208||$101|
|Journey SXT Crew 2WD||$210||$354||$474||$28||$142||$1,208||$101|
|Journey SXT AWD||$210||$354||$474||$28||$142||$1,208||$101|
|Journey R/T AWD||$210||$416||$474||$28||$142||$1,270||$106|
|Journey SXT Crew AWD||$210||$416||$474||$28||$142||$1,270||$106|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific location information which can affect coverage prices noticeably.
Insuring your vehicle with the highest-rated auto insurance provider is hard considering how many companies sell insurance in Colorado. The information shown next could help you select which insurers to look at purchasing from. The rankings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not factored into this list.
Top 10 Large Auto Insurers in Colorado Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- Allstate - 88%
- 21st Century - 88%
- The General - 88%
Top 10 Large Auto Insurers in Colorado Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
Top Companies for Dodge Journey Insurance in Colorado
The chart below highlights how deductible choice can raise or lower insurance costs when researching cheap insurance for a Dodge Journey in Colorado. The information is based on a married female driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could lower their policy premium by $290 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $440 by using a $1,000 deductible. Even younger insureds, like the age 20 example, have the ability to save as much as $622 each year by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be important to have additional funds squirreled away to satisfy the extra out-of-pocket expense that comes with higher deductibles.
Your cheap Journey insurance may actually be overpriced
Colorado insurance rates are based on many factors that may substantially change the cost of having a policy. Improving your credit score, having a teenage driver, or having a fender bender can cause premium changes resulting in some rates now being more affordable than before. Not only may things change on your end, but insurance companies file new Colorado auto insurance rates at least once a year to reflect underwriting profits or losses. Larger than normal claims may result in rate hikes, while lower claim expenses may cause lower-cost Journey insurance rates.
To help illustrate this point, the graph below shows the company with the cheapest car insurance in Colorado for a 40-year-old female driver with no accidents, a clean driving record, and good financial standing. If we compare prices based on her current situation, The Hartford may have the most affordable car insurance rates in Colorado at $834 a year. This is $744 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners are the rest of the cheapest Colorado auto insurance companies.
In this example, we will give the driver from the first example some claims, less-than-perfect credit, and a blemish on her driving record. Since every insurance provider has a unique approach for filing rates in each state, comparing insurance quotes may now present a substantially altered list of companies as shown below.
GEICO now has the cheapest insurance rate in Colorado with State Farm, American Family, Grange, and Amica also being competitive. This example shows why it is crucial to perform an extensive rate comparison to get the cheapest auto insurance rates for a Dodge Journey. Insurance prices are determined by many factors and can change without notice, so the best option when you bought your policy may now be costing you a lot of money.