Finding cheap insurance for a Dodge Journey in Alaska can be really easy, but it depends on a very complex rating algorithm that uses multiple factors such as whether you use your Journey for business use, the size of your vehicle, and driving violations and tickets. Drivers in Alaska pay on average $926 each year for Journey insurance, but that price is a valuation calculated based on a 30-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
Most likely you are not 30 years old and maybe not even male, single instead of married, and you may just want the cheapest liability coverage you can find. Everyone has unique insurance needs, and this illustrates why the only real way to find the cheapest coverage for your Dodge is to do your own rate comparisons. In just a couple of minutes you will get price quotes from top-rated car insurance companies in Alaska.
Your Dodge’s trim level tends to impact the yearly cost, so the price you will be charged to insure a Journey SE 2WD model will be $180 less than the cost to insure the high end Journey SXT Crew AWD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$234||$348||$272||$16||$82||$952||$79|
|Journey SXT 2WD||$234||$422||$272||$16||$82||$1,026||$86|
|Journey R/T 2WD||$264||$422||$272||$16||$82||$1,056||$88|
|Journey SXT Crew 2WD||$264||$422||$272||$16||$82||$1,056||$88|
|Journey SXT AWD||$264||$422||$272||$16||$82||$1,056||$88|
|Journey R/T AWD||$264||$498||$272||$16||$82||$1,132||$94|
|Journey SXT Crew AWD||$264||$498||$272||$16||$82||$1,132||$94|
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in vehicle location which can revise rates noticeably.
Finding the highest-rated insurance company can be challenging considering how many companies there are to choose from in Alaska. The company information below may help you choose which auto insurers you want to consider purchasing from. These rankings are only made up of major nationwide insurance companies, so companies that only write business in Alaska or surrounding areas are not factored into this list.
Top 10 Large Car Insurance Companies in Anchorage Ranked by A.M. Best Rating
- USAA – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Allstate – A+
- Progressive – A+
- The Hartford – A+
- The General – A-
- AAA Insurance – A
- Liberty Mutual – A
Tickets and at-fault accidents raise rates
A great way to enjoy low insurance rates in Alaska for a Journey is to be a cautious driver and have a clean driving record. The illustration below demonstrates how speeding tickets and at-fault claims influence yearly insurance costs for different ages of insureds. The price estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
In the chart above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,059. Get written up for two speeding tickets and the average cost surges to $1,494, an increase of $435 each year. Then add one accident along with the two speeding tickets and the yearly cost of insurance for a Dodge Journey jumps again to an average of $1,932. That’s an increase of $873, or $73 per month, just for not paying attention while driving!
Discount Anchorage car insurance
Insurance companies that offer coverage for a Dodge Journey may additionally offer premium discounts that could reduce prices by 35% or more if you are eligible. Large insurance companies and some of the discounts are outlined below.
- Farmers Insurance may offer discounts for early shopping, homeowner, alternative fuel, distant student, youthful driver, teen driver, and mature driver.
- Esurance policyholders can earn discounts including DriveSense, Pac-12 alumni, safety device, homeowner, multi-car, renters, and good student.
- State Farm offers discounts including accident-free, defensive driving training, good driver, student away at school, Drive Safe & Save, anti-theft, and driver’s education.
- GEICO has savings for emergency military deployment, good student, military active duty, daytime running lights, seat belt use, and multi-policy.
- Allstate discounts include good payer, 55 and retired, economy car, auto/life discount, premier discount, and defensive driver.
The illustration below visualizes the comparison of car insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, a clean driving record, no at-fault accidents, Alaska state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, multiple policy, safe-driver, multiple vehicle, vehicle safety, and homeowner discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for a Dodge Journey is 28% or $482.
How to find budget-friendly auto insurance for a Dodge Journey
The list below summarizes many thrifty suggestions that can help drivers find more affordable car insurance.
- Good credit can save money
- Buy vehicles with five-star safety ratings
- Frequent claims will increase rates
- Drive safely
- Do not get into accidents that are your fault
- Compare rates and switch if you can find a better deal
The last idea is extremely valuable, as we pointed out in this article. Insurance rates in Anchorage fluctuate constantly, so don’t be hesitant to switch to a new company if you can find a cheaper rate. Brand loyalty is great, but it’s not recommended if your bullheadedness ends up costing you lots of hard earned cash every month. Now is a great time to compare prices and find cheaper auto insurance for a Dodge Journey.