Cheap Dodge Journey Car Insurance in 2025 (Big Savings With These 10 Companies!)

#1 – State Farm: Top Overall Pick

Pros

• Competitive Rates: State Farm offers affordable premiums, starting at just $45 per month, making it an attractive option for budget-conscious customers.
• Strong Reputation: State Farm is well-known for its reliable customer service and efficient claims handling, providing peace of mind to policyholders.
• Customized Coverage Options: State Farm offers a range of coverage options tailored to individual needs, allowing customers to select the level of protection that best suits them.

Cons

• Limited Discounts: While State Farm offers some discounts, such as multi-policy and safe driver discounts, it may not have as many discount opportunities compared to other providers. Learn more through our State Farm insurance review.
• Availability: State Farm’s services may not be available in all areas, limiting accessibility for potential customers in certain regions.

#2 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Rewards: American Family offers loyalty rewards programs, providing incentives and discounts for long-term customers, enhancing customer satisfaction and retention.
• Personalized Service: American Family is known for its personalized approach to customer service, offering dedicated agents who work closely with policyholders to meet their individual needs.
• Comprehensive Coverage Options: American Family provides a wide range of coverage options, including customizable policies tailored to specific requirements, ensuring comprehensive protection.

Cons

• Higher Premiums: American Family’s premiums start at $47 per month, which may be slightly higher compared to some other providers, potentially impacting affordability for budget-conscious customers.
• Limited Availability: American Family’s services may not be available nationwide, limiting options for customers in certain regions. Read more through our American Family insurance review.

#3 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide offers a vanishing deductible program, allowing policyholders to reduce their deductible amount over time by maintaining a clean driving record, incentivizing safe driving behavior.
• Financial Stability: Nationwide has a strong financial stability rating, providing reassurance to policyholders regarding the company’s ability to fulfill claims and obligations.
• Nationwide Network: Nationwide has a vast network of agents and service centers across the country, offering convenience and accessibility to customers.

Cons

• Higher Premiums: Nationwide’s premiums start at $48 per month, which may be higher compared to some other providers, potentially affecting affordability for certain customers. Learn more through our Nationwide insurance review.
• Complaint Level: While Nationwide generally receives positive reviews, some customers have reported issues with claims processing and customer service, indicating potential areas for improvement in customer satisfaction.

#4 – Mercury: Best for Affordability Focus

Pros

• Affordability Focus: Mercury is known for its affordability focus, offering competitive rates starting at $49 per month, appealing to customers seeking cost-effective insurance solutions. Read more through our Mercury insurance review.
• Flexible Coverage Options: Mercury provides a variety of coverage options tailored to individual needs, allowing customers to customize their policies according to their specific requirements.
• Strong Financial Stability: Mercury has a strong financial stability rating, ensuring customers that the company can fulfill its obligations and pay claims promptly.

Cons

• Limited Availability: Mercury’s services may not be available in all states, limiting accessibility for potential customers in certain regions.
• Customer Service: Some customers have reported issues with Mercury’s customer service, citing difficulties in reaching representatives and resolving issues in a timely manner.

#5 – Progressive: Best for Snapshot Program

Pros

• Snapshot Program: Progressive offers the Snapshot program, which allows policyholders to potentially lower their premiums by demonstrating safe driving habits through telematics. Read more through our Progressive insurance review.
• Variety of Discounts: Progressive provides various discounts, such as multi-policy, multi-car, and good student discounts, offering opportunities for customers to save on their premiums.
• Convenient Online Tools: Progressive offers an easy-to-use website and mobile app, allowing customers to manage their policies, file claims, and access resources conveniently.

Cons

• Higher Starting Premiums: Progressive’s premiums start at $50 per month, which may be slightly higher compared to some other providers, potentially impacting affordability for certain customers.
• Customer Service Concerns: Some customers have reported issues with Progressive’s customer service, including delays in claims processing and difficulty reaching representatives during peak times.

#6 – Travelers: Best for Safe Drivers

Pros

• Safe Drivers Discounts: Travelers offers discounts for safe drivers, rewarding policyholders with a history of safe driving behavior.
• Financial Strength: Travelers boasts a strong financial rating, assuring policyholders of the company’s ability to meet its financial obligations and pay claims promptly.
• Customizable Policies: Travelers provides customizable policies tailored to individual needs, allowing customers to select coverage options that best suit their requirements.

Cons

• Higher Premiums: Travelers’ premiums start at $52 per month, which may be higher compared to some other providers, potentially affecting affordability for certain customers.
• Limited Availability: Travelers’ services may not be available in all areas, limiting options for customers in certain regions. Learn more through our Travelers insurance review.

#7 – Farmers: Best for Usage Based

Pros

• Usage-Based Insurance: Farmers offers usage-based insurance options, allowing policyholders to potentially lower their premiums by demonstrating safe driving habits.
• Customizable Coverage: Farmers provides customizable coverage options, allowing customers to tailor their policies to meet their specific needs and budget.
• Additional Benefits: Farmers offers additional benefits such as roadside assistance and new car replacement coverage, enhancing the value of their insurance offerings.

Cons

• Higher Premiums: Farmers’ premiums start at $53 per month, which may be higher compared to some other providers, potentially impacting affordability for certain customers. Further details can be found in our Farmers insurance review.
• Customer Service Concerns: Some customers have reported issues with Farmers’ customer service, including delays in claims processing and difficulty reaching representatives.

#8 – Allstate: Best for Bundling Options

Pros

• Bundling Options: Allstate offers bundling options for customers who combine multiple insurance policies, potentially providing discounts and saving money.
• Accident Forgiveness: Allstate provides accident forgiveness programs, allowing policyholders to avoid rate increases after their first at-fault accident. Read more through our Allstate insurance review.
• Wide Range of Coverage: Allstate offers a wide range of coverage options, including specialized policies for various needs such as classic cars and rideshare drivers.

Cons

• Higher Starting Premiums: Allstate’s premiums start at $55 per month, which may be slightly higher compared to some other providers, potentially impacting affordability for certain customers.
• Mixed Customer Service Reviews: While Allstate generally receives positive reviews for its customer service, some customers have reported issues with claims processing and communication.

#9 – The General: Best for Low Rates

Pros

• Low Rates: The General is known for offering low rates, making it a suitable option for customers seeking affordable insurance coverage. Learn more through our The General insurance review.
• Flexible Payment Options: The General provides flexible payment options, allowing customers to choose payment plans that suit their budget and financial situation.
• Quick and Easy Process: The General offers a streamlined and straightforward application process, making it convenient for customers to obtain coverage quickly.

Cons

• Limited Coverage Options: The General may offer fewer coverage options compared to other providers, potentially limiting choices for customers with specific needs.
• Mixed Customer Reviews: The General has received mixed reviews for its customer service and claims handling, with some customers reporting dissatisfaction with their experiences.

#10 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Liberty Mutual offers accident forgiveness programs, allowing policyholders to avoid rate increases after their first at-fault accident.
• Discount Opportunities: Liberty Mutual provides various discount opportunities, such as multi-policy, safe driver, and good student discounts, helping customers save on their premiums.
• Additional Coverage Options: Written in our Liberty Mutual insurance review, Liberty Mutual offers additional coverage options such as rental car reimbursement and roadside assistance, enhancing the value of their insurance offerings.

Cons

• Higher Premiums: Liberty Mutual’s premiums start at $60 per month, which may be higher compared to some other providers, potentially impacting affordability for certain customers.
• Complex Claims Process: Some customers have reported difficulties with Liberty Mutual’s claims process, citing complexity and delays in resolution.

Factors That Influence the Cost of Dodge Journey Car Insurance

Understanding the Insurance Rating Factors for Dodge Journey

The Importance of Shopping Around for Dodge Journey Car Insurance Quotes

Navigating the Claims Process With Your Dodge Journey Insurance Provider