Who Has Cheap Omaha Auto Insurance for a Dodge Journey?

Finding cheaper car insurance for a Dodge Journey depends on a lot of things such as age of the vehicle, whether you are claim-free, and any prior driving offenses you have. Drivers in Nebraska will pay around $871 a year for Journey insurance, but that price is using a 50-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.

This brings up the issue that more than likely you aren’t exactly 50 years old or even a female, possibly single instead of married, and maybe your Journey just needs liability-only coverage. Having different needs demonstrates why the best way to find the cheapest insurance price for your Dodge is to do the rate comparisons yourself.

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The trim level of your Journey impacts the cost of coverage, so the rate you will pay to insure a Journey SE 2WD model will cost $164 less than the price to insure the more well-appointed Journey SXT Crew AWD version, as shown by the rates below.

Dodge Journey Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $198 $318 $282 $16 $84 $898 $75
Journey SXT 2WD $198 $386 $282 $16 $84 $966 $81
Journey R/T 2WD $224 $386 $282 $16 $84 $992 $83
Journey SXT Crew 2WD $224 $386 $282 $16 $84 $992 $83
Journey SXT AWD $224 $386 $282 $16 $84 $992 $83
Journey R/T AWD $224 $456 $282 $16 $84 $1,062 $89
Journey SXT Crew AWD $224 $456 $282 $16 $84 $1,062 $89
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location information which can increase or decrease insurance rates substantially.

Finding reliable, affordable insurance is tough enough, and figuring out which insurers offer the cheapest insurance rates for a Dodge Journey will take even more shopping around. Every car insurance company has a proprietary method to set policy rates, so we need to take a look at the insurance companies that tend to be cheaper in Nebraska.

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Cheapest auto insurance in Nebraska ranked by cost per year
Rank Company Cost Per Year
1 Safeco $812
2 The Hartford $873
3 Auto-Owners $905
4 Allied $949
5 Farmers Mutual of Nebraska $1,019
6 Farm Bureau Mutual $1,020
7 Nationwide $1,037
8 State Farm $1,043
9 American National $1,098
10 General Casualty $1,125
11 USAA $1,162
12 California Casualty $1,270
13 American Family $1,296
14 EMC $1,300
15 Iowa Mutual $1,308
16 GEICO $1,322
17 MetLife $1,332
18 Progressive $1,460
19 Farmers $1,586
20 North Star $1,642
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Safeco offers some of the most affordable car insurance rates in Omaha at around $812 a year. This is $504 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the most economical Omaha, NE auto insurance companies.

As shown in the table above, if you currently buy coverage from Allied and switched to Safeco, you could see a yearly savings of about $137. Customers with Farmers Mutual of Nebraska may save as much as $207 a year, and Farm Bureau Mutual insureds might cut rates by $208 a year.

It’s important to note that these premium estimates are averaged across all drivers and vehicles in Nebraska and do not factor in a vehicle location for a Dodge Journey. So the insurer that fits your needs best may not even be in the top 24 companies in the list above. That points out the importance of why you need to get rate quotes using your own driver information and specific vehicle type.

Rate increases following a ticket or accident

The ideal way to maintain the best insurance rates in Omaha for a Journey is to drive attentively and not have accidents or get tickets. The illustration below illustrates how violations and at-fault accidents impact insurance prices for each age group. The rates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

In the prior example, the average cost of an auto insurance policy in Nebraska per year with no accidents or violations is $1,783. Get one speeding ticket and the average cost hikes up to $2,043, an increase of $260 each year. Now include one accident along with the one speeding ticket and the yearly cost of insurance for a Dodge Journey goes up to an average of $2,779. That’s an increase of $996, or $83 per month, just for not driving responsibly!

Your cheap Journey insurance may actually be overpriced

Omaha, NE insurance rates are based on many factors which can substantially change your annual premium. Improving your credit score, buying another vehicle, or having a fender bender can produce rate changes resulting in some rates now being more affordable than the competition. And not only may your rating factors change, but insurers change their prices at least once a year to reflect underwriting profits or losses. Heavy losses can cause a rate increase, while less frequent claims can produce lower-priced Journey insurance rates.

The graph below shows the cheapest car insurance in Omaha, NE for a 45-year-old female driver with no prior claims, no tickets, and a good credit history. Based on her personal profile, Safeco might quote the best car insurance rates in Omaha at $905 per year. This is $411 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Nationwide are also included in the cheapest Omaha, NE auto insurance companies.

In the next rate comparison, we’ll give the driver from above a claim surcharge, less-than-perfect credit, and a blemish on her driving record. Due to the fact that each insurance company has their own unique process for setting rates, getting updated rate quotes will most likely result in a significantly different list of companies as shown below.

Farm Bureau Mutual now has the cheapest insurance rate in Omaha, NE with American National, State Farm, General Casualty, and USAA also having competitive pricing. This shows why consumers need to compare rates to find affordable insurance quotes for a Dodge Journey.

Insurance rates can be altered by many different factors and can decrease or increase without notice, so the best price the last time you shopped around may now be wasting a lot of money.