How Much is Insurance for a Dodge Journey in Ohio?

Our editors keep telling us that when writing about auto insurance, the words “affordable” or “cheap” should not be used anywhere to describe car insurance rates. Unfortunately, cheap auto insurance for a Dodge Journey does not exist. Don’t let that discourage you, because we are going to tell you how you can find insurance that you are able to afford.

The odds of finding the cheapest car insurance for a Dodge Journey in Ohio depends upon many rating factors such as the safety features built into your vehicle, the likelihood of vehicle theft, and driving citations. Drivers pay an average rate of $670 every 12 months to buy Dodge Journey insurance, but that price is an estimate based on cost data for a 40-year-old married male who purchased full comprehensive and collision coverage and $250 physical damage deductibles.

There is a really good chance that you are not a 40-year-old male, single instead of married, or maybe your Journey is an older model. There is no perfect policy for every driver, so the most reliable way to find affordable rates for your Dodge is to get into the habit of shopping around regularly. Price quotes are quick and you will receive rate quotes from some of the best companies in Ohio.

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The specific model of Journey has an effect on the cost of insurance, so the rate you pay to insure a Journey SE 2WD will be $116 less than the cost to insure the more costly Journey SXT Crew AWD version, as shown in the chart below.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can lower or raise prices significantly.

Comparing quotes for low-cost car insurance is not easy, and finding out which companies have the cheapest insurance rates for a Dodge Journey involves even more shopping around.

Each company has their own process to determine rates, so we’ll go over the insurance companies with the overall cheapest rates in Ohio. It’s important to know that Ohio insurance rates are impacted by many things that will increase or decrease your annual premium. Turning one year older, filing a claim, or getting into an accident can trigger price changes resulting in some companies being more affordable than before.

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Utica National quotes some of the best car insurance rates in Ohio at around $647 per year. Allied, Erie, Travelers, and Frankenmuth also qualify as some of the lowest-priced Ohio auto insurance companies.

As the example above demonstrates, if you have coverage with Travelers and switched to Utica National, you might realize annual savings of roughly $58. Customers with Frankenmuth could save as much as $61 a year, and USAA policyholders might lower prices by $86 a year.

Understand that those rates are averaged across all types of insureds and vehicles and are not factoring in a specific rate value for a Dodge Journey. So the company that can offer you the best rate may not even be included in the company chart above. That point stresses why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

The example below shows how choosing a deductible can influence insurance costs when searching for cheap insurance for a Dodge Journey. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

A 50-year-old driver could reduce rates by $190 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $290 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could drop their prices up to $478 or more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it will now be necessary to have enough funds in savings to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Safe drivers pay cheaper rates

The common sense way to receive good insurance rates for a Journey is to drive safe and avoid accidents and traffic violations. The illustration below shows how speeding tickets and accidents increase auto insurance rates for different age categories. The rate quotes are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of auto insurance in Ohio per year with no accidents or violations is $1,449. Get two speeding tickets and the average cost rises to $1,918, an increase of $469 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for a Dodge Journey jumps again to an average of $3,616. That’s an increase of $2,167, or $181 per month, just for not driving responsibly!

Geico, Progressive, State Farm, or Allstate: Who is best?

When comparing rates for insurance for a Journey in Ohio, probably the best companies to start with are Geico, Progressive, State Farm, and Allstate. Between them, they make up over 45% of the entire U.S. market share. The following table illustrates some of the different options .