Buying the cheapest insurance for a Dodge Journey in Ohio is fairly simple, but it hinges on an enormous amount of factors such as driver age, if you have prior claims, and any prior driving offenses. Drivers in Ohio will pay on average $883 annually for Journey insurance, but that figure is an approximation using a 30-year-old single male driver with full coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not 30 and maybe not even a male, you might be married instead of single, and maybe you have sub-par credit that needs to be factored in. Just a very minor change in rating variables could end up with a large change in the amount insurance costs for a Dodge Journey.
The different assumptions illustrate why the best way to find the most affordable coverage for your Dodge is to do a thorough rate comparison.
The specific model of Journey will have an impact the cost of insurance, so the rate you will pay to insure a Journey SE 2WD trim level will be $156 cheaper than the cost to insure the fancier Journey SXT Crew AWD version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $222 | $290 | $298 | $18 | $88 | $916 | $76 |
| Journey SXT 2WD | $222 | $352 | $298 | $18 | $88 | $978 | $82 |
| Journey R/T 2WD | $252 | $352 | $298 | $18 | $88 | $1,008 | $84 |
| Journey SXT Crew 2WD | $252 | $352 | $298 | $18 | $88 | $1,008 | $84 |
| Journey SXT AWD | $252 | $352 | $298 | $18 | $88 | $1,008 | $84 |
| Journey R/T AWD | $252 | $416 | $298 | $18 | $88 | $1,072 | $89 |
| Journey SXT Crew AWD | $252 | $416 | $298 | $18 | $88 | $1,072 | $89 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in your specific Cincinnati location which can lower or raise rates considerably.
What is the best car insurance company in Cincinnati?
Ending up with a high-quality insurer is hard considering how many different insurance companies sell coverage in Ohio. The company rank data listed below can help you decide which car insurance companies you want to consider comparing rates from. The ratings below include companies that insure vehicles nationwide, so companies that may only write in Ohio are not included in these rankings.
Top 10 Major Auto Insurance Companies in Cincinnati Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Top 10 Major Auto Insurance Companies in Cincinnati Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
Full coverage versus liability-only in Cincinnati
Saving money when shopping for car insurance is the goal of most people, and one of the best ways to find cheap insurance for a Dodge Journey is to not pay for full coverage. The illustration below shows the difference between insurance costs with full physical damage coverage and with liability coverage only. The prices are based on a clean driving record, no claims, $250 deductibles, single status, and no other discounts are factored in.
If all age groups are averaged, full coverage costs an additional $1,547 per year more than just insuring for liability. Many drivers will wonder if full coverage is worth the money. There is no exact formula of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your vehicle’s book value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $9,000 after paying your policy deductible. If it’s costing in excess of $900 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where only buying liability is not a good idea. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.
The diagram below shows how choosing a deductible can affect annual premium costs when trying to find cheap insurance for a Dodge Journey. The premium estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could pocket $260 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $392 by selecting a $1,000 deductible. Youthful drivers, such as the Age 20 example, could shave up to $752 every year just by choosing larger deductibles.
If you make the decision to raise deductibles, it will be required to have spare funds to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
How to find more affordable car insurance for a Dodge Journey
The list below shows some of the recommended money-saving ideas that can help drivers get cheaper coverage.
- Avoid accidents
- Don’t waste money on full coverage for older vehicles
- Better credit rating means better rates
- Higher comprehensive and collision coverage deductibles will save money
- Drive vehicles with five-star safety ratings
- Violations like speeding or DUI increase rates
- Compare rates and switch if you can find a better deal
That last tip is extremely valuable, as we pointed out in this article. Car insurance prices vary greatly, so don’t be afraid to buy a policy from a new company if a better rate can be found.
Being loyal to a particular company is commendable, but it’s not recommended if that inflexibility results in costing you a lot of money every month. It takes less than five minutes to compare prices and find cheaper auto insurance for a Dodge Journey in Cincinnati.