Best Cheap Auto Insurance in Dayton, KY (2021)

The average Dayton, KY auto insurance rates are $315 per month. The minimum auto insurance in Dayton is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Dayton, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Dayton, KY for senior drivers are $2,061 per year
  • The most expensive auto insurance company in Dayton for teen drivers is Allstate
  • The average commute length in Dayton is 22.2 minutes

Dayton, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Dayton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Dayton, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Dayton to other Kentucky cities, including Bowling Green auto insurance rates, Florence auto insurance rates, and Independence auto insurance rates to see how Dayton, Kentucky auto insurance rates stack up.

Before you buy Dayton, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Dayton, Kentucky auto insurance quotes.

Minimum Auto Insurance in Dayton, Kentucky

Dayton, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Dayton, Kentucky.

Minimum Required Auto Insurance Coverage in Dayton, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Dayton, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Dayton, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Dayton, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,135 $3,092 $2,843 $3,033 $11,978 $13,480 $3,448 $3,632
GEICO $2,846 $2,632 $2,980 $2,699 $5,970 $7,071 $2,322 $1,998
Liberty Mutual $2,437 $2,634 $2,043 $2,285 $10,785 $11,968 $2,562 $2,686
Nationwide $2,365 $2,367 $2,153 $2,240 $5,248 $6,510 $2,673 $2,806
Progressive $1,962 $1,860 $1,768 $1,771 $9,750 $11,014 $2,430 $2,482
State Farm $1,490 $1,490 $1,338 $1,338 $4,476 $5,689 $1,665 $1,847
Travelers $1,805 $1,834 $1,781 $1,782 $8,574 $13,694 $1,891 $2,159
USAA $1,602 $1,594 $1,457 $1,467 $4,371 $4,588 $2,009 $2,184

Cheap Dayton, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Dayton, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Dayton, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Dayton, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,978 $13,480
GEICO $5,970 $7,071
Liberty Mutual $10,785 $11,968
Nationwide $5,248 $6,510
Progressive $9,750 $11,014
State Farm $4,476 $5,689
Travelers $8,574 $13,694
USAA $4,371 $4,588

Cheap Dayton, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Dayton, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Dayton, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,843 $3,033
GEICO $2,980 $2,699
Liberty Mutual $2,043 $2,285
Nationwide $2,153 $2,240
Progressive $1,768 $1,771
State Farm $1,338 $1,338
Travelers $1,781 $1,782
USAA $1,457 $1,467

Cheap Dayton, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Dayton, Kentucky compared to the annual auto insurance rates with a clean record in Dayton, Kentucky.

Annual Dayton, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,602 $6,040 $6,467 $5,212
GEICO $2,128 $3,780 $5,745 $2,607
Liberty Mutual $3,900 $5,998 $4,663 $4,138
Nationwide $2,661 $3,384 $4,227 $2,910
Progressive $3,417 $5,061 $3,896 $4,144
State Farm $2,207 $2,627 $2,417 $2,417
Travelers $3,658 $3,760 $5,425 $3,917
USAA $1,816 $2,561 $3,070 $2,190

Cheap Dayton, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Dayton, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Dayton, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Dayton, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,467
GEICO $5,745
Liberty Mutual $4,663
Nationwide $4,227
Progressive $3,896
State Farm $2,417
Travelers $5,425
USAA $3,070

Cheap Dayton, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Dayton, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Dayton, Kentucky

Insurance Company Poor Fair Good
Allstate $7,373 $5,112 $4,255
GEICO $5,862 $2,926 $1,906
Liberty Mutual $6,652 $4,119 $3,253
Nationwide $3,971 $3,159 $2,757
Progressive $4,590 $4,030 $3,769
State Farm $3,494 $2,110 $1,646
Travelers $4,662 $3,961 $3,946
USAA $3,555 $2,019 $1,653

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Cheap Dayton, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Dayton, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Dayton, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Dayton, Kentucky

ZIP Code Average Annual Rates
41074 $3,408

Cheap Dayton, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Dayton, Kentucky auto insurance. Find the cheapest annual Dayton, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Dayton, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,580 $5,580
GEICO $3,531 $3,598
Liberty Mutual $4,675 $4,675
Nationwide $3,295 $3,295
Progressive $4,129 $4,129
State Farm $2,355 $2,479
Travelers $4,190 $4,190
USAA $2,321 $2,497

Cheap Dayton, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Dayton, Kentucky? Check out the comparison of annual Dayton, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Dayton, Kentucky

Insurance Company Low Medium High
Allstate $5,187 $5,558 $5,995
GEICO $3,341 $3,553 $3,801
Liberty Mutual $4,478 $4,651 $4,895
Nationwide $3,289 $3,267 $3,330
Progressive $3,821 $4,094 $4,474
State Farm $2,248 $2,416 $2,586
Travelers $3,974 $4,213 $4,383
USAA $2,288 $2,403 $2,535

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Best By Category: Cheapest Auto Insurance in Dayton, Kentucky

Compare the cheapest auto insurance companies in Dayton, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Dayton, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Dayton, Kentucky Auto Insurance Companies

What auto insurance companies in Dayton, Kentucky are the cheapest? Compare the top Dayton, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Dayton, Kentucky

Insurance Company Average Annual Rates
Allstate $5,580
GEICO $3,565
Liberty Mutual $4,675
Nationwide $3,295
Progressive $4,129
State Farm $2,417
Travelers $4,190
USAA $2,409

What affects auto insurance rates in Dayton, Kentucky?

There are a lot of reasons why auto insurance rates in Dayton, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Dayton, Kentucky. Many local factors may affect your Dayton auto insurance rates.

Dayton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Dayton, Kentucky commute length is 22.2 minutes according to City-Data.

Dayton Traffic

How does Dayton, Kentucky rank for traffic? According to Inrix Dayton, Kentucky is the 367th most congested worldwide.

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Compare Dayton, Kentucky Auto Insurance Quotes

Before you buy Dayton, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Dayton, Kentucky auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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