Dayton, OH Auto Insurance (2023)
The cheapest Dayton, OH auto insurance is offered by American Family and averages $139 a month, but rates vary. Additionally, auto insurance in Dayton must meet the Ohio minimum requirements of 25/50/25 in liability coverage. Compare Dayton, OH car insurance quotes online to find your best deal.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- American Family offers the cheapest average auto insurance rates to all drivers in Dayton, OH
- Dayton auto insurance is less expensive than the national average
- Commute times in Dayton are about average
Dayton, OH auto insurance is more expensive than the average Ohio auto insurance rates, but it’s cheaper than the national average.
The good news is that you can still get affordable Dayton, OH auto insurance if you know where to look. Shop around and compare rates from different companies to find the cheapest auto insurance for you.
Monthly Dayton, OH Auto Insurance Rates by ZIP Code
ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Ohio auto insurance rates in Dayton by ZIP Code below:
For more information, see auto insurance rates by ZIP code: what you need to know.
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Dayton, OH Auto Insurance Rates vs. Top U.S. Metro Auto Insurance Rates
What city you reside in will impact your car insurance. That’s why it’s essential to compare Dayton, OH against other top US metro areas’ auto insurance costs.
Auto insurance in Dayton is slightly above the state average, but Dayton drivers pay less than drivers in other cities, such as Chicago.
The Cheapest Auto Insurance Company in Dayton, OH
The cheapest Dayton, OH auto insurance company is USAA, but it only offers coverage to the military, veterans, and their families. The company that offers the cheapest rates to all drivers in Dayton is American Family.
The cheapest Dayton, OH car insurance providers can be found below. You also might be wondering, “How do those Dayton, OH rates compare against the average Ohio car insurance company rates?” We uncover that too.
The top Dayton, OH auto insurance companies listed from cheapest to most expensive are:
- USAA auto insurance – $1,472.30
- American Family auto insurance – $1,673.55
- Geico auto insurance – $2,101.27
- State Farm auto insurance – $2,832.71
- Allstate auto insurance – $3,287.81
- Travelers auto insurance – $3,395.66
- Farmers auto insurance – $3,648.11
- Progressive auto insurance – $3,804.32
- Nationwide auto insurance – $4,226.20
- Liberty Mutual auto insurance – $4,725.34
There are many factors that affect auto insurance rates, including your age, gender, and driving record. Where you live can also affect your rates since larger cities have more traffic and theft. For example, Akron, OH is a slightly bigger city, and auto insurance rates there are a little higher than in Dayton.
The Cheapest Dayton, OH Auto Insurance by Age
Dayton, OH car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.
Geico provides the most affordable Dayton, Ohio auto insurance that is available to all drivers in every age group.
The Cheapest Dayton, OH Auto Insurance by Coverage
Your coverage level will play a major role in your Dayton, OH car insurance costs. Find the cheapest Dayton, Ohio car insurance costs by coverage level below:
While paying a higher rate for full coverage might make you think twice, remember that low coverage doesn’t pay for your vehicle damage. Adding collision and comprehensive means lower out-of-pocket costs later.
The Cheapest Dayton, OH Auto Insurance by Credit Score
Your credit score will play a major role in your Dayton, OH car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. For more details, see auto insurance and your credit score.
Find the cheapest Dayton, Ohio car insurance costs by credit score below.
Insurance companies believe that drivers with a higher credit score are less likely to file a claim and have the means to pay for damages themselves. So, insurers offer reduced rates to drivers with good credit.
The Cheapest Dayton, OH Auto Insurance by Driving Record
Your driving record will affect your Dayton, OH car insurance costs. For example, a Dayton, Ohio DUI may increase your car insurance costs by 40% to 50%. Find the cheapest Dayton, Ohio car insurance costs by driving record.
While an accident or ticket raises your rates, a DUI increases rates the most significantly for at least three years.
Significant Factors for Dayton, Ohio Insurance Rates
Controlling these risk factors will ensure you have the cheapest Dayton, Ohio car insurance. Factors affecting car insurance rates in Dayton, OH may include your commute, coverage level, tickets, DUIs, and credit.
Teen drivers pay the highest auto insurance rates in Dayton since they lack experience behind the wheel. In addition, male drivers tend to pay the most because they are statistically most likely to engage in risky driving.
Required Auto Insurance Coverage in Dayton, OH
Like most states, Ohio requires drivers to carry at least a minimum amount of auto insurance. Dayton drivers must carry:
- $25,000 per person and $50,000 per incident for bodily injury liability (BIL) insurance
- $25,000 per incident for property damage
You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.
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Other Factors that Affect Auto Insurance Rates in Dayton, OH
Traffic can also affect your auto insurance rates. More cars equal a greater chance of being in an accident. If you find yourself in a car accident, it’s good to know there are options for cheap auto insurance after an accident.
INRIX ranks Dayton, OH as the 156th most congested city in the U.S.
City-Data shows that most drivers in Dayton commute around 25 minutes. While most drivers commute alone, a significant number carpool or take public transit.
Theft can also raise your auto insurance rates. According to the FBI, there were 616 motor vehicle thefts in one year in Dayton.
Dayton, OH Auto Insurance: The Bottom Line
Dayton car insurance can be expensive. So, before you buy Dayton, OH auto insurance, shop around for the best deal. Compare quotes to see which company can offer you the cheapest coverage.
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— AutoInsurance.org (@AutoInsurance) April 11, 2023
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Frequently Asked Questions
What is Dayton, OH auto insurance?
Dayton, OH auto insurance refers to the insurance coverage specifically designed for vehicles owned and operated in Dayton, Ohio. It provides coverage for potential damages, liability, and other risks associated with owning and driving a vehicle in the Dayton area.
Is auto insurance mandatory in Dayton, OH?
Yes, auto insurance is mandatory in Dayton, OH, as it is in most jurisdictions. Ohio state law requires all drivers to carry minimum liability insurance coverage to protect themselves and others in the event of an accident.
What are the minimum auto insurance requirements in Dayton, OH?
In Dayton, OH, drivers must carry at least the following minimum liability insurance coverage:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
What other types of coverage are available for Dayton, OH auto insurance?
In addition to the required liability coverage, other common coverage options available for Dayton, OH auto insurance include:
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance or is uninsured. It can cover your medical expenses and property damage.
- Collision coverage: This pays for repairs or replacement if your vehicle is damaged in a collision with another vehicle or object.
- Comprehensive coverage: This covers non-collision-related damages to your vehicle, such as theft, vandalism, or weather-related damage.
- Medical payments coverage: This helps cover medical expenses for you and your passengers in case of injuries sustained in an accident.
How are auto insurance rates determined in Dayton, OH?
Auto insurance rates in Dayton, OH are determined by various factors, including:
- Driving record: Your driving history, including accidents and traffic violations, can impact your insurance rates. A clean driving record generally leads to lower premiums.
- Vehicle make and model: The type of vehicle you drive, its age, and its safety features can influence insurance rates.
- Location: Factors such as the crime rate, population density, and frequency of accidents in Dayton can impact rates.
- Coverage options: The coverage limits, deductibles, and additional coverage options you choose affect your premiums.
- Insurance company: Different insurance companies have their own rating algorithms and underwriting criteria, leading to variations in rates.
Are there any discounts available for Dayton, OH auto insurance?
Yes, there are various discounts that may be available for Dayton, OH auto insurance. Common discounts include:
- Multi-policy discount: If you have multiple insurance policies with the same provider (e.g., auto and home insurance), you may qualify for a discount.
- Safe driver discount: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a safe driver discount.
- Good student discount: If you or a covered driver on your policy is a student with good grades, you may be eligible for a discount.
- Vehicle safety features: Installing safety features such as anti-theft devices, airbags, or anti-lock brakes can often lead to discounts.
Where can I purchase auto insurance in Dayton, OH?
Auto insurance in Dayton, OH can be purchased from different sources, including:
- Insurance agents: Contacting local insurance agents who represent multiple insurance companies can help you compare quotes and coverage options tailored to your needs.
- Direct insurers: Many insurance companies offer the option to purchase auto insurance directly online or over the phone without going through an agent.
- Online insurance comparison websites: These platforms allow you to compare quotes from multiple insurance companies by providing your information once.
- Insurance company websites: Visiting the websites of individual insurance companies can provide you with information about their coverage options and the ability to get a quote.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
