Best Cheap Auto Insurance in Dayton, OH (2021)
The cheapest Dayton, OH auto insurance is offered by American Family, but rates will be different for every driver. Auto insurance in Dayton must meet the Ohio minimum requirements of 25/50/25 in liability coverage, and drivers are encouraged to raise these limits and add coverages. Compare Dayton, OH auto insurance quotes online to find your best deal.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Aug 4, 2021
It’s all about you. We want to help you make the right coverage choices.
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- 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.
Table of Contents
Monthly Dayton, OH Car 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 Dayton, OH auto insurance rates by ZIP Code below:
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Dayton, OH Car Insurance Rates vs. Top US Metro Car 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.
Enter your ZIP code now to compare Dayton, OH auto insurance quotes for free from companies near you.
What is 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 – $1,472.30
- American Family – $1,673.55
- GEICO – $2,101.27
- State Farm – $2,832.71
- Allstate – $3,287.81
- Travelers – $3,395.66
- Farmers – $3,648.11
- Progressive – $3,804.32
- Nationwide – $4,226.20
- Liberty Mutual – $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 Dayton.
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.
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:
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. Find the cheapest Dayton, Ohio car insurance costs by credit score below.
Your driving record will affect your Dayton, OH car insurance costs. For example, a Dayton, Ohio DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Dayton, Ohio car insurance costs by driving record.
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.
Age is a significant factor for Dayton, OH car insurance rates. Young drivers are often considered high-risk. This Dayton, Ohio does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Dayton, OH.
What auto insurance coverage is required 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
- $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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What affects 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.
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.
Enter your ZIP code now to compare Dayton, OH auto insurance rates from multiple companies for free.
