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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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 26, 2021

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Things to Remember

  • 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.

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 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.

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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.

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.

Free Auto Insurance Comparison

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

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