Best Cheap Auto Insurance in Dayton, TX (2021)

The average Dayton, TX auto insurance rates are $366 per month. The minimum auto insurance in Dayton is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Dayton, Texas, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

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.

Things to Remember

  • Average auto insurance rates in Dayton, TX for senior drivers are $2,645 per year
  • The most expensive auto insurance company in Dayton for teen drivers is Progressive
  • The minimum auto insurance required in Dayton, Texas is 30/60/25

Dayton, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Dayton to other Texas cities, including Fort Worth auto insurance rates, Houston auto insurance rates, and Corpus Christi auto insurance rates to see how Dayton, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Dayton, Texas

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

Minimum Required Auto Insurance Coverage in Dayton, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Dayton, Texas 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, Texas

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 $3,622 $3,643 $3,572 $3,572 $9,625 $11,583 $4,462 $4,632
American Family $3,415 $3,835 $3,230 $3,736 $9,560 $12,454 $5,018 $5,721
GEICO $2,683 $2,920 $2,613 $3,013 $6,014 $6,211 $2,911 $2,881
Nationwide $2,549 $2,587 $2,250 $2,379 $7,403 $9,492 $3,013 $3,258
Progressive $2,872 $2,734 $2,553 $2,600 $12,231 $13,682 $3,424 $3,486
State Farm $2,316 $2,316 $2,058 $2,058 $5,535 $7,052 $2,517 $2,596
USAA $1,784 $1,797 $1,705 $1,696 $4,977 $5,426 $2,378 $2,555

Cheap Dayton, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Dayton, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,625 $11,583
American Family $9,560 $12,454
GEICO $6,014 $6,211
Nationwide $7,403 $9,492
Progressive $12,231 $13,682
State Farm $5,535 $7,052
USAA $4,977 $5,426

Cheap Dayton, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Dayton, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,572 $3,572
American Family $3,230 $3,736
GEICO $2,613 $3,013
Nationwide $2,250 $2,379
Progressive $2,553 $2,600
State Farm $2,058 $2,058
USAA $1,705 $1,696

Cheap Dayton, Texas 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, Texas compared to the annual auto insurance rates with a clean record in Dayton, Texas.

Annual Dayton, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,312 $6,718 $7,013 $4,312
American Family $5,331 $6,842 $5,981 $5,331
GEICO $3,098 $4,125 $3,404 $3,995
Nationwide $3,569 $3,569 $5,295 $4,033
Progressive $4,740 $6,155 $5,549 $5,347
State Farm $2,940 $3,369 $3,976 $2,940
USAA $2,080 $3,074 $3,617 $2,389

Cheap Dayton, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Dayton, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,013
American Family $5,981
GEICO $3,404
Nationwide $5,295
Progressive $5,549
State Farm $3,976
USAA $3,617

Cheap Dayton, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Dayton, Texas

Insurance Company Poor Fair Good
Allstate $7,094 $5,208 $4,465
American Family $7,976 $5,153 $4,485
GEICO $5,656 $3,191 $2,120
Nationwide $4,935 $3,970 $3,445
Progressive $6,133 $5,300 $4,910
State Farm $4,688 $2,912 $2,318
USAA $4,102 $2,366 $1,902

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Dayton, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Dayton, Texas

ZIP Code Average Annual Rates
77535 $6,591

Cheap Dayton, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Dayton, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,449 $5,729
American Family $5,871 $5,871
GEICO $3,587 $3,725
Nationwide $4,116 $4,116
Progressive $5,448 $5,448
State Farm $3,306 $3,306
USAA $2,754 $2,825

Cheap Dayton, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Dayton, Texas

Insurance Company Low Medium High
Allstate $5,450 $5,537 $5,780
American Family $5,400 $5,612 $6,602
GEICO $3,430 $3,598 $3,939
Nationwide $4,424 $3,941 $3,984
Progressive $5,190 $5,425 $5,728
State Farm $3,139 $3,296 $3,483
USAA $2,691 $2,778 $2,901

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Dayton, Texas

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

Best Annual Auto Insurance Rates by Company in Dayton, Texas

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

The Cheapest Dayton, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Dayton, Texas

Insurance Company Average Annual Rates
Allstate $5,589
American Family $5,871
GEICO $3,656
Nationwide $4,116
Progressive $5,448
State Farm $3,306
USAA $2,790

What affects auto insurance rates in Dayton, Texas?

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

Dayton Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Dayton, Texas auto theft statistics, there have been 30 auto thefts in the city.

Dayton Traffic

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Dayton, Texas Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption