Compare Dayton, IN Car Insurance Rates (2021)

Car insurance in Dayton, IN averages $247 a month. Dayton, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Dayton car insurance rates, compare quotes from the top car insurance companies in Dayton, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Dayton for teen drivers is USAA
  • Average car insurance rates in Dayton, IN are $2,968/year
  • The cheapest car insurance company in Dayton is USAA

If you need to buy Dayton, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Dayton, IN is right here.

You’ll find Dayton car insurance rates, the cheapest Dayton, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Dayton, Indiana car insurance rates to Carmel car insurance rates, Indianapolis car insurance rates, and Gary car insurance rates.

Ready to find affordable Dayton, IN car insurance today? Enter your ZIP code for fast, free Dayton car insurance quotes.

Cheapest Dayton, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Dayton, IN car insurance rates? Every Dayton, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dayton, Indiana

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 $2,130 $2,171 $1,887 $2,062 $6,760 $8,558 $2,132 $2,316
American Family $2,127 $2,127 $1,916 $1,916 $5,959 $8,590 $2,127 $2,597
Farmers $1,394 $1,378 $1,192 $1,341 $7,533 $8,051 $1,843 $1,988
GEICO $1,272 $1,259 $1,188 $1,223 $3,676 $3,421 $1,450 $1,283
Liberty Mutual $3,285 $3,285 $3,021 $3,021 $7,165 $10,807 $3,285 $4,496
Nationwide $1,512 $1,545 $1,329 $1,416 $4,405 $5,703 $1,774 $1,937
Progressive $1,554 $1,466 $1,413 $1,421 $9,274 $10,416 $1,947 $1,981
State Farm $1,371 $1,371 $1,228 $1,228 $4,254 $5,440 $1,521 $1,695
Travelers $1,074 $1,091 $1,011 $1,009 $6,619 $10,408 $1,139 $1,311
USAA $1,057 $1,039 $987 $991 $2,976 $3,317 $1,427 $1,523

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Minimum Car Insurance in Dayton, IN

Every driver must carry the minimum car insurance in Dayton, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Dayton, Indiana

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

Cheapest Dayton, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Dayton, IN. Compare credit history car insurance rates in Dayton from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Dayton, Indiana

Insurance Company Poor Fair Good
Allstate $4,318 $3,240 $2,948
American Family $4,684 $3,035 $2,540
Farmers $3,602 $2,942 $2,726
GEICO $2,218 $1,846 $1,475
Liberty Mutual $6,385 $4,157 $3,845
Nationwide $2,791 $2,359 $2,208
Progressive $4,053 $3,600 $3,399
State Farm $3,298 $1,967 $1,525
Travelers $3,292 $2,792 $2,789
USAA $2,240 $1,482 $1,271

Cheapest Dayton, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Dayton, IN to rates for a clean record with top companies.

Annual Dayton, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,784 $4,110 $3,793 $3,319
American Family $2,355 $3,763 $4,755 $2,807
Farmers $2,762 $3,227 $3,321 $3,050
GEICO $1,217 $1,915 $2,570 $1,684
Liberty Mutual $3,724 $4,404 $6,945 $4,110
Nationwide $2,115 $2,715 $2,605 $2,377
Progressive $2,760 $4,853 $3,291 $3,832
State Farm $2,208 $2,429 $2,208 $2,208
Travelers $2,514 $3,106 $3,517 $2,695
USAA $1,255 $1,790 $2,055 $1,558

Cheapest Dayton, IN Car Insurance for Teen Drivers

Teen car insurance in Dayton, IN can be expensive. Take a look at rates from the top car insurance companies in Dayton for teenagers.

Annual Car Insurance Rates for Teen Drivers in Dayton, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,760 $8,558
American Family $5,959 $8,590
Farmers $7,533 $8,051
GEICO $3,676 $3,421
Liberty Mutual $7,165 $10,807
Nationwide $4,405 $5,703
Progressive $9,274 $10,416
State Farm $4,254 $5,440
Travelers $6,619 $10,408
USAA $2,976 $3,317

Cheapest Dayton, IN Car Insurance for Seniors

Take a look at Dayton, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Dayton, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,887 $2,062
American Family $1,916 $1,916
Farmers $1,192 $1,341
GEICO $1,188 $1,223
Liberty Mutual $3,021 $3,021
Nationwide $1,329 $1,416
Progressive $1,413 $1,421
State Farm $1,228 $1,228
Travelers $1,011 $1,009
USAA $987 $991

Cheapest Dayton, IN Car Insurance Rates After a DUI

A DUI in Dayton, IN increases car insurance rates. Compare Dayton, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Dayton, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,793
American Family $4,755
Farmers $3,321
GEICO $2,570
Liberty Mutual $6,945
Nationwide $2,605
Progressive $3,291
State Farm $2,208
Travelers $3,517
USAA $2,055

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Cheapest Dayton, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Dayton, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Dayton, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,502 $3,502
American Family $3,378 $3,462
Farmers $3,090 $3,090
GEICO $1,815 $1,878
Liberty Mutual $4,669 $4,923
Nationwide $2,453 $2,453
Progressive $3,684 $3,684
State Farm $2,200 $2,327
Travelers $2,958 $2,958
USAA $1,643 $1,687

The Best Cheap Car Insurance Companies in Dayton, IN

Take a look at a side-by-side comparison of the top car insurance companies in Dayton, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Dayton, Indiana

Insurance Company Average Annual Rates
Allstate $3,502
American Family $3,420
Farmers $3,090
GEICO $1,847
Liberty Mutual $4,796
Nationwide $2,453
Progressive $3,684
State Farm $2,263
Travelers $2,958
USAA $1,665

Category Winners: Cheapest Car Insurance in Dayton, Indiana

Find the cheapest car insurance companies in Dayton, IN for each category right here.

Best Annual Car Insurance Rates by Company in Dayton, Indiana

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

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Cheapest Dayton, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Dayton car insurance rates. Find the cheapest Dayton, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Dayton, Indiana

Insurance Company Low Medium High
Allstate $3,322 $3,488 $3,696
American Family $3,370 $3,533 $3,358
Farmers $2,984 $3,084 $3,201
GEICO $1,739 $1,840 $1,960
Liberty Mutual $4,626 $4,782 $4,979
Nationwide $2,493 $2,433 $2,432
Progressive $3,478 $3,626 $3,948
State Farm $2,152 $2,263 $2,376
Travelers $2,909 $2,985 $2,979
USAA $1,604 $1,661 $1,729

What affects car insurance rates in Dayton, Indiana?

What factors can have an impact on Dayton, IN car insurance? There are several reasons why Dayton car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Dayton, Indiana.

Commute Time in Dayton

The more time you spend in your car the higher the risk of an accident. The average commute length in Dayton, IN is 17.7 minutes according to City-Data.

Traffic in Dayton

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Dayton, IN traffic data from INRIX ranks Dayton as the 367th-most congested in the world.

Compare Car Insurance Quotes in Dayton, IN

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Average Monthly Car Insurance Rates by State