Compare Dayton, KY Car Insurance Rates (2021)

Car insurance in Dayton, KY averages $315 a month. Dayton, Kentucky 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, KY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 is USAA
  • The cheapest car insurance company in Dayton for teen drivers is USAA
  • Average car insurance rates in Dayton, KY after a DUI are $4,489/year

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

You’ll find Dayton car insurance rates, the cheapest Dayton, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Dayton, Kentucky car insurance rates to Florence car insurance rates, Bowling Green car insurance rates, and Frankfort car insurance rates.

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

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

How do age, gender, and marital status affect Dayton, KY car insurance rates? Every Dayton, Kentucky 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, Kentucky

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 $3,135 $3,092 $2,843 $3,033 $11,978 $13,480 $3,448 $3,632
GEICO $2,846 $2,632 $2,980 $2,699 $5,970 $7,071 $2,322 $1,998
Liberty Mutual $2,437 $2,634 $2,043 $2,285 $10,785 $11,968 $2,562 $2,686
Nationwide $2,365 $2,367 $2,153 $2,240 $5,248 $6,510 $2,673 $2,806
Progressive $1,962 $1,860 $1,768 $1,771 $9,750 $11,014 $2,430 $2,482
State Farm $1,490 $1,490 $1,338 $1,338 $4,476 $5,689 $1,665 $1,847
Travelers $1,805 $1,834 $1,781 $1,782 $8,574 $13,694 $1,891 $2,159
USAA $1,602 $1,594 $1,457 $1,467 $4,371 $4,588 $2,009 $2,184

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Minimum Car Insurance in Dayton, KY

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

Minimum Required Car Insurance Coverage in Dayton, Kentucky

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, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Dayton, KY. 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, Kentucky

Insurance Company Poor Fair Good
Allstate $7,373 $5,112 $4,255
GEICO $5,862 $2,926 $1,906
Liberty Mutual $6,652 $4,119 $3,253
Nationwide $3,971 $3,159 $2,757
Progressive $4,590 $4,030 $3,769
State Farm $3,494 $2,110 $1,646
Travelers $4,662 $3,961 $3,946
USAA $3,555 $2,019 $1,653

Cheapest Dayton, KY 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, KY to rates for a clean record with top companies.

Annual Dayton, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,602 $6,040 $6,467 $5,212
GEICO $2,128 $3,780 $5,745 $2,607
Liberty Mutual $3,900 $5,998 $4,663 $4,138
Nationwide $2,661 $3,384 $4,227 $2,910
Progressive $3,417 $5,061 $3,896 $4,144
State Farm $2,207 $2,627 $2,417 $2,417
Travelers $3,658 $3,760 $5,425 $3,917
USAA $1,816 $2,561 $3,070 $2,190

Cheapest Dayton, KY Car Insurance for Teen Drivers

Teen car insurance in Dayton, KY 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, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,978 $13,480
GEICO $5,970 $7,071
Liberty Mutual $10,785 $11,968
Nationwide $5,248 $6,510
Progressive $9,750 $11,014
State Farm $4,476 $5,689
Travelers $8,574 $13,694
USAA $4,371 $4,588

Cheapest Dayton, KY Car Insurance for Seniors

Take a look at Dayton, KY 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, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,843 $3,033
GEICO $2,980 $2,699
Liberty Mutual $2,043 $2,285
Nationwide $2,153 $2,240
Progressive $1,768 $1,771
State Farm $1,338 $1,338
Travelers $1,781 $1,782
USAA $1,457 $1,467

Cheapest Dayton, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Dayton, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,467
GEICO $5,745
Liberty Mutual $4,663
Nationwide $4,227
Progressive $3,896
State Farm $2,417
Travelers $5,425
USAA $3,070

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Cheapest Dayton, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Dayton, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,580 $5,580
GEICO $3,531 $3,598
Liberty Mutual $4,675 $4,675
Nationwide $3,295 $3,295
Progressive $4,129 $4,129
State Farm $2,355 $2,479
Travelers $4,190 $4,190
USAA $2,321 $2,497

The Best Cheap Car Insurance Companies in Dayton, KY

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

Average Annual Car Insurance Rates by Company in Dayton, Kentucky

Insurance Company Average Annual Rates
Allstate $5,580
GEICO $3,565
Liberty Mutual $4,675
Nationwide $3,295
Progressive $4,129
State Farm $2,417
Travelers $4,190
USAA $2,409

Category Winners: Cheapest Car Insurance in Dayton, Kentucky

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

Best Annual Car Insurance Rates by Company in Dayton, Kentucky

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

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Cheapest Dayton, KY 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, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Dayton, Kentucky

Insurance Company Low Medium High
Allstate $5,187 $5,558 $5,995
GEICO $3,341 $3,553 $3,801
Liberty Mutual $4,478 $4,651 $4,895
Nationwide $3,289 $3,267 $3,330
Progressive $3,821 $4,094 $4,474
State Farm $2,248 $2,416 $2,586
Travelers $3,974 $4,213 $4,383
USAA $2,288 $2,403 $2,535

What affects car insurance rates in Dayton, Kentucky?

What factors can have an impact on Dayton, KY 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, Kentucky.

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, KY is 22.2 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, KY traffic data from INRIX ranks Dayton as the 367th-most congested in the world.

Compare Car Insurance Quotes in Dayton, KY

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

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