Compare Dayton, OH Car Insurance Rates (2021)

Car insurance in Dayton, OH averages $260 a month. Dayton, Ohio 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, OH.

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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 ZIP code in Dayton is 45435
  • The cheapest car insurance company in Dayton for teen drivers is USAA
  • Average car insurance rates in Dayton, OH after a DUI are $3,634/year

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

You’ll find Dayton car insurance rates, the cheapest Dayton, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Dayton, Ohio car insurance rates to Dayton car insurance rates, Cleveland car insurance rates, and Toledo car insurance rates.

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

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

How do age, gender, and marital status affect Dayton, OH car insurance rates? Every Dayton, Ohio 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, Ohio

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 $2,180 $2,165 $1,972 $2,107 $6,141 $7,030 $2,279 $2,427
American Family $1,015 $1,052 $940 $941 $3,289 $3,566 $1,259 $1,326
Farmers $1,909 $1,905 $1,680 $1,778 $8,610 $8,942 $2,137 $2,224
GEICO $1,499 $1,462 $1,409 $1,426 $4,108 $3,827 $1,668 $1,412
Liberty Mutual $2,210 $2,412 $1,700 $2,066 $11,496 $12,986 $2,356 $2,577
Nationwide $2,790 $2,803 $2,514 $2,530 $7,289 $9,403 $2,993 $3,489
Progressive $1,936 $1,813 $1,616 $1,670 $8,800 $9,898 $2,310 $2,391
State Farm $1,670 $1,670 $1,507 $1,507 $5,383 $6,743 $1,945 $2,236
Travelers $1,561 $1,584 $1,552 $1,543 $6,769 $10,664 $1,630 $1,862
USAA $883 $890 $845 $840 $2,779 $3,088 $1,181 $1,272

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Minimum Car Insurance in Dayton, OH

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

Minimum Required Car Insurance Coverage in Dayton, Ohio

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, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Dayton, OH. 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, Ohio

Insurance Company Poor Fair Good
Allstate $4,223 $3,077 $2,563
American Family $2,221 $1,515 $1,284
Farmers $4,128 $3,492 $3,324
GEICO $2,523 $2,101 $1,680
Liberty Mutual $6,777 $4,148 $3,251
Nationwide $5,113 $4,107 $3,458
Progressive $4,258 $3,696 $3,459
State Farm $4,033 $2,496 $1,969
Travelers $3,796 $3,305 $3,086
USAA $1,909 $1,354 $1,155

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

Annual Dayton, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,753 $3,337 $3,937 $3,124
American Family $1,603 $1,697 $1,697 $1,697
Farmers $3,007 $3,877 $3,781 $3,927
GEICO $1,419 $2,060 $2,998 $1,928
Liberty Mutual $3,973 $5,090 $5,206 $4,631
Nationwide $3,378 $4,309 $5,478 $3,740
Progressive $3,275 $4,473 $3,493 $3,976
State Farm $2,570 $3,095 $2,833 $2,833
Travelers $2,497 $3,260 $4,920 $2,906
USAA $1,129 $1,517 $1,992 $1,251

Cheapest Dayton, OH Car Insurance for Teen Drivers

Teen car insurance in Dayton, OH 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, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,141 $7,030
American Family $3,289 $3,566
Farmers $8,610 $8,942
GEICO $4,108 $3,827
Liberty Mutual $11,496 $12,986
Nationwide $7,289 $9,403
Progressive $8,800 $9,898
State Farm $5,383 $6,743
Travelers $6,769 $10,664
USAA $2,779 $3,088

Cheapest Dayton, OH Car Insurance for Seniors

Take a look at Dayton, OH 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, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,972 $2,107
American Family $940 $941
Farmers $1,680 $1,778
GEICO $1,409 $1,426
Liberty Mutual $1,700 $2,066
Nationwide $2,514 $2,530
Progressive $1,616 $1,670
State Farm $1,507 $1,507
Travelers $1,552 $1,543
USAA $845 $840

Cheapest Dayton, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Dayton, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,937
American Family $1,697
Farmers $3,781
GEICO $2,998
Liberty Mutual $5,206
Nationwide $5,478
Progressive $3,493
State Farm $2,833
Travelers $4,920
USAA $1,992

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Cheapest Dayton, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Dayton, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,288 $3,288
American Family $1,653 $1,694
Farmers $3,648 $3,648
GEICO $2,066 $2,137
Liberty Mutual $4,725 $4,725
Nationwide $4,226 $4,226
Progressive $3,804 $3,804
State Farm $2,762 $2,903
Travelers $3,396 $3,396
USAA $1,417 $1,527

Cheapest Dayton, OH Car Insurance Rates by ZIP Code

Dayton car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Dayton, OH.

Annual Car Insurance Rates by ZIP Code in Dayton, Ohio

ZIP Code Average Annual Rates
45402 $3,136
45403 $3,113
45404 $3,028
45405 $3,081
45406 $3,151
45409 $2,993
45410 $3,074
45414 $2,941
45415 $2,952
45416 $3,082
45417 $3,156
45419 $2,922
45420 $2,936
45423 $3,020
45424 $2,894
45435 $2,668
45439 $2,889
45449 $2,803
45458 $2,799
45459 $2,772
45469 $2,978
45479 $2,923

The Best Cheap Car Insurance Companies in Dayton, OH

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

Average Annual Car Insurance Rates by Company in Dayton, Ohio

Insurance Company Average Annual Rates
Allstate $3,288
American Family $1,674
Farmers $3,648
GEICO $2,101
Liberty Mutual $4,725
Nationwide $4,226
Progressive $3,804
State Farm $2,833
Travelers $3,396
USAA $1,472

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Category Winners: Cheapest Car Insurance in Dayton, Ohio

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

Best Annual Car Insurance Rates by Company in Dayton, Ohio

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

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

Annual Car Insurance Rates by Coverage Level in Dayton, Ohio

Insurance Company Low Medium High
Allstate $3,177 $3,281 $3,406
American Family $1,636 $1,686 $1,699
Farmers $3,442 $3,586 $3,916
GEICO $2,037 $2,093 $2,174
Liberty Mutual $4,557 $4,747 $4,872
Nationwide $4,681 $4,095 $3,903
Progressive $3,646 $3,770 $3,998
State Farm $2,680 $2,841 $2,977
Travelers $3,316 $3,438 $3,433
USAA $1,408 $1,471 $1,539

What affects car insurance rates in Dayton, Ohio?

What factors can have an impact on Dayton, OH 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, Ohio.

Car Theft in Dayton

High levels of vehicle theft can make car insurance more expensive. Dayton, OH car theft statistics from the FBI indicate 795 vehicle thefts a year.

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, OH is 20.5 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, OH traffic data from INRIX ranks Dayton as the 367th-most congested in the world.

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Compare Car Insurance Quotes in Dayton, OH

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

Free Car Insurance Comparison

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

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