Compare Dayton, TX Car Insurance Rates (2021)

Car insurance in Dayton, TX averages $366 a month. Dayton, Texas car insurance requirements are 30/60/25, 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, TX.

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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

  • Average car insurance rates in Dayton, TX are $4,397/year
  • The cheapest car insurance company in Dayton for teen drivers is USAA
  • The cheapest car insurance company in Dayton is USAA

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

You’ll find Dayton car insurance rates, the cheapest Dayton, TX car insurance companies, and information on Texas car insurance laws. You can also compare Dayton, Texas car insurance rates to Dallas car insurance rates, El Paso car insurance rates, and Houston car insurance rates.

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

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

How do age, gender, and marital status affect Dayton, TX car insurance rates? Every Dayton, Texas 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, 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

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Minimum Car Insurance in Dayton, TX

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

Minimum Required Car 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

Cheapest Dayton, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Dayton, TX. 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, 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

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

Annual Dayton, Texas Car 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

Cheapest Dayton, TX Car Insurance for Teen Drivers

Teen car insurance in Dayton, TX 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, 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

Cheapest Dayton, TX Car Insurance for Seniors

Take a look at Dayton, TX 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, 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

Cheapest Dayton, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Dayton, Texas

Insurance Company Annual Car 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

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Cheapest Dayton, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Dayton, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

The Best Cheap Car Insurance Companies in Dayton, TX

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Dayton, Texas

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

Best Annual Car 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

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

Annual Car 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

What affects car insurance rates in Dayton, Texas?

What factors can have an impact on Dayton, TX 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, Texas.

Car Theft in Dayton

High levels of vehicle theft can make car insurance more expensive. Dayton, TX car theft statistics from the FBI indicate 30 vehicle thefts a year.

Traffic in Dayton

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

Compare Car Insurance Quotes in Dayton, TX

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

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