Compare Dayton, OH Car Insurance Rates (2021)

On average, Dayton, Ohio car insurance costs $259 per month or $3,116 annually. The cheapest Dayton, OH car insurance company is USAA, followed by American Family. Your age, driving record, and coverage needs all impact your Dayton, OH car insurance rates. By law, all Dayton residents must carry the Ohio minimum insurance levels of 25/50/25 in liability coverage.

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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: Aug 5, 2021

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Here's what you need to know...

  • The cheapest Dayton, OH car insurance company is USAA, followed by American Family
  • Higher than average auto theft rates influence the regional Dayton car insurance costs
  • Dayton car insurance prices are average compared to the rest of Ohio

Dayton, Ohio car insurance rates cost $259 per month or $3,116 per year on average. Your age, driving record, and coverage needs all impact your Dayton, OH car insurance rates.

Below, see the average cost of car insurance from the top Dayton providers and learn how to secure your cheapest car insurance prices.

Monthly Dayton, OH Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Dayton, OH auto insurance rates by ZIP Code below:

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Dayton, OH Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Dayton, OH against other top US metro areas’ auto insurance costs.

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When you’re ready to buy Dayton, OH car insurance, enter your ZIP code into our free quote tool above to receive rates from reputable companies near you.

What is the cheapest car insurance company in Dayton, OH?

The cheapest Dayton, OH car insurance company is USAA. However, only military personnel can use its services.

American Family provides the next most affordable Dayton, OH car insurance rates on average and is available to everyone.

The cheapest Dayton, OH car insurance providers can be found below. You also might be wondering, “How do those Dayton, OH rates compare against the average Ohio car insurance company rates?” We uncover that too.

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Below, compare the average prices for car insurance from the top providers in Dayton from cheapest to most expensive:

  • USAA – $1,472.30
  • American Family – $1,673.55
  • GEICO – $2,101.27
  • State Farm – $2,832.71
  • Allstate – $3,287.81
  • Travelers – $3,395.66
  • Farmers – $3,648.11
  • Progressive – $3,804.32
  • Nationwide – $4,226.20
  • Liberty Mutual – $4,725.34

Insurance companies use different formulas to calculate rates—your age, driving record, and coverage levels all impact your total premiums.

To secure your best prices, compare quotes from multiple providers listed above.

Dayton, Ohio car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Dayton, OH car insurance costs. Find the cheapest Dayton, Ohio car insurance costs by coverage level below:

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Your credit score will play a major role in your Dayton, OH car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Dayton, Ohio car insurance costs by credit score below.

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Your driving record will affect your Dayton, OH car insurance costs. For example, a Dayton, Ohio DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Dayton, Ohio car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Dayton, Ohio car insurance. Factors affecting car insurance rates in Dayton, OH may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Dayton, OH car insurance rates. Young drivers are often considered high-risk. This Dayton, Ohio does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Dayton, OH.

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What car insurance coverage is required in Dayton, OH?

By law, all Dayton residents must carry the Ohio state minimum car insurance levels to drive on the roads.

What is the penalty for driving without car insurance in Ohio? Fines, potential license suspension, and reinstatement fees of up to $365.

Currently, Ohio requires the following coverage limits:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $25,000 in property damage liability coverage

Ohio is a tort or at-fault state. If you cause an accident, your liability car insurance coverage pays for the damages to the other driver involved.

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What affects car insurance rates in Dayton, OH?

Higher than state average vehicle theft rates influence the regional Dayton, OH car insurance costs.

Fortunately, Dayon’s very minor traffic congestion balances out any potential increases this may cause.

Driving often in heavy traffic can cause car insurance costs to go up. Luckily, INRIX ranked Dayton as the 156th-most congested city in America.

According to City-Data, the average commuter length for Dayton residents is only 20.5 minutes.

However, the Federal Bureau of Investigation (FBI) recorded 616 car thefts in 2017, a rate of 439.5 vehicles stolen per 100,000 residents.

Dayton, OH weather patterns can also impact car insurance rates. Commonly, Ohio experiences tornadoes, earthquakes, cyclones, and flooding.

Dayton, OH Car Insurance: The Bottom Line

Overall, Dayton’s car insurance prices are average for the state of Ohio.

Cleveland car insurance rates, for example, average $283 per month, compared to $259 per month in Dayton.

Seek out quotes from multiple providers online and comparison shop to secure your cheapest premiums.

Remember to ask about car insurance discounts for even more savings. Installing an anti-theft device, for example, can sometimes lead to a deal and counterbalance the higher theft statistics.

You can compare Dayton, OH car insurance quotes for free right now by entering your ZIP code into our quote tool below.

Free Car Insurance Comparison

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

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Monthly Dayton, OH Car Insurance Rates by ZIP Code
Dayton, OH Car Insurance Rates vs. Top US Metro Car Insurance Rates
Dayton, OH Car Insurance Rates by Company vs. City Average
Dayton, OH Car Insurance Rates by Company and Age
The Cheapest Dayton, OH Car Insurance Rates by Coverage Level
The Cheapest Dayton, OH Car Insurance Rates by Credit Score
The Cheapest Dayton, OH Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Dayton, OH
Average Monthly Car Insurance Rates by Age & Gender in Dayton, OH
Monthly Dayton, OH Car Insurance Rates by ZIP Code
Dayton, OH Car Insurance Rates vs. Top US Metro Car Insurance Rates
Dayton, OH Car Insurance Rates by Company vs. City Average
Dayton, OH Car Insurance Rates by Company and Age
The Cheapest Dayton, OH Car Insurance Rates by Coverage Level
The Cheapest Dayton, OH Car Insurance Rates by Credit Score
The Cheapest Dayton, OH Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Dayton, OH
Average Monthly Car Insurance Rates by Age & Gender in Dayton, OH