Buy Cheap Dayton, OH Auto Insurance (2021)

Dayton, OH auto insurance rates average $260 a month. Minimum auto insurance requirements in Dayton, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Dayton, OH, compare Dayton auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The most expensive auto insurance company in Dayton after a DUI is Nationwide
  • Average auto insurance rates in Dayton, OH for teens drivers are $6,466/year
  • Average auto insurance rates in Dayton, OH after a DUI are $3,634/year

Finding affordable Dayton, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Dayton, OH auto insurance with confidence is right here. Auto insurance rates in Dayton are affected by local factors as well as personal ones like your driving record.

See how Dayton, OH car insurance rates compare to Columbus auto insurance rates, Cleveland auto insurance rates, and Cincinnati auto insurance rates before you read more about the cost of auto insurance in Dayton.

Don’t buy Dayton, OH auto insurance until you’ve compared rates. Get free Dayton, Ohio auto insurance quotes when you enter your ZIP code above.

Dayton, OH Minimum Auto Insurance Requirements

The required auto insurance in Dayton, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Dayton, Ohio is outlined here.

Minimum Required Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Dayton, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Dayton, OH. Take a look at Dayton, Ohio auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Dayton, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Dayton, Ohio auto insurance rates? Find out how car insurance rates in Dayton, OH are impacted by demographics.

Annual Auto 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

Buy Cheap Dayton, OH Auto Insurance for Teen Drivers

Auto insurance for teenagers in Dayton can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Dayton, OH are listed here.

Annual Auto 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

Buy Cheap Dayton, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Dayton, Ohio by comparing Dayton senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Dayton, OH here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Dayton, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Dayton, Ohio auto insurance. Compare Dayton, OH auto insurance rates by coverage level.

Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Dayton, OH Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Dayton. Compare auto insurance rates in Dayton, OH by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Dayton, OH Auto Insurance Rates by ZIP Code

Auto insurance rates in Dayton, Ohio can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Dayton, OH to see how much where you live in Dayton affects the cost of car insurance.

Annual Auto 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

Find Cheap Dayton, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Dayton, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Dayton, OH, take a look at the average cost for various violations versus rates for a clean driving record in Dayton.

Annual Dayton, Ohio Auto 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

Find Cheap Dayton, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Dayton, Ohio is higher than for a clean driving record. You can buy auto insurance after a DUI in Dayton for less when you shop around and compare rates from multiple Dayton, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Dayton, Ohio

Insurance Company Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Winners by Category: Where to Buy Cheap Auto Insurance in Dayton, OH

Compare rates from the cheapest auto insurance companies in Dayton, OH for your needs. Take a look at how Dayton, Ohio auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Dayton, Ohio Auto Insurance Companies

If you’re looking for the cheapest Dayton, OH auto insurance companies overall, you can compare them here. Find the best price for Dayton, Ohio car insurance by company.

Average Annual Auto 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

What affects Dayton, Ohio auto insurance rates?

Local factors affect auto insurance rates in Dayton, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Dayton auto insurance rates.

Auto Theft in Dayton

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Dayton, OH auto theft show a total of 795 vehicle thefts annually.

Commute Times in Dayton

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Dayton, OH is 20.5 minutes according to City-Data.

Traffic in Dayton

How is traffic in Dayton, Ohio? Inrix data shows that Dayton, OH traffic makes it the 367th-most congested city compared to other cities worldwide.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Auto Insurance Quotes in Dayton, OH

You can buy cheap Dayton, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Dayton, Ohio auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption