The best car insurance in Dayton, OH

By

Erin Gobler

Erin Gobler

Insurance Expert

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Updated November 8, 2021

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The average car insurance rate in Ohio is $1,038 per year. Drivers in the state enjoy some of the cheapest car insurance in the nation, with rates well below the national average. And Dayton drivers, in particular, have access to rates lower than even the state average.

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When you’re searching for your next car insurance policy, shopping around can help you find the best rate. Policygenius can help you see quotes from the top insurers in Dayton so you can find the best coverage at the best rate.

Key Takeaways

  • USAA has the cheapest car insurance in Dayton, with an average rate of $703.

  • Erie has some of the highest rates in Dayton, with an average rate of $883.

  • Ohio drivers must have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $25,000 in property damage liability coverage.

Cheapest car insurance companies in Dayton, OH

When you sign up for car insurance, companies use factors like your age, driving history, location, and more to determine your rates. Each insurance company has its own formula for setting rates, so while they all use the same factors to determine rates, they may all offer you different quotes. As you can see below, USAA has the cheapest car insurance in Dayton, followed by GEICO.

Company

Average cost

JD Power Rating

USAA

$703

890

GEICO

$749

871

Auto-Owners Insurance

$835

890

State Farm

$863

881

Erie

$883

880

Cheapest car insurance rates by ZIP code in Dayton, OH

Location plays an important role in determining your insurance rates. Insurance companies consider not only your city, but also your ZIP code. Certain ZIP codes in Dayton may have higher crime rates, more car accidents, or a higher rate of uninsured drivers. As a result, drivers in those neighborhoods are likely to pay higher car insurance rates. On the other hand, drivers in ZIP codes with fewer accidents and fewer uninsured drivers are likely to pay lower rates.

ZIP code

Average cost

45402

$1,174

45403

$1,156

45404

$1,142

45405

$1,155

45406

$1,165

45409

$1,096

45410

$1,114

45414

$1,061

Choosing the right car insurance company in Dayton, OH

Dayton residents have plenty of highly rated car insurance companies to choose from. The insurance experts at Policygenius can help answer all of your insurance questions to make your shopping experience easier. Policygenius can also help you get quotes from Dayton’s top insurers.

Car insurance rates for drivers with driving violations in Dayton, OH

You probably already know that your driving history can impact your insurance rates. Drivers with clean driving histories are likely to pay lower rates, while those with offenses such as speeding or car accidents on their record will pay more. These offenses stay on your record for several years before falling off, at which time your insurance rates may go back down. As you can see below, certain driving offenses, such as driving under the influence or causing an accident, have a much larger impact on your insurance rates than other more minor offenses.

Violation

USAA

GEICO

Auto-Owners Insurance

State Farm

Erie

At-fault Accident

$1,088

$1,372

$1,226

$1,043

$1,297

DUI

$1,128

$1,742

$1,696

$959

$1,556

Driving with a suspended license

$1,091

$969

$1,696

$959

$1,556

Driving with an open container

$1,015

$1,742

$1,696

$959

$1,039

Driving with expired registration

$945

$969

$845

$959

$1,039

Driving without Lights

$753

$969

$845

$959

$1,039

Failure to show documents

$945

$969

$845

$959

$1,039

Failure to stop at a red light

$945

$969

$845

$959

$1,039

Cheapest car insurance for drivers with bad credit in Dayton, OH

You might be surprised to learn that when you sign up for car insurance, your car insurance company will run your credit, and your credit score will help to determine your insurance rates. Research has found a correlation between credit and insurance claims, and drivers with bad credit are generally more likely to file car insurance claims. As a result, they also usually pay higher insurance rates than drivers with good credit. Certain states don’t allow insurance companies to use this information. Ohio is not one of those states, meaning your credit is fair game.

Company

Rates for drivers with bad credit

GEICO

$1,092

USAA

$1,292

Nationwide

$1,435

Grange Insurance

$1,461

State Farm

$1,959

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Buying car insurance in Dayton, OH

Like most states, Ohio requires all drivers to have car insurance in order to legally operate a vehicle. The following insurance coverages are required for Ohio drivers:

  • Bodily injury liability coverage of $25,000 per person or $50,000 per accident

  • Property damage liability coverage of $25,000

As an alternative, the state also allows drivers to either get a bond or post collateral in lieu of carrying car insurance.

Ohio isn’t a no-fault insurance state. As a result, the driver at fault for an accident is financially responsible for the damages — both property damage and damage to people. The liability coverage that each driver carries is designed to cover the cost of damages if they cause an accident.  But if the cost of damages exceeds your insurance coverage, you may be required to pay the difference out of your own pockets, including having assets seized or wages garnished.

If you’re caught driving without insurance, you’ll be subject to certain penalties. First, you may lose your driver’s license until you’re able to show proof of insurance. For second and subsequent offenses, your license may be suspended for one year and two years, respectively. You’ll also lose your license plates and vehicle registration, with a reinstatement fee required to get them back. And if you’re involved in an accident without insurance, you could be subject to a two-year suspension of your license, even on the first offense.

How to get cheap car insurance in Dayton, OH

Luckily, Dayton drivers already have access to some of the cheapest car insurance rates in the country. Even so, there are steps you can take to cut your insurance costs even more. Here are a few strategies:

  • Shop around: As we’ve discussed, insurance rates can vary from one provider to the next. Policygenius can help you get quotes from all of the top insurance carriers.

  • Take advantage of discounts: Insurance companies offer a variety of discounts to help their customers save for bundling their policies, driving safely, and more.

Increase your deductible: Your deductible is what you’ll pay out of pocket before your insurance kicks in. In general, the higher your deductible, the lower your premium.

Frequently asked questions

How much does car insurance cost in Ohio?

Ohio drivers pay an average car insurance rate of $1,038 per year. Insurance rates in Ohio are well below the national average and the second-lowest in the country.

What is the cheapest Dayton car insurance company?

USAA has the cheapest insurance in Dayton, with an average rate of $703, but is only available to certain military members, veterans, and their families. GEICO is the cheapest insurance company that’s available to everyone, with an average rate of $749 per year.

What factors affect my car insurance rates?

Your car insurance rates are determined by many different factors, including your location, driving record, driving frequency, vehicle, coverage amount, age, gender, and credit score.

Am I required to have car insurance in Dayton?

Yes, Dayton drivers are required to carry bodily injury liability coverage of $25,000 per person and $50,000 per accident and property damage liability coverage of $25,000.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.