Best car insurance in Dayton, OH (2024)

Headshot of Rachael Brennan

By

Erin GoblerInsurance ExpertErin 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.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
|

Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

The average cost of car insurance in Dayton is $1,084 per year for a full coverage policy. Drivers in Ohio enjoy some of the cheapest car insurance in the nation, with rates well below the national average.

Ready to shop car insurance?

When you’re searching for your next car insurance policy, shopping around can help you find the best rate. Policygenius can help you compare 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 yearly rate of $701.

  • GEICO is the cheapest company for Dayton drivers with bad credit.

  • 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.

Methodology & why you can trust our rates

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

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. Here are the cheapest car insurance companies in Dayton:

Company

Average cost

JD Power Rating

USAA

$701

890

GEICO

$807

874

State Farm

$826

882

Auto-Owners Insurance

$842

865

Erie

$883

893

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

45458

$1,002

45435

$1,027

45420

$1,030

45414

$1,033

45409

$1,066

45479

$1,073

45410

$1,079

45423

$1,080

45404

$1,111

45469

$1,117

Collapse table

Choosing the right car insurance company in Dayton, OH

Dayton residents have plenty of highly rated car insurance companies to choose from. Policygenius can help you get quotes from Dayton’s top insurers so you can pick the policy that works best for you.

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.

Violation

USAA

GEICO

State Farm

Auto-Owners Insurance

Erie

At-fault accident

$1,083

$1,480

$1,000

$1,226

$1,297

DUI

$1,122

$1,888

$919

$1,696

$1,556

Suspended license

$1,086

$1,042

$919

$1,696

$1,556

Open container

$1,011

$1,888

$919

$845

$1,039

Expired registration

$941

$1,042

$919

$845

$1,039

Driving without lights

$751

$1,042

$919

$845

$1,039

Running a red light

$941

$1,042

$919

$845

$1,039

Following too closely

$941

$1,042

$919

$845

$1,039

Hit and run

$1,155

$1,888

$919

$1,696

$1,556

Not-at-fault accident

$751

$857

$838

$845

$952

Passing a school bus

$1,011

$1,042

$919

$948

$1,039

Reckless driving

$1,011

$1,888

$919

$1,696

$1,039

Speeding

$941

$1,888

$919

$1,118

$1,039

Collapse table

Cheapest car insurance for drivers with a DUI in Dayton, OH

Company

Rates for drivers with DUIs

State Farm

$919

USAA

$1,122

Erie

$1,556

Auto-Owners Insurance

$1,696

GEICO

$1,888

Cheapest car insurance for drivers with a speeding ticket in Dayton, OH

Company

Rates for drivers with speeding tickets

State Farm

$919

USAA

$941

Erie

$1,039

Auto-Owners Insurance

$1,118

GEICO

$1,888

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

Drivers with bad credit usually pay higher insurance rates than drivers with good credit. Certain states don’t allow insurance companies to use this information, but Ohio is not one of those states, meaning your credit is fair game.

Company

Rates for drivers with bad credit

GEICO

$1,179

USAA

$1,288

Nationwide

$1,481

Grange Insurance

$1,481

Travelers

$1,824

Ready to shop car insurance?

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 $1,008 per year. Insurance rates in Ohio are well below the national average and are the lowest in the country.

What is the cheapest Dayton car insurance company?

USAA has the cheapest car insurance in Dayton, but it's only available to certain military members, veterans, and their families. GEICO is the cheapest insurance company that’s available to everyone.

How much is car insurance per month in Ohio?

The average cost of car insurance in Ohio is $84 per month, or $1,008 per year.

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.

Authors

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.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

Questions about this page? Email us at .