Compare the Cheapest Car Insurance Quotes in Dayton

The average cost of car insurance in Dayton is $773 per year, cheaper than the state average. The cheapest most widely available company in the city is GEICO, which has an average rate of $502 per year. MoneyGeek evaluated the cheapest companies by coverage amount and driving history. For those looking for quality service and affordability, MoneyGeek also ranked the best companies.

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The Cheapest and Best Car Insurance in Dayton

The Cheapest Car Insurance Companies in Dayton

Based on average rates, the cheapest companies in the city are:

  • USAA: $462 per year (only available to current and former military or their families)
  • GEICO: $502 per year

For many Dayton drivers, a MetLife policy costs 113.5% more than a similar coverage with GEICO. Meanwhile, USAA policyholders pay 132% less than MetLife policyholders. We always recommend that our readers shop around to find the best car insurance.

All these prices are for a 40-year-old male driver with a full coverage policy, which includes liability insurance and comprehensive and collision insurance.

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Average Cost of Car Insurance in Dayton

Dayton$773
Ohio$803
U.S.$1,424

The average car insurance rate in Dayton is $773 per year. That means Dayton drivers typically pay less for car insurance compared to the state and national average premiums.

The state average is $803, 3.7% more than Dayton. The city average is also 45.7% cheaper than the national average of $1,424.

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The Best Car Insurance Companies in Dayton

For the drivers who value a balance of affordability and quality service, MoneyGeek ranked the best car insurance companies in Dayton.

  • Erie Insurance (MoneyGeek score of 95 out of 100)
  • The Hartford (MoneyGeek score of 87.5 out of 100)

Although USAA got the highest score, it was not listed as best overall because it is only available to military members, veterans and their families. To arrive at the unique MoneyGeek scores, we used a scoring system that includes J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Erie
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
Hartford
Score:88

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Auto-Owners Insurance Co
Score:88

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
GEICO
Score:88

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Cincinnati Insurance Companies
Score:88

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

9
Nationwide
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Dayton

Comparing car insurance quotes is the best way to find the policy that most accurately fits your needs. Various factors, such as age, ZIP code, gender, credit history and car make and car model, affect car insurance quotes in Dayton. Get personalized quotes regularly to see if you qualify for discounts or rebates.

Shopping around for car insurance in Dayton could save you $271, which is enough to buy:


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90Cups of Coffee
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21Months of Your Favorite Streaming Service

Cheapest Car Insurance in Dayton by Coverage Amount

In Dayton and elsewhere, the amount of coverage you buy will have a huge impact on the price of your auto insurance. A car insurance policy only meeting state minimums costs $438 on average, while a full coverage policy in the city costs an average of $824, a difference of $386 per year.

Ohio Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Many drivers consider the most affordable car insurance policy to be the best option. However, that is not the case for everyone. You should consider the level of coverage suitable for your needs.

A 50/100/50 liability-only or full coverage policy will provide higher coverage limits. You can get as much as $50,000 for bodily injuries per person, $100,000 for total bodily injuries per accident and $50,000 for property damage. A liability-only policy will only cover the other driver’s expenses, while full coverage will include your expenses if you are in an at-fault accident. The difference between liability-only and full coverage from GEICO is only $149 per year.

If you want higher coverage, then a 100/300/100 full coverage policy may be right for you. GEICO is the cheapest widely available company with an average rate of $502 annually.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Dayton if You Have Driving Violations

Having moving violations on your driving record, such as speeding tickets, at-fault accidents, or a DUI, will increase your car insurance rates in Dayton. For instance, the average cost of insurance from GEICO for a driver with a clean driving record is $502 per year. A speeding ticket will increase that rate by $116. A similar policy costs $1,108 on average for drivers with DUI, which is a whopping $606 more expensive.

Average Cost of Car Insurance by Postal Code

Another important factor when determining auto insurance rates in Ohio is your address. Your ZIP code makes a difference because of crime rates, accident statistics and the number of uninsured drivers. In Dayton, ZIP Codes 45424 and 45417 have the same average rate of $733 per year.

  • Zip Code
    State Minimumper year
  • 45424
    $733
  • 45417
    $NaN

Factors That Impact Insurance Costs in Dayton

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Dayton. How Dayton ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities35th/300
handcuffs2 icon
Most Car Thefts138th/300
uninsured icon
Most Uninsured Motorists by State22nd/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall105th/300
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Most Rainy Days27th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Dayton are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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