Compare Rates and Save on Auto Insurance

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The best insurer for you will vary based on your needs and preferences. Erie offers the most affordable full and minimum coverage auto insurance in Dayton. For drivers with driving records, both Auto-Owners Insurance Co and American Family offer the best deals. Nationwide provides teen drivers with the best car insurance. Cincinnati Insurance is MoneyGeek's winner for best overall and best customer service, while Erie offers the best cheap auto insurance in Dayton.

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2023

Cheapest and Best Car Insurance in Dayton, OH

Cheapest Minimum Liability Car Insurance in Dayton

The following companies offer the cheapest minimum coverage auto insurance in Dayton:

  • Erie: $198 per year
  • Nationwide: $257 per year

State Farm has the most expensive policy for minimum coverage car insurance, with annual premiums costing $2,421, on average. At $226 a year as of October 2022, Nationwide provides the most affordable auto insurance in Ohio but this insurer is only the second-cheapest in Dayton.

Company
Annual Premium
Monthly Premium

Erie

$195

$16

Erie

$198

$17

Nationwide

$247

$21

Erie

$251

$21

Progressive

$257

$21

Nationwide

$257

$21

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$264

$22

Progressive

$277

$23

American Family

$291

$24

American Family

$291

$24

American Family

$299

$25

Nationwide

$320

$27

Grange Insurance

$322

$27

Grange Insurance

$326

$27

Cincinnati Insurance

$328

$27

GEICO

$332

$28

Cincinnati Insurance

$342

$28

Progressive

$348

$29

Grange Insurance

$359

$30

Westfield

$371

$31

Auto-Owners Insurance Co

$374

$31

GEICO

$377

$31

Travelers

$400

$33

Cincinnati Insurance

$405

$34

Westfield

$409

$34

Travelers

$426

$35

Farmers

$428

$36

GEICO

$430

$36

Westfield

$435

$36

Farmers

$444

$37

Travelers

$453

$38

Farmers

$505

$42

Nationwide

$513

$43

Erie

$531

$44

American Family

$536

$45

Erie

$544

$45

Nationwide

$556

$46

Auto-Owners Insurance Co

$570

$48

Allstate

$570

$48

American Family

$573

$48

Allstate

$584

$49

American Family

$592

$49

Auto-Owners Insurance Co

$594

$50

Grange Insurance

$636

$53

GEICO

$644

$54

Allstate

$650

$54

Nationwide

$673

$56

Progressive

$674

$56

GEICO

$681

$57

Grange Insurance

$686

$57

Erie

$686

$57

Progressive

$734

$61

Cincinnati Insurance

$743

$62

Farmers

$743

$62

Grange Insurance

$763

$64

Farmers

$769

$64

Travelers

$780

$65

Travelers

$783

$65

Cincinnati Insurance

$809

$67

Westfield

$852

$71

Westfield

$856

$71

Auto-Owners Insurance Co

$859

$72

GEICO

$870

$73

Allstate

$888

$74

Travelers

$922

$77

Farmers

$926

$77

Allstate

$932

$78

Progressive

$955

$80

Cincinnati Insurance

$986

$82

Westfield

$1,097

$91

Allstate

$1,134

$95

State Farm

$2,279

$190

State Farm

$2,421

$202

State Farm

$2,950

$246

State Farm

$3,427

$286

State Farm

$3,662

$305

State Farm

$4,651

$388

State law determines the liability limits for minimum coverage insurance. The minimum coverage required in Ohio includes the following amounts for bodily injury and personal property damage:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Liability-only insurance covers the cost of damages to the other vehicle or motorist, not damages to your car. With the minimum coverage required in Ohio, insurers will cover medical expenses of up to $25,000 per person, totaling up to $50,000 per accident. You will be responsible for any costs exceeding this amount.

Cheapest Full Coverage Car Insurance in Dayton

The following insurers provide the cheapest full coverage auto insurance in Dayton:

  • Erie: $544 per year
  • Nationwide: $556 per year

At $3,662 per year, State Farm charges the most for full coverage. Although Nationwide offers the cheapest full coverage car insurance in Ohio as of October 2022, at an average annual cost of $485, it earned our runner-up spot in Dayton.

Company
Annual Premium
Monthly Premium

Erie

$195

$16

Erie

$198

$17

Nationwide

$247

$21

Erie

$251

$21

Progressive

$257

$21

Nationwide

$257

$21

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$264

$22

Progressive

$277

$23

American Family

$291

$24

American Family

$291

$24

American Family

$299

$25

Nationwide

$320

$27

Grange Insurance

$322

$27

Grange Insurance

$326

$27

Cincinnati Insurance

$328

$27

GEICO

$332

$28

Cincinnati Insurance

$342

$28

Progressive

$348

$29

Grange Insurance

$359

$30

Westfield

$371

$31

Auto-Owners Insurance Co

$374

$31

GEICO

$377

$31

Travelers

$400

$33

Cincinnati Insurance

$405

$34

Westfield

$409

$34

Travelers

$426

$35

Farmers

$428

$36

GEICO

$430

$36

Westfield

$435

$36

Farmers

$444

$37

Travelers

$453

$38

Farmers

$505

$42

Nationwide

$513

$43

Erie

$531

$44

American Family

$536

$45

Erie

$544

$45

Nationwide

$556

$46

Auto-Owners Insurance Co

$570

$48

Allstate

$570

$48

American Family

$573

$48

Allstate

$584

$49

American Family

$592

$49

Auto-Owners Insurance Co

$594

$50

Grange Insurance

$636

$53

GEICO

$644

$54

Allstate

$650

$54

Nationwide

$673

$56

Progressive

$674

$56

GEICO

$681

$57

Grange Insurance

$686

$57

Erie

$686

$57

Progressive

$734

$61

Cincinnati Insurance

$743

$62

Farmers

$743

$62

Grange Insurance

$763

$64

Farmers

$769

$64

Travelers

$780

$65

Travelers

$783

$65

Cincinnati Insurance

$809

$67

Westfield

$852

$71

Westfield

$856

$71

Auto-Owners Insurance Co

$859

$72

GEICO

$870

$73

Allstate

$888

$74

Travelers

$922

$77

Farmers

$926

$77

Allstate

$932

$78

Progressive

$955

$80

Cincinnati Insurance

$986

$82

Westfield

$1,097

$91

Allstate

$1,134

$95

State Farm

$2,279

$190

State Farm

$2,421

$202

State Farm

$2,950

$246

State Farm

$3,427

$286

State Farm

$3,662

$305

State Farm

$4,651

$388

A full coverage policy provides more coverage than a minimum coverage policy, including collision and comprehensive coverage.

  • Collision coverage: Pays for damages to your vehicle from collisions with another vehicle or object (tree, stop sign, mailbox, streetlight, etc.).
  • Comprehensive coverage: Aids in covering costs for damages to your vehicle from a natural disaster or vandalism.

To safeguard their investments, owners of new cars are advised to purchase full coverage. However, it might not be worthwhile to spend more each year for additional coverage if your car is older.

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Cheapest Car Insurance in Dayton After a Driving Offense

In Dayton, drivers with the following violations on their records will get the cheapest rates from these companies:

  • Speeding ticket: Auto-Owners Insurance Co ($594 per year)
  • At-fault accident: American Family ($740 per year)
  • DUI: American Family ($717 per year)

State Farm is the most expensive for those with speeding tickets, at-fault accidents and DUI offenses, charging drivers annual premiums of $4,063, $4,465 and $4,063, respectively. Even insurers that typically offer affordable policies charge drivers with violations more for car insurance.

Company
Annual Premium
Monthly Premium

Erie

$215

$18

Erie

$220

$18

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$264

$22

Erie

$279

$23

Erie

$285

$24

Erie

$287

$24

Nationwide

$322

$27

Progressive

$335

$28

Nationwide

$335

$28

Erie

$349

$29

Erie

$353

$29

Progressive

$353

$29

Progressive

$359

$30

Erie

$361

$30

American Family

$363

$30

American Family

$363

$30

American Family

$366

$31

American Family

$366

$31

American Family

$370

$31

American Family

$371

$31

American Family

$371

$31

American Family

$373

$31

Auto-Owners Insurance Co

$374

$31

American Family

$378

$31

Progressive

$383

$32

Cincinnati Insurance

$388

$32

GEICO

$396

$33

Nationwide

$403

$34

Cincinnati Insurance

$404

$34

Progressive

$408

$34

Auto-Owners Insurance Co

$408

$34

Nationwide

$408

$34

Auto-Owners Insurance Co

$411

$34

Nationwide

$423

$35

Grange Insurance

$424

$35

Progressive

$433

$36

Grange Insurance

$434

$36

Westfield

$444

$37

Erie

$448

$37

GEICO

$452

$38

Grange Insurance

$465

$39

Grange Insurance

$472

$39

Cincinnati Insurance

$479

$40

Westfield

$489

$41

Grange Insurance

$503

$42

Nationwide

$504

$42

GEICO

$505

$42

Progressive

$510

$42

Nationwide

$510

$43

Grange Insurance

$510

$43

Grange Insurance

$519

$43

Grange Insurance

$520

$43

Westfield

$521

$43

Nationwide

$525

$44

GEICO

$526

$44

Farmers

$534

$44

Travelers

$543

$45

Progressive

$557

$46

Travelers

$569

$47

Auto-Owners Insurance Co

$570

$48

Grange Insurance

$571

$48

Travelers

$574

$48

Progressive

$579

$48

Farmers

$579

$48

Auto-Owners Insurance Co

$583

$49

Erie

$584

$49

Auto-Owners Insurance Co

$588

$49

Auto-Owners Insurance Co

$593

$49

Auto-Owners Insurance Co

$594

$50

Erie

$595

$50

Travelers

$603

$50

Nationwide

$605

$50

Farmers

$611

$51

Cincinnati Insurance

$612

$51

Farmers

$615

$51

GEICO

$619

$52

Travelers

$621

$52

Westfield

$629

$52

Cincinnati Insurance

$637

$53

Travelers

$647

$54

Travelers

$659

$55

Nationwide

$663

$55

Westfield

$667

$56

Allstate

$669

$56

American Family

$675

$56

American Family

$675

$56

Travelers

$679

$57

GEICO

$680

$57

Farmers

$683

$57

Allstate

$686

$57

Westfield

$693

$58

Farmers

$693

$58

Farmers

$693

$58

American Family

$698

$58

Nationwide

$714

$60

American Family

$717

$60

American Family

$717

$60

Allstate

$721

$60

American Family

$738

$62

American Family

$738

$62

American Family

$740

$62

Travelers

$741

$62

Allstate

$742

$62

Erie

$746

$62

Erie

$752

$63

Cincinnati Insurance

$756

$63

Erie

$758

$63

American Family

$765

$64

Farmers

$766

$64

Allstate

$774

$64

GEICO

$775

$65

Farmers

$779

$65

Allstate

$780

$65

GEICO

$798

$67

Allstate

$803

$67

Cincinnati Insurance

$803

$67

Nationwide

$832

$69

Cincinnati Insurance

$836

$70

Nationwide

$840

$70

Auto-Owners Insurance Co

$841

$70

Allstate

$842

$70

Auto-Owners Insurance Co

$859

$72

Auto-Owners Insurance Co

$862

$72

GEICO

$865

$72

Cincinnati Insurance

$876

$73

Progressive

$888

$74

GEICO

$890

$74

Auto-Owners Insurance Co

$891

$74

Nationwide

$892

$74

Grange Insurance

$894

$74

Erie

$908

$76

Grange Insurance

$911

$76

Progressive

$914

$76

Allstate

$917

$76

Erie

$917

$76

Grange Insurance

$919

$77

GEICO

$934

$78

Grange Insurance

$937

$78

Erie

$954

$80

Cincinnati Insurance

$956

$80

Progressive

$961

$80

Grange Insurance

$991

$83

Progressive

$992

$83

Cincinnati Insurance

$993

$83

Farmers

$995

$83

Farmers

$1,008

$84

Westfield

$1,019

$85

Westfield

$1,025

$85

Grange Insurance

$1,028

$86

Nationwide

$1,038

$87

Nationwide

$1,044

$87

GEICO

$1,047

$87

GEICO

$1,073

$89

Allstate

$1,082

$90

Farmers

$1,090

$91

Nationwide

$1,097

$91

Grange Insurance

$1,100

$92

Grange Insurance

$1,108

$92

Travelers

$1,112

$93

Progressive

$1,118

$93

Farmers

$1,129

$94

Allstate

$1,138

$95

Farmers

$1,152

$96

Erie

$1,159

$97

Travelers

$1,163

$97

Cincinnati Insurance

$1,165

$97

GEICO

$1,180

$98

Allstate

$1,188

$99

Travelers

$1,192

$99

Progressive

$1,196

$100

Travelers

$1,209

$101

Auto-Owners Insurance Co

$1,220

$102

Farmers

$1,221

$102

Westfield

$1,221

$102

Grange Insurance

$1,232

$103

Farmers

$1,249

$104

Nationwide

$1,249

$104

Allstate

$1,250

$104

Travelers

$1,252

$104

Auto-Owners Insurance Co

$1,256

$105

Westfield

$1,259

$105

Farmers

$1,264

$105

Travelers

$1,265

$105

Westfield

$1,286

$107

Allstate

$1,286

$107

Auto-Owners Insurance Co

$1,296

$108

Travelers

$1,300

$108

Westfield

$1,314

$110

Progressive

$1,316

$110

Westfield

$1,319

$110

Westfield

$1,323

$110

Allstate

$1,354

$113

Cincinnati Insurance

$1,382

$115

Progressive

$1,382

$115

Farmers

$1,392

$116

Travelers

$1,400

$117

Allstate

$1,404

$117

GEICO

$1,405

$117

Travelers

$1,413

$118

GEICO

$1,497

$125

Cincinnati Insurance

$1,507

$126

Allstate

$1,551

$129

Progressive

$1,560

$130

Westfield

$1,565

$130

Allstate

$1,685

$140

GEICO

$1,713

$143

Cincinnati Insurance

$1,814

$151

GEICO

$1,825

$152

Auto-Owners Insurance Co

$1,836

$153

Cincinnati Insurance

$1,837

$153

Cincinnati Insurance

$1,979

$165

Westfield

$2,397

$200

Westfield

$2,402

$200

Cincinnati Insurance

$2,414

$201

State Farm

$2,532

$211

State Farm

$2,532

$211

Westfield

$2,643

$220

State Farm

$2,690

$224

State Farm

$2,690

$224

State Farm

$2,785

$232

State Farm

$2,959

$247

State Farm

$3,277

$273

State Farm

$3,277

$273

State Farm

$3,606

$300

State Farm

$3,804

$317

State Farm

$3,804

$317

State Farm

$4,063

$339

State Farm

$4,063

$339

State Farm

$4,181

$348

State Farm

$4,465

$372

State Farm

$5,161

$430

State Farm

$5,161

$430

State Farm

$5,672

$473

Your insurance rate will typically increase in proportion to the severity of your driving offense. The average increase in the annual premium for a driver with a speeding ticket is $194 compared to $571 for a driver with a DUI offense. However, it is possible to acquire cheap auto insurance even if you have a poor driving history.

Cheapest Car Insurance in Dayton for Teens and Their Families

The cheapest auto insurance providers in Dayton for 16-year-old teen drivers on a family policy are:

  • Nationwide: $1,093 per year for female teens; $1,274 per year for male teens
  • Travelers: $1,927 per year for female teens
  • Allstate: $1,955 per year for male teens

State Farm is the most expensive for teenagers joining a plan, charging families $11,719 or $14,998 annually to add a female or male teen to a parent’s existing policy.

Male teens are typically charged more for car insurance as insurance companies consider them riskier to insure. This cost discrepancy drops off in early adulthood, however.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$688

$1,166

Nationwide

$696

$1,269

Nationwide

$710

$1,590

Nationwide

$763

$1,862

Nationwide

$774

$1,313

Nationwide

$790

$1,483

Nationwide

$825

$1,398

Travelers

$829

$1,527

Nationwide

$831

$1,515

Nationwide

$840

$1,726

Nationwide

$884

$1,612

Travelers

$907

$1,603

Travelers

$940

$1,730

Travelers

$946

$1,919

Travelers

$971

$1,787

Nationwide

$1,015

$2,825

Travelers

$1,043

$1,843

Nationwide

$1,047

$3,353

Nationwide

$1,074

$2,406

Travelers

$1,079

$2,102

Travelers

$1,082

$2,214

Nationwide

$1,093

$3,577

Nationwide

$1,117

$3,577

Travelers

$1,126

$1,989

GEICO

$1,149

$1,786

Farmers

$1,153

$1,594

Auto-Owners Insurance Co

$1,165

$2,412

GEICO

$1,170

$2,447

Nationwide

$1,176

$3,722

GEICO

$1,181

$1,834

GEICO

$1,183

$1,653

Auto-Owners Insurance Co

$1,184

$2,407

Farmers

$1,186

$1,677

GEICO

$1,203

$1,680

GEICO

$1,204

$2,238

Nationwide

$1,219

$4,358

Auto-Owners Insurance Co

$1,232

$2,551

Nationwide

$1,237

$3,016

GEICO

$1,241

$1,928

GEICO

$1,245

$2,190

Allstate

$1,259

$2,426

Allstate

$1,259

$2,426

Allstate

$1,272

$4,706

Allstate

$1,272

$4,706

Travelers

$1,273

$2,482

Nationwide

$1,274

$4,653

Auto-Owners Insurance Co

$1,275

$2,593

Travelers

$1,275

$2,476

GEICO

$1,276

$2,013

GEICO

$1,278

$1,786

Auto-Owners Insurance Co

$1,280

$2,931

Travelers

$1,281

$2,904

Allstate

$1,283

$1,935

Allstate

$1,283

$1,935

Farmers

$1,296

$2,490

Nationwide

$1,301

$4,653

Auto-Owners Insurance Co

$1,307

$2,707

Allstate

$1,336

$2,015

Allstate

$1,336

$2,015

Auto-Owners Insurance Co

$1,361

$3,219

Allstate

$1,372

$2,217

Allstate

$1,372

$2,217

Auto-Owners Insurance Co

$1,384

$3,596

Farmers

$1,389

$2,773

Allstate

$1,398

$2,108

Allstate

$1,398

$2,108

Auto-Owners Insurance Co

$1,402

$2,851

Auto-Owners Insurance Co

$1,446

$3,153

GEICO

$1,464

$3,563

Farmers

$1,473

$2,300

Travelers

$1,475

$3,649

Allstate

$1,491

$3,274

Allstate

$1,491

$3,274

Allstate

$1,514

$2,916

Allstate

$1,514

$2,916

Progressive

$1,514

$1,732

Progressive

$1,517

$1,687

GEICO

$1,518

$3,174

Farmers

$1,522

$2,105

Progressive

$1,527

$2,275

GEICO

$1,529

$3,327

Travelers

$1,532

$2,975

Travelers

$1,545

$3,547

Farmers

$1,555

$2,150

Farmers

$1,565

$2,561

Auto-Owners Insurance Co

$1,571

$3,426

Auto-Owners Insurance Co

$1,587

$3,804

Farmers

$1,589

$2,245

GEICO

$1,593

$2,960

Auto-Owners Insurance Co

$1,594

$4,142

Auto-Owners Insurance Co

$1,599

$4,729

GEICO

$1,601

$4,803

GEICO

$1,649

$4,515

Farmers

$1,651

$3,744

Progressive

$1,661

$1,848

Farmers

$1,672

$2,363

Progressive

$1,692

$1,935

Farmers

$1,695

$7,535

Farmers

$1,708

$3,281

Progressive

$1,709

$2,107

Progressive

$1,718

$2,708

Farmers

$1,742

$4,066

Allstate

$1,750

$6,476

Allstate

$1,750

$6,476

Progressive

$1,765

$1,963

Farmers

$1,787

$8,109

Progressive

$1,789

$2,376

Farmers

$1,801

$3,596

Progressive

$1,820

$5,662

Travelers

$1,840

$4,536

Travelers

$1,840

$4,551

GEICO

$1,841

$5,523

Progressive

$1,873

$2,141

GEICO

$1,922

$5,263

Travelers

$1,927

$6,103

GEICO

$1,934

$7,086

Allstate

$1,955

$10,519

Allstate

$1,955

$10,519

Farmers

$1,970

$8,756

Progressive

$2,004

$3,561

Progressive

$2,014

$6,726

Auto-Owners Insurance Co

$2,042

$4,269

Progressive

$2,056

$6,411

Progressive

$2,060

$6,406

GEICO

$2,064

$7,179

Farmers

$2,065

$9,372

Progressive

$2,094

$3,119

Auto-Owners Insurance Co

$2,152

$5,465

Farmers

$2,170

$12,647

Progressive

$2,213

$4,143

Progressive

$2,237

$7,441

Auto-Owners Insurance Co

$2,252

$4,708

Auto-Owners Insurance Co

$2,264

$5,224

Progressive

$2,269

$7,075

Farmers

$2,269

$13,409

Progressive

$2,291

$3,610

Travelers

$2,334

$5,755

Auto-Owners Insurance Co

$2,449

$6,952

Auto-Owners Insurance Co

$2,457

$6,240

Travelers

$2,460

$7,905

State Farm

$5,636

$7,926

State Farm

$6,342

$8,919

State Farm

$6,471

$8,892

State Farm

$6,747

$11,225

State Farm

$7,029

$9,885

State Farm

$7,404

$12,331

State Farm

$7,405

$10,176

State Farm

$7,978

$13,274

State Farm

$8,378

$11,513

State Farm

$8,642

$14,392

State Farm

$8,642

$16,455

State Farm

$9,174

$14,935

State Farm

$10,065

$19,059

State Farm

$10,932

$17,797

State Farm

$10,937

$20,684

State Farm

$11,645

$22,049

State Farm

$11,719

$25,460

State Farm

$12,859

$24,040

State Farm

$14,935

$27,921

State Farm

$14,998

$32,157

Families with teen drivers can save money by adding them to a family policy rather than purchasing an individual policy. A 16-year-old male teen in Dayton could save $2,527 per year by joining a family policy as opposed to purchasing their own.

By following the appropriate steps to discover the cheapest car insurance for teens, families could save thousands annually.

Cheapest Car Insurance in Dayton for Military Drivers

For Dayton residents with a military background (active duty personnel and veterans and their families), the following insurers offer the cheapest car insurance:

  • USAA: $447 per year
  • Erie: $544 per year

The rates listed above are for a full coverage policy. If you choose minimum coverage, USAA is also the most affordable provider at $186 annually, with Erie coming in second at $198 annually. You can also find cheap car insurance for military drivers by comparing rates from multiple companies.

Company
Annual Premium
Monthly Premium

USAA

$186

$16

Erie

$195

$16

USAA

$196

$16

Erie

$198

$17

USAA

$243

$20

Nationwide

$247

$21

Erie

$251

$21

Progressive

$257

$21

Nationwide

$257

$21

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$264

$22

Progressive

$277

$23

American Family

$291

$24

American Family

$291

$24

American Family

$299

$25

Nationwide

$320

$27

Grange Insurance

$322

$27

Grange Insurance

$326

$27

Cincinnati Insurance

$328

$27

GEICO

$332

$28

Cincinnati Insurance

$342

$28

Progressive

$348

$29

Grange Insurance

$359

$30

Westfield

$371

$31

Auto-Owners Insurance Co

$374

$31

GEICO

$377

$31

Travelers

$400

$33

Cincinnati Insurance

$405

$34

Westfield

$409

$34

Travelers

$426

$35

Farmers

$428

$36

GEICO

$430

$36

Westfield

$435

$36

USAA

$436

$36

Farmers

$444

$37

USAA

$447

$37

Travelers

$453

$38

Farmers

$505

$42

Nationwide

$513

$43

Erie

$531

$44

American Family

$536

$45

Erie

$544

$45

Nationwide

$556

$46

Auto-Owners Insurance Co

$570

$48

Allstate

$570

$48

American Family

$573

$48

USAA

$584

$49

Allstate

$584

$49

American Family

$592

$49

Auto-Owners Insurance Co

$594

$50

Grange Insurance

$636

$53

GEICO

$644

$54

Allstate

$650

$54

Nationwide

$673

$56

Progressive

$674

$56

GEICO

$681

$57

Grange Insurance

$686

$57

Erie

$686

$57

Progressive

$734

$61

Cincinnati Insurance

$743

$62

Farmers

$743

$62

Grange Insurance

$763

$64

Farmers

$769

$64

Travelers

$780

$65

Travelers

$783

$65

Cincinnati Insurance

$809

$67

Westfield

$852

$71

Westfield

$856

$71

Auto-Owners Insurance Co

$859

$72

GEICO

$870

$73

Allstate

$888

$74

Travelers

$922

$77

Farmers

$926

$77

Allstate

$932

$78

Progressive

$955

$80

Cincinnati Insurance

$986

$82

Westfield

$1,097

$91

Allstate

$1,134

$95

State Farm

$2,279

$190

State Farm

$2,421

$202

State Farm

$2,950

$246

State Farm

$3,427

$286

State Farm

$3,662

$305

State Farm

$4,651

$388

How to Compare Cheap Dayton Car Insurance Quotes Online

It could take a long time to compare insurers for their rates. A single quote can take up to 15 minutes to obtain when you account for the time needed to input your personal information.

MoneyGeek’s insurance calculator allows you to easily obtain quotes from multiple insurers using only your age, driving history, car model and preferred coverage level.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

Best Car Insurance in Dayton: Summary

Depending on your preferences and needs, the best auto insurer for you will vary. Here are our top picks for the best performers across various categories:

  • Best overall: Cincinnati Insurance (MoneyGeek score of 86 out of 100)
  • Best for service: Cincinnati Insurance (MoneyGeek score of 74 out of 100)
  • Best cheap: Cincinnati Insurance (MoneyGeek score of 86 out of 100)

A company’s MoneyGeek score varied based on the factors weighted in each category. Companies that thrive in all categories, like Erie, combine affordability with top-notch service — it also provides the best car insurance in Ohio. With a rating of 85 out of 100, USAA is another excellent choice if you have military experience.

Best Overall Car Insurance in Dayton

The following are the best car insurance companies in Dayton for a full coverage policy:

  • Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($809 per year)
  • Erie: MoneyGeek score of 83 out of 100 ($544 per year)

Cincinnati Insurance is our top choice due to its affordability and superior customer service. USAA is another excellent option for drivers with a military background. It has a high MoneyGeek score of 85 out of 100 and offers rates for around $447 per year.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

Has excellent customer satisfaction and coverage ratings

Provides unique add-on coverages

cons

Has more expensive policies than the majority of its competitors

Does not offer common discounts

COMPANY HIGHLIGHTS

Although you can get a cheaper rate with a different insurer, Cincinnati Insurance offers exceptional customer service and a fair amount of coverage options.

The insurer offers coverages rarely available with other insurers, like airbag reinstallation and safety restraint benefit coverage. With airbag reinstallation coverage, the insurer will pay to replace your airbag if it accidentally deploys. Safety restraint benefit coverage doubles the coverage you receive if you or a passenger are hurt in an accident while wearing a manufacturer-installed seatbelt or using a child’s safety restraint device.

In addition to these rare coverage offerings, the insurer has more common coverage options like roadside assistance and rental car and/or travel reimbursement coverage. With roadside assistance, you can rest easy knowing that help is available 24/7 if your car breaks down. Rental car and/or travel reimbursement coverage allows you to receive an increased coverage amount of $50 per day up to $1,500 to cover your transportation expenses.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Car Insurance in Dayton for Customer Service

The best auto insurance providers in Dayton for customer service, irrespective of cost, are:

  • Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($809 per year)
  • Erie: MoneyGeek score of 70 out of 100 ($544 per year)

Cincinnati Insurance excels when it comes to customer service and coverage availability. Although it offers superior customer service, its prices are higher than most of its competitors in Dayton.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

Has a high customer satisfaction rating

Has a good claims management record

Offers roadside assistance and gap insurance

cons

Costs more than other insurers

Lacks some common discounts

COMPANY HIGHLIGHTS

Cincinnati Insurance is our top choice for customer service due to its high customer satisfaction rating and fair claims management score. Though expensive, policyholders can choose from a variety of coverage options, like roadside assistance and gap insurance.

Roadside assistance is a 24/7 built-in safety net if your car breaks down. This add-on option increases your covered amount to $250 if roadside assistance is already included in your policy. Gap insurance pays the difference between the value of your car and what you own on your loan or lease if it’s totaled in a covered accident. This is ideal for drivers with loaned or leased vehicles.

Though the insurer’s annual premium costs more than other companies, policyholders can reduce their cost through discounts, including those for having and maintaining an airbag, anti-lock brakes or an anti-theft system.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Cheap Car Insurance in Dayton

The following insurers offer the best minimum coverage in Ohio based on affordability and customer satisfaction ratings:

  • Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($342 per year)
  • Erie: MoneyGeek score of 83 out of 100 ($198 per year)

Minimum coverage policies cost less, but they provide the least amount of protection against liability costs. They also won’t cover damages to your vehicle.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

Offers affordable minimum coverage at $342 per year

Provides good student, multiple car and safe driving discounts

cons

Has an average claims management score

Doesn't offer discounts for defensive driving, airbags, anti-theft or pay-in-full

COMPANY HIGHLIGHTS

Cincinnati Insurance is the best cheap auto insurance in Dayton due to its high customer satisfaction rating and fair amount of coverage options. Although its premiums may not be the cheapest in the city, you can lower your rate by qualifying for some of the insurer’s numerous discounts.

This insurer provides discounts for safe driving, bundling insurance policies, maintaining good grades (only applicable if you’re a student) and insuring multiple cars. However, it does not offer any special discounts like loyalty, legacy, new customer or volunteer discounts that are sometimes available with major insurance companies.

The insurer also offers useful add-on coverages, like glass deductible modification coverage. With this coverage, your deductible for glass replacement will be waived after a covered loss. Child safety seat replacement coverage also pays to replace your child’s safety seat after a covered loss.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Average Cost of Car Insurance in Dayton

The average cost of car insurance in Dayton is $933, the same as the average cost of car insurance in Ohio as of October 2022. Insurance rates in Ohio are $332 less than the national average cost of insurance — $1,265. These rates apply to a full coverage insurance policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Your rate may vary depending on your location, driver profile and coverage needs.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.