How to find the cheapest car insurance in Dayton
On average, auto insurance in Dayton costs about $50 per month for minimum coverage liability insurance, and about $112 per month for full coverage insurance.
Smart car insurance shoppers in Dayton, Ohio come to Jerry every month because Jerry makes it easy for customers to compare and buy car insurance policies. Below are some cheapest car insurance quotes Jerry found for our Dayton customers.
| Coverage type | Dayton, OH | Ohio | United States |
|---|---|---|---|
| State minimum | $50 | $49 | $77 |
| Full coverage | $112 | $106 | $165 |
Best car insurance companies in Dayton
There is no single best car insurance company for everyone. The most important reason is that every customer gets different car insurance quotes based on their profile—so the most affordable company is different for everyone.
Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.
The results: Some of the best auto insurance companies in Dayton are State Auto, Kemper, and Allstate. These insurers not only scored high in terms of customer service, but for affordable rates as well.
| Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry score |
|---|---|---|---|---|
| State Auto | $38 | $133 | 4.3 | 4.4 |
| Kemper | $40 | $85 | 4.5 | 4.2 |
| Progressive | $42 | $107 | 3.8 | 4.2 |
| Travelers | $42 | $100 | 4.2 | 4.5 |
| Safeco | $44 | $92 | 4.2 | 4.4 |
| Gainsco | $48 | $148 | 4.1 | N/A |
| Nationwide | $49 | $96 | 4.0 | 4.2 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Dayton
Ohio has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Dayton and gives you the cheapest rate. But minimum liability often isn’t enough coverage—you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Dayton
In order to legally hit the road, Dayton drivers need to meet Ohio minimum coverage limits for bodily injury liability and property damage liability.
In Ohio, drivers are subject to minimum car insurance coverage requirements, which include the following liability insurance limits:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000 per accident
These liability coverages are commonly referred to as 25/50/25 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
These providers offer affordable minimum liability coverage to Jerry users:
| Insurance company | Monthly minimum coverage cost |
|---|---|
| State Auto | $38 |
| Allstate | $41 |
| Progressive | $42 |
| Gainsco | $48 |
| Nationwide | $49 |
| National General | $56 |
Do you need more than minimum coverage in Dayton?
Most drivers in Dayton need higher liability coverage than the 25/50/25 state minimum mandated by Ohio car insurance laws.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs far exceeding these minimum limits, especially if you cause serious injuries to another person. If another driver’s car is totaled, the cost to replace it could be more than $40,000—well above that minimum $25,000 property damage limit.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage as well as full coverage.
Cheap full coverage car insurance quotes in Dayton
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your car.
Full coverage includes comprehensive and collision coverage:
- Collision coverage covers the cost of fixing or replacing your car after an accident.
- Comprehensive coverage pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your lender will require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
Jerry has found affordable full coverage quotes for customers in Dayton.
| Insurance company | Monthly full coverage cost |
|---|---|
| Safeco | $92 |
| Nationwide | $96 |
| National General | $93 |
| Travelers | $100 |
| AAA | $106 |
| Progressive | $107 |
| Clearcover | $123 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Dayton by zip code
Drivers who park their vehicles in one part of Columbus could pay different rates than drivers who park in another area of the city.
That’s because insurance companies may label certain areas as “high-risk” due to more frequent vehicle thefts or a higher number of insurance claims.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 45402 | $91 | $157 |
| 45403 | $74 | $122 |
| 45404 | $85 | $172 |
| 45406 | $85 | $145 |
| 45410 | $72 | $144 |
| 45414 | $62 | $136 |
| 45415 | $44 | $209 |
| 45416 | $76 | $117 |
| 45417 | $41 | $128 |
| 45419 | $60 | $131 |
| 45420 | $75 | $142 |
| 45424 | $67 | $134 |
| 45426 | $113 | $119 |
| 45429 | $68 | $126 |
| 45439 | $60 | $103 |
| 45449 | $65 | $94 |
Car insurance quotes in Dayton by rating factors
Insurance companies in Dayton use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a n/liseighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.
Cheap car insurance quotes in Dayton after driving violations
Your Ohio driving history impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Dayton after speeding ticket
In Dayton, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with varying speeding tickets save on car insurance.
| MPH over limit | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| 6-10 | $101 | 20% |
| 11-15 | $122 | 34% |
| 21+ | $183 | 56% |
Cheapest car insurance in Dayton after DUI
In Dayton, a DUI violation can increase your insurance rate. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Dayton drivers obtain affordable auto insurance rates after a DUI, which you may need because here’s how much your insurance can increase after one DUI in Ohio.
| Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| DUI | $159 | 49% |
Cheapest car insurance in Dayton after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history.
Ohio is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Here’s how much you can expect to pay after an at-fault collision.
| Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| At-fault accident | $105 | 23% |
Cheapest car insurance in Dayton after other driving violations
In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your in car insurance costs to increase in Dayton.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
| Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| Following too closely | $89 | 9% |
| Careless driving | $109 | 26% |
| Failure to obey signal | $122 | 34% |
| Driving left of center | $205 | 60% |
Cheap car insurance quotes in Dayton by age
Young drivers pay very high insurance rates due to limited driving experience. Rates tend to drop around the age of 25 and increase again mid-70s.
Cheapest car insurance in Dayton for young drivers
Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Dayton. For teen car owners that drive a newer car, full coverage would afford better financial protection as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.
This table shows how much Dayton drivers between 18 and 25 pay for minimum liability and full coverage car insurance.
| Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 18–21 | $144 | $215 |
| 22–25 | $95 | $167 |
Cheapest car insurance in Dayton for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+.
| Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 26-34 | $68 | $126 |
| 35-44 | $55 | $101 |
| 45-54 | $49 | $89 |
Cheapest car insurance in Dayton for senior drivers
Car insurance rates start to rise once you get into your mid-70s. Car insurance rates for seniors tend to be higher due to several reasons. Older drivers are more susceptible to being involved in accidents and more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.
Here’s what Dayton drivers pay on average for full coverage and minimum liability insurance once they reach 55 and older.
| Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 55-64 | $41 | $70 |
| 65+ | $51 | $77 |
Cheap car insurance quotes in Dayton based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in your insurance coverage usually leads to an increase in car insurance rates.
To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
| Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| With coverage lapses | $94 | 14% |
Cheap car insurance quotes in Dayton for drivers with poor credit
Drivers with poor credit scores are statistically more likely to file claims, which can result in higher rates from insurance providers.
If you’re struggling with bad credit: By taking what steps you can to build good credit over time, you could find even more savings on car insurance in the future.
Our data shows that the average car insurance rate for the highest credit bracket (over 750) is almost 20% higher than the average cost for people with lower credit scores (under 550).
Here are the average car insurance costs for Dayton drivers based on their credit rating:
| Credit score | Monthly minimum coverage cost |
|---|---|
| 601–699 | $78 |
| 700+ | $46 |
Cheap car insurance quotes in Dayton for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Dayton include:
| Vehicle | Monthly minimum coverage cost |
|---|---|
| Ford F-150 | $48 |
| Chevrolet Equinox | $73 |
| Chevrolet Silverado 1500 | $181 |
| Ram 1500 | $58 |
| Ford Escape | $79 |
How to lower car insurance costs in Dayton
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
Learn more: 11 ways to lower car insurance
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
-
What is the best car insurance in Dayton?
-
What is the minimum car insurance in Dayton, Ohio?
-
How much is car insurance in Dayton?
-
What is the cheapest car insurance in Dayton?
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
