Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Cheapest recent rates near Dayton, Ohio
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $45/mo for full coverage in Dayton and other Ohio cities.
*Quotes generated for Insurify users in and around Dayton, Ohio within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dayton, Ohio within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Dayton can expect to pay an average of $167 per month for full-coverage car insurance and $75 for liability-only coverage. The city’s rates are slightly higher than Ohio’s average of $115 but lower than the national average of $160 per month.
With a population of more than 137,000, Dayton is the sixth-most populous city in Ohio. It also has one the highest rates of property crimes compared to nearby cities, which could explain its relatively high price of auto insurance.[1]
Mile Auto, State Farm, and Hugo are the cheapest car insurance companies for Dayton drivers.
Ohio is an at-fault state, meaning the driver who caused the accident is liable for damages.
Insurers in Ohio can consider your credit history when determining your car insurance rate.
Cheapest car insurance companies in Dayton
The cheapest car insurance for one driver may not necessarily be the cheapest option for you, since insurance companies weigh driving factors differently. It’s important to get car insurance quotes from a few companies to make sure they’re not just the cheapest overall but the cheapest for your specific needs.
To help you start your search, below are Insurify’s picks for the best car insurance companies in Dayton. Quotes are based on monthly averages.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$77/mo
State Farm offers the cheapest car insurance rates in Dayton, so it’s perfect for drivers looking to save money. It’s been in business for more than 100 years and also sells other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance.
Drivers won’t have to sacrifice quality for affordability, though, as State Farm has an AM Best financial strength rating of A++ (Superior) and rates in the top 10 in J.D. Power’s 2023 U.S. Customer Service Index.
Pros
High rate of customer satisfaction
Variety of available discounts
Cons
Potentially expensive for drivers with moving violations
There isn't much customer loyalty; discounts are negligible.
Charles - May 15, 2024
Verified
Good but Pricey
The price went up 36% this year and 15% last year, but the coverage is good and the claims seem to be fair. I use insurance that is better than the state requirements.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$41/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$62/mo
Mile Auto is different from most auto insurance companies in that it bases rates on the number of miles you drive. The company claims low-mileage drivers can save up to 40% compared to a standard insurance policy.
This model could benefit Dayton drivers who live downtown as opposed to in outlying neighborhoods like Little Richmond, where residents rely more heavily on their cars and may have longer commutes.
Pros
No telemetric device needed
Predictable base rate plus rate per mile
Cons
Not necessarily less expensive than standard insurance
No available discounts
Best insurer for military members, veterans, and their families: USAA
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$101/mo
USAA offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including bundling, insuring multiple vehicles, living on a military base, and more.
More than 200,000 veterans live in the Dayton area.[2] USAA is well equipped to serve the needs of local military members, past and present, and their families.
Pros
AM Best financial strength rating of A++ (Superior)
Low rates
Cons
Available only to active-duty military, veterans, and their families
I recently sold my Lexus and attempted to remove it from my insurance policy. I was told that I first had to surrender the plates and registration, which I had already done in compliance with Florida law. I believe this should reduce my monthly insurance payment.
Herb - May 14, 2024
Verified
Frustration
It's hard to get them to access my accounts - it's also difficult to set up passwords.
…
Find Cheap Car Insurance in Dayton, Ohio
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How to get the cheapest car insurance in Dayton
Auto insurance companies look at many factors when determining your rates, like your age, ZIP code, vehicle, driving record, and credit score. How much you pay also depends on your coverage and deductibles. Liability-only coverage will cost less than full coverage, and you’ll also pay less if your deductible is higher.
While you can’t control all the factors used to calculate your rates, you can be proactive when it comes to finding the cheapest car insurance in Dayton. Some ways you can secure cheap coverage include:
Select a higher deductible. A higher deductible means a lower premium. Make sure you can afford to pay it out of pocket if you need to file a claim.
Maintain a clean driving record. Drivers with clean records pay the cheapest premiums. Drive responsibly and avoid traffic violations.
Shop around. Compare quotes from at least three car insurance companies before buying a policy. Insurers weigh factors differently. You may find cheaper rates for the same coverage from certain companies.
Cheapest liability-only car insurance in Dayton: Mile Auto
Liability-only car insurance covers you if you cause an accident that injures passengers, other drivers, or pedestrians or if it damages property other than your own. It comprises two coverages Ohio drivers must carry: bodily injury, which pays medical bills for injured people, and property damage, which pays to repair or replace their damaged personal property.
The cheapest insurer for liability-only car insurance in Dayton is Mile Auto, with an average premium of $41 per month. The table below outlines the cheapest liability-only policies for drivers in Dayton.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
41
State Farm
43
Hugo
44
Auto-Owners
50
Erie
50
Safeco
50
GEICO
55
USAA
56
Clearcover
58
American Family
61
Midvale Home & Auto
61
Elephant
63
Nationwide
63
Progressive
70
Commonwealth Casualty
76
Liberty Mutual
80
The General
83
National General
85
Dairyland
88
GAINSCO
89
Allstate
94
Direct Auto
95
CSAA
100
Travelers
101
Farmers
105
State Auto
116
Bristol West
140
Foremost
146
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Dayton: Mile Auto
Whereas liability-only coverage pays to repair or replace other parties’ cars and personal property, full-coverage car insurance also pays for damage to your own passengers and vehicle.
In addition to liability coverage, it includes collision coverage and comprehensive coverage for damage from both accidents involving collision and damage from non-collision events, such as a tree falling on your car, theft, vandalism, or fire.
If you have a car loan on your vehicle, your lender might require you to carry full coverage. Full coverage is also a good idea for anyone who lives in an area with severe weather or high crime rates. Young drivers, who are more likely to have accidents, may also benefit from full coverage.
The cheapest insurer for full-coverage car insurance in Dayton is Mile Auto, with an average cost of $62 per month. Here’s a look at the cheapest full-coverage car insurance rates in Dayton.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
62
State Farm
77
Elephant
90
Erie
90
Safeco
90
Auto-Owners
92
Clearcover
92
GEICO
99
Nationwide
101
USAA
101
Midvale Home & Auto
107
American Family
112
Hugo
122
Progressive
129
Travelers
135
Liberty Mutual
147
Direct Auto
157
GAINSCO
162
National General
169
Allstate
172
The General
172
CSAA
177
Commonwealth Casualty
181
Farmers
191
State Auto
203
Dairyland
227
Bristol West
283
Foremost
311
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Ohio
The state of Ohio requires drivers to be able to show financial responsibility for an accident they cause.[3] Most do that by carrying bodily injury and property damage liability insurance.
Below is the minimum mandatory coverage, according to the Ohio Bureau of Motor Vehicles.[4]
Coverage beyond Ohio’s minimum liability requirements is optional for drivers in Dayton but can offer additional protection in certain situations. You might find several of the following optional car insurance policies worthwhile:
Comprehensive coverage
Comprehensive insurance covers you from non-accident-related incidents that damage your vehicle, like fires or theft.
Collision coverage
If your car requires repairs or a replacement after an accident with another vehicle or object, such as a tree or telephone pole, collision insurance will kick in, no matter who’s at fault.
Uninsured/underinsured motorist coverage
If you get into an accident with an uninsured driver or one who doesn’t have enough insurance to cover the damages, uninsured/underinsured motorist coverage will pay for the difference.
Gap coverage
If you have a car loan, gap insurance can cover the difference between your loan balance and your insurance settlement after your vehicle is deemed a total loss.
Cheapest car insurance for drivers with an incident
An incident is an event reported to your insurance company that could lead the insurer to charge you a surcharge or withdraw discounts you’ve been receiving — either of which effectively increases your rate. Examples include speeding tickets, driving under the influence, and at-fault accidents.
The rate increase reflects your perceived increased risk in the eyes of your insurer. If you have no further incidents, your rate could return to normal after three years, according to the Insurance Information Institute (III). However, the Ohio Department of Insurance notes that some companies keep the rate increase in effect for as long as five years.[5]
It’s important to report an at-fault accident to your insurance agent promptly, despite the risk of a rate increase. Otherwise, your insurance company might refuse to honor your policy in the event you’re sued. Even if you have incidents on your driving record, you can still find affordable car insurance with the right company.
Shop for Car Insurance in Dayton, OH
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Cheapest car insurance for drivers with a speeding ticket: State Farm
If your insurer finds a speeding ticket on your record, it could increase your rate. How much depends on the insurance company and your driving history.
The cheapest insurer for drivers with a speeding ticket in Dayton is State Farm, with an average cost of $56 per month. Here’s what you can expect to pay for auto insurance with a speeding ticket compared to a clean driving record.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
41
58
State Farm
43
56
Hugo
44
61
Auto-Owners
50
66
Erie
50
67
Safeco
50
67
GEICO
55
73
USAA
56
74
Clearcover
58
77
American Family
61
80
Midvale Home & Auto
61
83
Elephant
63
92
Nationwide
63
84
Progressive
70
93
Commonwealth Casualty
76
111
Liberty Mutual
80
116
The General
83
111
National General
85
124
Dairyland
88
117
GAINSCO
89
130
Allstate
94
124
Direct Auto
95
127
CSAA
100
136
Travelers
101
135
Farmers
105
138
State Auto
116
166
Bristol West
140
184
Foremost
146
213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
An at-fault accident is almost certain to raise your auto insurance rates unless you have accident forgiveness. How much your rates go up depends on how serious the accident is and if you have any previous incidents on your record. Premium increases vary by insurer.
State Farm has the cheapest rates for Dayton drivers with at-fault accidents on their records: $59 per month for liability-only coverage. The data below outlines the average cost of auto insurance if you’re in an accident.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
41
62
State Farm
43
59
Hugo
44
59
Auto-Owners
50
68
Erie
50
70
Safeco
50
67
GEICO
55
76
USAA
56
77
Clearcover
58
85
American Family
61
83
Midvale Home & Auto
61
88
Elephant
63
85
Nationwide
63
87
Progressive
70
98
Commonwealth Casualty
76
103
Liberty Mutual
80
120
The General
83
116
National General
85
116
Dairyland
88
121
GAINSCO
89
118
Allstate
94
129
Direct Auto
95
133
CSAA
100
144
Travelers
101
140
Farmers
105
143
State Auto
116
175
Bristol West
140
189
Foremost
146
218
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
Under Ohio law, a driver is considered drunk if their blood alcohol content (BAC) is 0.08% or higher. In addition to three days to six months in jail, a fine of $375 to $1,075, and a license suspension of one to three years, you can expect a hefty insurance rate increase once you’ve gotten your license back and are ready to purchase insurance again.[6]
Dayton drivers with a DUI on their record pay an average of $207 per month for car insurance. You’ll find the cheapest rates with Mile Auto. The table below highlights other affordable insurers in the city for drivers with DUIs.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
41
63
State Farm
43
73
Hugo
44
75
Auto-Owners
50
85
Erie
50
85
Safeco
50
85
GEICO
55
93
USAA
56
95
Clearcover
58
98
American Family
61
103
Midvale Home & Auto
61
103
Elephant
63
107
Nationwide
63
107
Progressive
70
119
Commonwealth Casualty
76
129
Liberty Mutual
80
136
The General
83
141
National General
85
144
Dairyland
88
149
GAINSCO
89
151
Allstate
94
159
Direct Auto
95
161
CSAA
100
170
Travelers
101
171
Farmers
105
178
State Auto
116
197
Bristol West
140
237
Foremost
146
248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Hugo
Drivers enjoy the lowest rates from about age 35 through age 70. After that, rates increase, as older drivers face a higher risk of being seriously injured or killed in an accident.
Senior drivers in Dayton pay an average of $80 per month for car insurance. Hugo offers the cheapest rates in the city. The table below shows some other cheap auto insurance companies for seniors in Dayton.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Hugo
28
77
Mile Auto
28
42
State Farm
30
53
Erie
33
59
Auto-Owners
35
64
Safeco
36
65
GEICO
39
70
USAA
40
72
Clearcover
41
66
Midvale Home & Auto
41
72
American Family
42
78
Nationwide
42
67
Elephant
44
63
Progressive
44
82
Commonwealth Casualty
54
128
Liberty Mutual
56
104
National General
61
121
The General
61
126
Dairyland
63
163
Direct Auto
65
108
GAINSCO
65
118
Allstate
67
123
CSAA
70
124
Travelers
71
94
Farmers
73
132
State Auto
80
139
Bristol West
100
203
Foremost
102
216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers are less mature and less experienced, and as a result, they’re at higher risk of getting into an accident. That high risk translates to high premiums compared to older drivers. You can take certain steps to minimize the effect of your age, though.
Ask your insurer about multi-car and good student discounts, and keep your teenager on the family insurance plan for as long as possible. The most effective step you can take is to compare quotes from multiple insurers and ask questions before agreeing to a policy.
Teen drivers in Dayton pay an average of $212 per month for car insurance. They’ll find the cheapest rates from State Farm. The table below shows some of the cheapest monthly car insurance quotes for teens and young drivers in Dayton.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
72
129
Hugo
76
210
Mile Auto
78
119
Erie
83
149
Auto-Owners
85
156
GEICO
85
153
USAA
92
165
Elephant
103
147
Safeco
103
186
American Family
105
194
Midvale Home & Auto
105
184
Nationwide
106
170
Clearcover
111
177
Progressive
125
230
Commonwealth Casualty
133
317
The General
133
275
Dairyland
146
376
Liberty Mutual
147
270
National General
156
311
GAINSCO
157
286
Allstate
162
297
CSAA
162
287
Direct Auto
171
283
Travelers
179
240
Farmers
183
332
State Auto
203
355
Bristol West
235
476
Foremost
255
543
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Dayton car insurance quotes by credit tier
Insurers in Ohio use your credit score to create credit-based insurance scores to determine how risky a driver is to insure.[7] Drivers with excellent or good credit pay cheaper rates than drivers with poor credit. You can see how much more in the following chart, which shows average monthly prices for full coverage at different credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Dayton?
Dayton drivers pay an average of $121 per month for car insurance, slightly less than the national average.
It’s right in the middle of the pack when it comes to cities in Ohio, however. Cincinnati, Cleveland, and Columbus all have higher rates, while Hamilton, Springfield, and Toledo have cheaper rates.
More cities in Ohio
ZIP code has a major effect on insurance rates. Insurers look at urban versus rural settings, population density, the rates of vandalism and car theft in the area where the car is parked, and whether you park in the street or in a garage, according to the Insurance Information Institute.
Here’s a look at the average quotes for both liability and full-coverage car insurance in other cities in Ohio.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Dayton car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Dayton.
How much is car insurance in Dayton?
On average, car insurance in Dayton costs $167 per month for full coverage and $75 for liability-only insurance. Your exact premium will depend on factors like your location, driving record, age, gender, and credit score.
Which company has the cheapest car insurance in Dayton?
Mile Auto offers the cheapest car insurance rates in Dayton, starting at $41 for liability-only coverage. Dayton drivers can also find cheap rates from State Farm and Hugo, which have liability rates as low as $43 and $44, respectively.
What are the best car insurance companies in Dayton?
Many reliable insurers offer coverage in Dayton, but State Farm, Mile Auto, and USAA stand out as the best car insurance companies. State Farm and USAA both have Insurify Quality (IQ) Scores above 4 (out of 5) and strong ratings from AM Best and J.D. Power. Mile Auto is the best option for infrequent drivers in Dayton, offering pay-per-mile insurance.
How much is car insurance per month in Ohio?
Car insurance in Ohio costs an average of $115 per month for car insurance. Drivers can expect to pay $72 for liability coverage and $157 for full coverage.
What’s the minimum amount of vehicle insurance required by Ohio law?
All Ohio drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.