Cheapest Auto Insurance in Dayton, Ohio (2024)
Mile Auto offers the cheapest car insurance in Dayton, with minimum-coverage policies as low as $36 per month.
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Written byDaria Kelly Uhlig
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Licensed Realtor with 10+ years in personal finance content
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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.
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Edited byDanny Smith
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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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Updated November 20, 2024
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Table of contents
Drivers in Dayton can expect to pay an average of $137 per month for full-coverage car insurance and $76 for liability-only coverage. The city’s rates are slightly higher than Ohio’s average of $102 but lower than the national average of $154 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]
With varying rates, it’s important to compare car insurance quotes from multiple insurers.
Quick Facts
Mile Auto, State Farm, and Auto-Owners 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $38 | Affordability |
| Mile Auto | 7.5 | $46 | $35 | Infrequent drivers |
| USAA | 9.4 | $87 | $50 | Military members, veterans, and their families |
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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordability: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $39/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. | $70/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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).
A++Why we picked this company
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
Gap insurance not available
Best insurer for infrequent drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| 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. | $36/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. | $48/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
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
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| 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. | $52/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. | $89/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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).
A++Why we picked this company
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
No 24/7 customer service by phone
Find Cheap Car Insurance in Dayton, Ohio
Rates start at $36 for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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:
Apply for discounts. Insurance companies usually offer various discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.
Bundle your home and auto insurance policies. Many insurers offer discounts if you bundle your car insurance with homeowners, renters, or life insurance.
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 $36 per month. The table below outlines the cheapest liability-only policies for drivers in Dayton.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $36 |
| State Farm | $39 |
| Auto-Owners | $47 |
| Erie | $47 |
| GEICO | $51 |
| USAA | $52 |
| American Family | $57 |
| Nationwide | $59 |
| Safeco | $61 |
| Progressive | $65 |
| Root | $67 |
| The General | $69 |
| Commonwealth Casualty | $80 |
| CSAA | $84 |
| Dairyland | $85 |
| Clearcover | $86 |
| Allstate | $87 |
| Direct Auto | $88 |
| National General | $95 |
| Travelers | $95 |
| Farmers | $98 |
| Bristol West | $99 |
| GAINSCO | $105 |
| Liberty Mutual | $108 |
| State Auto | $135 |
| Foremost | $149 |
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 $48 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $48 |
| State Farm | $70 |
| Auto-Owners | $81 |
| Erie | $81 |
| GEICO | $88 |
| USAA | $89 |
| American Family | $100 |
| Safeco | $100 |
| Nationwide | $103 |
| Progressive | $114 |
| Root | $114 |
| Direct Auto | $137 |
| CSAA | $139 |
| The General | $142 |
| National General | $143 |
| Allstate | $153 |
| Clearcover | $163 |
| Travelers | $165 |
| Farmers | $169 |
| Liberty Mutual | $184 |
| Commonwealth Casualty | $205 |
| GAINSCO | $212 |
| Dairyland | $213 |
| Bristol West | $230 |
| State Auto | $235 |
| Foremost | $332 |
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 recent rates near Dayton, Ohio
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $32/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 November 20, 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 November 20, 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 November 20, 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 November 20, 2024. 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 ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
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
Rates start at $45 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
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 Mile Auto, with an average cost of $48 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Mile Auto | $36 | $48 |
| State Farm | $39 | $51 |
| Auto-Owners | $47 | $63 |
| Erie | $47 | $64 |
| GEICO | $51 | $68 |
| USAA | $52 | $69 |
| American Family | $57 | $76 |
| Nationwide | $59 | $79 |
| Safeco | $61 | $82 |
| Progressive | $65 | $86 |
| Root | $67 | $96 |
| The General | $69 | $94 |
| Commonwealth Casualty | $80 | $115 |
| CSAA | $84 | $114 |
| Dairyland | $85 | $113 |
| Clearcover | $86 | $115 |
| Allstate | $87 | $116 |
| Direct Auto | $88 | $117 |
| National General | $95 | $127 |
| Travelers | $95 | $128 |
| Farmers | $98 | $130 |
| Bristol West | $99 | $133 |
| GAINSCO | $105 | $150 |
| Liberty Mutual | $108 | $155 |
| State Auto | $135 | $193 |
| Foremost | $149 | $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: Mile Auto
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.
Mile Auto has the cheapest rates for Dayton drivers with at-fault accidents on their records: $51 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Mile Auto | $36 | $51 |
| State Farm | $39 | $53 |
| Auto-Owners | $47 | $65 |
| Erie | $47 | $66 |
| GEICO | $51 | $70 |
| USAA | $52 | $71 |
| American Family | $57 | $78 |
| Nationwide | $59 | $82 |
| Safeco | $61 | $83 |
| Progressive | $65 | $90 |
| Root | $67 | $98 |
| The General | $69 | $96 |
| Commonwealth Casualty | $80 | $107 |
| CSAA | $84 | $119 |
| Dairyland | $85 | $116 |
| Clearcover | $86 | $127 |
| Allstate | $87 | $119 |
| Direct Auto | $88 | $123 |
| National General | $95 | $130 |
| Travelers | $95 | $131 |
| Farmers | $98 | $134 |
| Bristol West | $99 | $136 |
| GAINSCO | $105 | $138 |
| Liberty Mutual | $108 | $158 |
| State Auto | $135 | $201 |
| Foremost | $149 | $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 $177 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Mile Auto | $36 | $60 |
| State Farm | $39 | $65 |
| Auto-Owners | $47 | $78 |
| Erie | $47 | $78 |
| GEICO | $51 | $85 |
| USAA | $52 | $86 |
| American Family | $57 | $95 |
| Nationwide | $59 | $98 |
| Safeco | $61 | $94 |
| Progressive | $65 | $108 |
| Root | $67 | $100 |
| The General | $69 | $115 |
| Commonwealth Casualty | $80 | $133 |
| CSAA | $84 | $126 |
| Dairyland | $85 | $141 |
| Clearcover | $86 | $143 |
| Allstate | $87 | $144 |
| Direct Auto | $88 | $146 |
| National General | $95 | $158 |
| Travelers | $95 | $158 |
| Farmers | $98 | $163 |
| Bristol West | $99 | $164 |
| GAINSCO | $105 | $174 |
| Liberty Mutual | $108 | $179 |
| State Auto | $135 | $224 |
| Foremost | $149 | $247 |
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: Mile Auto
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 $76 per month for car insurance. Mile Auto 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Mile Auto | $25 | $34 |
| State Farm | $28 | $50 |
| Erie | $33 | $57 |
| Auto-Owners | $34 | $59 |
| GEICO | $38 | $65 |
| USAA | $39 | $66 |
| American Family | $41 | $73 |
| Nationwide | $41 | $71 |
| Progressive | $43 | $76 |
| Safeco | $49 | $80 |
| Root | $52 | $89 |
| The General | $52 | $107 |
| CSAA | $59 | $98 |
| Commonwealth Casualty | $59 | $152 |
| Dairyland | $63 | $158 |
| Direct Auto | $64 | $99 |
| Allstate | $65 | $114 |
| National General | $67 | $101 |
| Clearcover | $69 | $131 |
| Travelers | $69 | $120 |
| Farmers | $71 | $122 |
| Bristol West | $74 | $171 |
| GAINSCO | $82 | $166 |
| Liberty Mutual | $84 | $144 |
| State Auto | $93 | $162 |
| Foremost | $111 | $247 |
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 $203 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $71 | $128 |
| Mile Auto | $74 | $98 |
| Auto-Owners | $84 | $145 |
| Erie | $84 | $144 |
| GEICO | $87 | $150 |
| USAA | $93 | $159 |
| American Family | $105 | $184 |
| Root | $107 | $182 |
| Nationwide | $109 | $191 |
| The General | $117 | $241 |
| Progressive | $121 | $212 |
| Safeco | $124 | $203 |
| CSAA | $144 | $238 |
| Dairyland | $146 | $366 |
| Commonwealth Casualty | $147 | $376 |
| Allstate | $164 | $289 |
| Clearcover | $167 | $317 |
| Direct Auto | $170 | $265 |
| Bristol West | $177 | $412 |
| Farmers | $182 | $314 |
| Travelers | $182 | $316 |
| GAINSCO | $193 | $389 |
| Liberty Mutual | $197 | $336 |
| National General | $197 | $297 |
| State Auto | $254 | $443 |
| Foremost | $281 | $626 |
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 $106 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.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Cincinnati | $84 | $152 |
| Cleveland | $84 | $153 |
| Columbus | $90 | $150 |
| Hamilton | $78 | $132 |
| Springfield | $63 | $116 |
| Toledo | $91 | $159 |
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 $137 per month for full coverage and $76 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 $36 for liability-only coverage. Dayton drivers can also find cheap rates from State Farm and Auto-Owners, which have liability rates as low as $39 and $47, 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 $102 per month for car insurance. Drivers can expect to pay $73 for liability coverage and $131 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
- 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.
Related articles
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Sources
- Data Commons. "Dayton."
- Spectrum News 1. "Dayton Veterans organization receives national VA award."
- Nolo. "Ohio Car Insurance Laws, Regulations, and Requirements."
- Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
- Ohio Department of Insurance. "Automobile Insurance Guide."
- Nolo. "DUI/OVI Laws in Ohio."
- Ohio Department of Insurance. "How Credit Information Can Impact Insurance Premium Amounts."
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Daria Kelly Uhlig
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.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
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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