Cheapest Auto Insurance in Dayton, Ohio (2026)

Drivers in Dayton can expect to pay an average of $128 per month for full-coverage car insurance and $71 for liability-only coverage. The city’s rates are slightly higher than Ohio’s average of $94 but lower than the national average of $140 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.

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	$77	$43	Affordability
Mile Auto	8.8	$65	$41	Infrequent drivers
USAA	9.1	$99	$56	Military members, veterans, and their families

Disclaimer: Table data sourced from real-time Dayton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dayton may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

Affordability

Compare Quotes

User Reviews	4.0 16,857 reviews
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.	$46/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.	$82/mo

Details

Driver Reviews

4.0

Best choiceBased on 16,857 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 72 Ohio reviews for Dayton driversSee all 7,353 State Farm reviews

Robert

Verified Review

My State Farm Journey

Reviewed in Ohio on April 5, 2026

I've been with State Farm since 1989, so they must be doing something right.

Paula

Verified Review

Car Insurance

Reviewed in Ohio on March 24, 2026

Good experience so far.

Randy

Verified Review

I shopped around and found that I was paying a lot. Despite having no claims, my rates kept going up.

Reviewed in Ohio on March 22, 2026

I shopped around and found that I was paying a lot. Despite having no claims, my rates kept going up.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

665

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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).

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

Infrequent Drivers

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User Reviews	4.5 195 reviews
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.	8.8 /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.	$44/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.	$69/mo

Details

Driver Reviews

4.5

Best choiceBased on 195 verified driver reviews and ratings

	Mile Auto's score	Industry average
Coverage options	4.1	3.2
Customer service	3.4	3.6
Discounts	4.1	2.9
Policy transparency	4.0	3.1
Value	4.1	2.9

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

---

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing 3 Ohio reviews for Dayton driversSee all 66 Mile Auto reviews

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

Cheryl

Verified Purchase

We are so glad we chose MileAuto

Reviewed in Ohio on December 10, 2025

Really meets our needs now that we have retired and drive very little. Good service with nice people. It's easy to do our monthly check-in, and they always send the statement several days before they draft the payment. Recommend them highly.

Monica Jo

Verified Review

Inexpensive, but No Full Coverage

Reviewed in Ohio on June 22, 2025

If you drive a lot, this isn't the insurance for you! They charge per mile.

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

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

Why 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

Military Members, Veterans, and Their Families

Compare Quotes

User Reviews	4.9 3,378 reviews
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.	9.1 /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.	$59/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.	$105/mo

Details

Driver Reviews

4.9

Best choiceBased on 3,378 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

---

Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing recent national reviewsSee all 1,524 USAA reviews

Cheryl

Verified Review

Rates Jump

Reviewed in Michigan on April 9, 2026

I have not been impressed. I have had coverage with them for over 5 years, and the rates just keep going up.

Jon

Verified Review

USAA

Reviewed in Michigan on April 8, 2026

Excellent except for the rising cost.

Laura

Verified Review

Great company, seems like premiums are a bit high in NJ

Reviewed in Florida on April 6, 2026

Very good, however, the premiums are high. I haven’t looked at premiums for quite some time though.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

726

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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).

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 $44 for liability coverage

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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:

• 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 $44 per month. The table below outlines the cheapest liability-only policies for drivers in Dayton.

The below rates in Dayton, OH, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$44
State Farm	$46
Progressive	$52
Auto-Owners	$53
Erie	$53
GEICO	$57
USAA	$59
Commonwealth Casualty	$60
Certainly	$62
Safeco	$62
The General	$62
American Family	$66
Nationwide	$68
Trexis	$72
AssuranceAmerica	$74
Trexis One	$77
First Acceptance	$82
Elephant	$83
Direct Auto	$85
GAINSCO	$87
CSAA	$88
Clearcover	$89
Bristol West	$90
Dairyland	$95
Root	$96
Allstate	$100
National General	$101
Liberty Mutual	$107
Liberty Mutual	$107
Travelers	$109
Farmers	$112
State Auto	$154

Disclaimer: Table data sourced from real-time Dayton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dayton 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 $69 per month. Here’s a look at the cheapest full-coverage car insurance rates in Dayton.

The below rates in Dayton, OH, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$69
State Farm	$82
Erie	$95
Auto-Owners	$96
Safeco	$100
GEICO	$103
Progressive	$103
USAA	$105
American Family	$117
CSAA	$120
Direct Auto	$120
Nationwide	$121
Elephant	$129
AssuranceAmerica	$138
Certainly	$143
The General	$146
National General	$149
Root	$160
Commonwealth Casualty	$161
Liberty Mutual	$179
Liberty Mutual	$179
Allstate	$180
Trexis	$181
Clearcover	$182
Travelers	$195
Farmers	$200
GAINSCO	$200
Bristol West	$203
Trexis One	$216
Dairyland	$223
First Acceptance	$223
State Auto	$276

Disclaimer: Table data sourced from real-time Dayton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dayton 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 $53 for drivers with an incident

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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 $55 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 in Dayton, OH, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Mile Auto	$44	$55
State Farm	$46	$60
Progressive	$52	$68
Auto-Owners	$53	$71
Erie	$53	$71
GEICO	$57	$76
USAA	$59	$78
Certainly	$62	$81
Safeco	$62	$83
The General	$62	$85
American Family	$66	$87
Nationwide	$68	$90
Trexis	$72	$94
AssuranceAmerica	$74	$96
Trexis One	$77	$101
Elephant	$83	$102
GAINSCO	$87	$106
First Acceptance	$82	$107
Direct Auto	$85	$109
Bristol West	$90	$116
Clearcover	$89	$116
CSAA	$88	$118
Dairyland	$95	$121
Root	$96	$131
Allstate	$100	$133
Liberty Mutual	$107	$139
Liberty Mutual	$107	$139
Travelers	$109	$144
Farmers	$112	$147
State Auto	$154	$209

Disclaimer: Table data sourced from real-time Dayton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dayton 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: $61 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 in Dayton, OH, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Mile Auto	$44	$61
State Farm	$46	$62
Auto-Owners	$53	$72
Progressive	$52	$72
Erie	$53	$72
GEICO	$57	$77
USAA	$59	$81
Certainly	$62	$86
The General	$62	$87
Safeco	$62	$88
American Family	$66	$91
Nationwide	$68	$94
Trexis	$72	$100
AssuranceAmerica	$74	$101
Trexis One	$77	$107
Elephant	$83	$111
First Acceptance	$82	$114
GAINSCO	$87	$114
Direct Auto	$85	$119
Bristol West	$90	$122
Dairyland	$95	$129
Clearcover	$89	$130
Root	$96	$132
CSAA	$88	$134
Allstate	$100	$137
Liberty Mutual	$107	$146
Liberty Mutual	$107	$146
Travelers	$109	$151
Farmers	$112	$153
State Auto	$154	$215

Disclaimer: Table data sourced from real-time Dayton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dayton 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 $142 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 in Dayton, OH, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Mile Auto	$44	$63
State Farm	$46	$66
Progressive	$52	$74
Erie	$53	$76
Auto-Owners	$53	$76
GEICO	$57	$81
USAA	$59	$84
The General	$62	$85
Certainly	$62	$88
Safeco	$62	$94
American Family	$66	$94
Nationwide	$68	$97
Trexis	$72	$102
AssuranceAmerica	$74	$106
Trexis One	$77	$109
First Acceptance	$82	$116
Elephant	$83	$119
Direct Auto	$85	$122
GAINSCO	$87	$124
CSAA	$88	$126
Clearcover	$89	$127
Bristol West	$90	$129
Dairyland	$95	$136
Root	$96	$138
Allstate	$100	$143
Liberty Mutual	$107	$153
Liberty Mutual	$107	$153
Travelers	$109	$156
Farmers	$112	$160
State Auto	$154	$210

Disclaimer: Table data sourced from real-time Dayton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dayton 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 $87 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 in Dayton, OH, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Mile Auto	$35	$55
State Farm	$36	$65
Erie	$41	$73
Auto-Owners	$42	$76
Progressive	$45	$89
GEICO	$45	$82
USAA	$48	$85
Nationwide	$52	$93
American Family	$53	$94
The General	$53	$125
Certainly	$54	$124
Safeco	$54	$87
AssuranceAmerica	$58	$108
Trexis	$62	$157
Trexis One	$67	$187
Elephant	$68	$106
Direct Auto	$70	$98
CSAA	$71	$97
First Acceptance	$71	$193
GAINSCO	$74	$171
Bristol West	$75	$170
Clearcover	$79	$162
Root	$81	$134
Dairyland	$81	$189
Allstate	$81	$146
Travelers	$87	$156
Farmers	$89	$159
Liberty Mutual	$89	$149
Liberty Mutual	$89	$149
State Auto	$117	$210

Disclaimer: Table data sourced from real-time Dayton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dayton may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

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 $213 per month for car insurance. They’ll find the cheapest rates from Mile Auto. The table below shows some of the cheapest monthly car insurance quotes for teens and young drivers in Dayton.

The below rates in Dayton, OH, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$97	$172
Mile Auto	$98	$153
Erie	$106	$190
Progressive	$111	$219
GEICO	$112	$203
Auto-Owners	$116	$210
USAA	$118	$211
The General	$121	$284
Certainly	$132	$304
American Family	$135	$240
Safeco	$136	$219
Nationwide	$143	$255
Trexis	$153	$385
Elephant	$160	$249
Clearcover	$160	$328
CSAA	$160	$219
Trexis One	$164	$459
AssuranceAmerica	$165	$307
GAINSCO	$170	$391
Bristol West	$174	$392
First Acceptance	$174	$474
Direct Auto	$178	$252
Dairyland	$180	$422
Root	$182	$304
Liberty Mutual	$204	$342
Liberty Mutual	$204	$342
Allstate	$214	$385
Farmers	$241	$431
Travelers	$244	$437
State Auto	$399	$715

Disclaimer: Table data sourced from real-time Dayton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dayton 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.

Is car insurance more expensive in Dayton?

Dayton drivers pay an average of $100 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	$79	$143
Cleveland	$79	$148
Columbus	$85	$151
Hamilton	$73	$128
Springfield	$63	$106
Toledo	$84	$142

Disclaimer: Table data sourced from real-time Dayton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dayton may vary based on the policy buyer's unique driver profile.

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