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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.
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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Drivers in Dayton can expect to pay an average of $167 per month for full-coverage car insurance and $78 for liability-only coverage. The city’s rates are slightly higher than Ohio’s average of $114 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, Hugo, and State Farm 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.
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.
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.
$42/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.
$75/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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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.
$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.
$58/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
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.
$54/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.
$97/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
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
…
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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 $39 per month. The table below outlines the cheapest liability-only policies for drivers in Dayton.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$39
Hugo
$42
State Farm
$42
Auto-Owners
$48
Erie
$48
GEICO
$52
USAA
$54
Safeco
$56
American Family
$60
Midvale Home & Auto
$61
Clearcover
$62
Nationwide
$62
Elephant
$63
Progressive
$68
The General
$77
Commonwealth Casualty
$79
Liberty Mutual
$81
Dairyland
$83
Direct Auto
$88
National General
$91
Allstate
$92
CSAA
$95
GAINSCO
$97
Travelers
$98
Farmers
$102
Root
$119
Bristol West
$122
State Auto
$140
Foremost
$150
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 $58 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$58
State Farm
$75
Auto-Owners
$88
Erie
$88
Elephant
$89
Safeco
$91
GEICO
$95
USAA
$97
Midvale Home & Auto
$104
Clearcover
$106
American Family
$108
Nationwide
$112
Progressive
$124
Liberty Mutual
$150
Hugo
$152
National General
$154
Direct Auto
$155
The General
$162
Allstate
$166
CSAA
$169
Travelers
$180
Root
$182
Farmers
$185
GAINSCO
$186
Commonwealth Casualty
$197
State Auto
$200
Dairyland
$225
Bristol West
$269
Foremost
$335
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.
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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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
$39
$55
Hugo
$42
$59
State Farm
$42
$55
Auto-Owners
$48
$64
Erie
$48
$65
GEICO
$52
$69
USAA
$54
$72
Safeco
$56
$76
American Family
$60
$80
Midvale Home & Auto
$61
$84
Clearcover
$62
$83
Nationwide
$62
$83
Elephant
$63
$92
Progressive
$68
$91
The General
$77
$104
Commonwealth Casualty
$79
$115
Liberty Mutual
$81
$118
Dairyland
$83
$111
Direct Auto
$88
$117
National General
$91
$121
Allstate
$92
$122
CSAA
$95
$129
GAINSCO
$97
$141
Travelers
$98
$131
Farmers
$102
$135
Root
$119
$168
Bristol West
$122
$162
State Auto
$140
$201
Foremost
$150
$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 an at-fault accident: Hugo
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.
Hugo has the cheapest rates for Dayton drivers with at-fault accidents on their records: $56 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
$39
$58
Hugo
$42
$56
State Farm
$42
$58
Auto-Owners
$48
$66
Erie
$48
$68
GEICO
$52
$72
USAA
$54
$75
Safeco
$56
$75
American Family
$60
$83
Midvale Home & Auto
$61
$89
Clearcover
$62
$92
Nationwide
$62
$87
Elephant
$63
$86
Progressive
$68
$96
The General
$77
$109
Commonwealth Casualty
$79
$108
Liberty Mutual
$81
$122
Dairyland
$83
$115
Direct Auto
$88
$125
National General
$91
$127
Allstate
$92
$127
CSAA
$95
$137
GAINSCO
$97
$130
Travelers
$98
$137
Farmers
$102
$141
Root
$119
$175
Bristol West
$122
$167
State Auto
$140
$212
Foremost
$150
$226
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 $210 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
$39
$60
Hugo
$42
$64
State Farm
$42
$72
Auto-Owners
$48
$82
Erie
$48
$82
GEICO
$52
$89
USAA
$54
$92
Safeco
$56
$95
American Family
$60
$102
Midvale Home & Auto
$61
$104
Clearcover
$62
$106
Nationwide
$62
$106
Elephant
$63
$107
Progressive
$68
$116
The General
$77
$131
Commonwealth Casualty
$79
$135
Liberty Mutual
$81
$138
Dairyland
$83
$141
Direct Auto
$88
$150
National General
$91
$155
Allstate
$92
$157
CSAA
$95
$162
GAINSCO
$97
$165
Travelers
$98
$167
Farmers
$102
$174
Root
$119
$203
Bristol West
$122
$208
State Auto
$140
$239
Foremost
$150
$256
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 $82 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Hugo
$27
$97
Mile Auto
$27
$39
State Farm
$29
$53
Erie
$32
$59
Auto-Owners
$34
$62
GEICO
$38
$69
USAA
$39
$70
Safeco
$41
$67
American Family
$42
$76
Midvale Home & Auto
$42
$72
Nationwide
$42
$75
Progressive
$44
$79
Clearcover
$45
$77
Elephant
$45
$64
Commonwealth Casualty
$57
$141
The General
$57
$120
Liberty Mutual
$59
$109
Dairyland
$60
$163
Direct Auto
$62
$108
National General
$64
$109
Allstate
$67
$121
CSAA
$67
$119
Travelers
$69
$128
Farmers
$72
$130
GAINSCO
$73
$140
Bristol West
$88
$195
Root
$89
$136
State Auto
$97
$138
Foremost
$106
$237
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 $218 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$71
$127
Hugo
$73
$264
Mile Auto
$76
$112
Erie
$81
$148
Auto-Owners
$82
$151
GEICO
$82
$150
USAA
$90
$161
Elephant
$104
$147
American Family
$105
$188
Midvale Home & Auto
$105
$179
Nationwide
$106
$192
Safeco
$116
$188
Clearcover
$120
$205
Progressive
$122
$223
The General
$124
$261
Dairyland
$138
$374
Commonwealth Casualty
$139
$347
Liberty Mutual
$149
$275
CSAA
$155
$276
Direct Auto
$160
$282
Allstate
$161
$291
GAINSCO
$172
$329
National General
$175
$297
Travelers
$176
$324
Farmers
$179
$325
Root
$181
$277
Bristol West
$207
$457
State Auto
$248
$354
Foremost
$266
$594
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 $122 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 $78 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 $39 for liability-only coverage. Dayton drivers can also find cheap rates from Hugo and State Farm, which have liability rates as low as $42 and $42, 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 $114 per month for car insurance. Drivers can expect to pay $74 for liability coverage and $155 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.
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State Farm
Mile Auto
USAA
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