120+ more*Quotes generated for Insurify users in and around Dayton, Ohio within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dayton, Ohio within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Dayton drivers pay an average monthly rate of $64 for state-minimum coverage and $118 for full-coverage car insurance. Dayton’s average car insurance costs are usually less expensive than in Toledo, which is larger and has a higher accident rate. But Dayton is more expensive than less-populated Ohio cities like Springfield.
The Wright-Patterson Air Force Base, located northeast of Dayton, could be one of many factors affecting the city’s average car insurance rates. WPAFB is one of the largest bases in the U.S. Air Force and may lead to higher traffic density in Dayton.
Dayton drivers pay an average of $64 per month for liability-only coverage. Liability insurance is usually cheaper than full coverage, but it covers only the other driver’s medical bills and damages.
Like most states, Ohio has minimum car insurance requirements that all drivers must meet. You need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $25,000 of property damage liability coverage.[1]
The following table shows the best companies for cheap liability car insurance in Dayton.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Mile Auto | $36 |
| State Farm | $36 |
| Progressive | $41 |
| Auto-Owners | $42 |
| Erie | $42 |
| Commonwealth Casualty | $47 |
| GEICO | $47 |
| USAA | $47 |
| Safeco | $49 |
| The General | $49 |
| Certainly | $51 |
| American Family | $52 |
| Nationwide | $54 |
| AssuranceAmerica | $58 |
| Trexis | $58 |
| Trexis One | $62 |
| First Acceptance | $64 |
| Elephant | $66 |
| Direct Auto | $68 |
| GAINSCO | $69 |
| Clearcover | $71 |
| Bristol West | $72 |
| Dairyland | $76 |
| Root | $77 |
| Allstate | $80 |
| National General | $80 |
| CSAA | $82 |
| Liberty Mutual | $86 |
| Travelers | $87 |
| Farmers | $90 |
| State Auto | $124 |
Get covered in minutes with a low initial payment
Drivers in Dayton pay an average of $118 per month for full-coverage auto insurance.
Ohio experienced 1,414 tornadoes between 1950 and 2023, averaging about 19 tornadoes annually.[2] A direct hit could total your vehicle, and liability-only coverage wouldn’t pay for the damages. You may want to consider full coverage for protection against severe weather.
The following table shows the cheapest full-coverage car insurance rates in Dayton.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Mile Auto | $54 |
| State Farm | $63 |
| Erie | $73 |
| Auto-Owners | $74 |
| Progressive | $77 |
| Safeco | $78 |
| GEICO | $80 |
| USAA | $81 |
| American Family | $90 |
| Direct Auto | $93 |
| CSAA | $94 |
| Nationwide | $94 |
| Elephant | $101 |
| AssuranceAmerica | $108 |
| Certainly | $111 |
| The General | $112 |
| National General | $115 |
| Commonwealth Casualty | $122 |
| Root | $125 |
| Liberty Mutual | $138 |
| Allstate | $139 |
| Trexis | $139 |
| Clearcover | $140 |
| Travelers | $150 |
| GAINSCO | $153 |
| Farmers | $154 |
| Bristol West | $157 |
| Trexis One | $168 |
| Dairyland | $171 |
| First Acceptance | $171 |
| State Auto | $212 |
Columbus is the most expensive city in Ohio for car insurance, while Springfield is usually the cheapest. Dayton is somewhere in the middle, falling below some of Ohio’s largest metro areas like Cincinnati, Cleveland, and Columbus. These larger cities have a higher population density, which increases the risk of accidents.
That said, Dayton is in Montgomery County, which has a relatively high auto theft rate. More thefts drive up car insurance rates because it increases the chance you’ll file a claim.
The following table shows the average monthly rates for different Ohio cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Canton | $84 |
| Cincinnati | $102 |
| Cleveland | $104 |
| Columbus | $108 |
| Dayton | $91 |
| Hamilton | $90 |
| Springfield | $77 |
| Toledo | $103 |
*Quotes generated for Insurify users in and around Dayton, Ohio within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dayton, Ohio within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record is one of the main factors determining how much you pay for car insurance. Here are the most affordable car insurance companies in Dayton for different drivers:
Cheapest car insurance for Dayton drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Dayton: State Farm
Cheapest car insurance for Dayton drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a OVI in Dayton: State Farm
In Dayton, 6% of drivers have a speeding ticket on their record, 5% have caused an accident, and 1% have an operating a vehicle impaired (OVI) conviction, according to Insurify data.
The Montgomery County Sheriff’s Office created the Operating a Vehicle Impaired (OVI) task force to reduce the number of alcohol-related crashes, injuries, and deaths. The task force regularly sets up sobriety checkpoints to catch anyone driving under the influence.[3]
The table below shows how average car insurance costs vary by driving record in Dayton.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $91 |
| Speeding ticket | $119 |
| At-fault accident | $127 |
| OVI | $131 |
Driving in Dayton can be easier compared to larger metro areas, but there are still some things to be aware of. Construction has changed traffic patterns and closed ramps along Interstate 75.[4] The city is also in the process of making major improvements to Salem Avenue and Keowee Street.[5]
Traffic can clog downtown Dayton, especially in areas like Oregon and the central business districts. Parking downtown is relatively easy and inexpensive. The city offers a parking app, so you don’t have to worry about finding change for the meter. You’ll also receive alerts when your parking session is almost up.
Severe weather is another factor you’ll need to consider when driving in Dayton. The city can experience significant snow and ice, which can create slick road conditions. The city has protocols in place for removing snow and ice, but it can still make your daily commute a challenge.
Dayton’s traffic is relatively light compared to other cities, with an average commute time of 20 minutes, according to the Dayton Area Chamber of Commerce.[6] But I-70 and I-75 intersect in Dayton and experience steady traffic.
Congestion can increase the risk of accidents, which can push up car insurance rates. Severe weather and construction can also lead to more accidents.
Teen drivers in Dayton pay a monthly average of $194 for car insurance. Young drivers pay some of the highest car insurance rates because they tend to have riskier driving habits.
Inexperienced drivers account for a significant share of fatal teen crashes in Dayton — 49% of at-fault teenage drivers had their license for 12 months or less, and 34% had no driving education.[7] That’s why Ohio has implemented graduated licensing (GDL) laws to keep teens safe on the road.[8] The GDL program restricts when teens can drive and how many passengers they can have in the car.
The following table shows the cheapest rates for teenage drivers in Dayton, according to Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $76 |
| Mile Auto | $80 |
| Erie | $84 |
| Progressive | $87 |
| Auto-Owners | $92 |
| GEICO | $92 |
| USAA | $94 |
| Commonwealth Casualty | $95 |
| The General | $96 |
| American Family | $107 |
| Safeco | $107 |
| Certainly | $109 |
| Nationwide | $114 |
| Trexis | $123 |
| Clearcover | $128 |
| Elephant | $128 |
| AssuranceAmerica | $129 |
| Trexis One | $132 |
| GAINSCO | $134 |
| First Acceptance | $136 |
| Bristol West | $139 |
| Direct Auto | $143 |
| Dairyland | $144 |
| Root | $146 |
| Liberty Mutual | $164 |
| Allstate | $171 |
| CSAA | $171 |
| National General | $173 |
| Farmers | $194 |
| Travelers | $195 |
| State Auto | $321 |
Compare rates from the city’s top insurers and save money in minutes
Dayton has a growing senior population, and 14% of its residents are aged 65 or older.[9] Older drivers pay an average of $79 per month for car insurance.
Senior drivers tend to drive less and have safer habits behind the wheel, which lowers their rates. The following table shows the cheapest rates for senior drivers in Dayton.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $28 |
| Mile Auto | $28 |
| Erie | $32 |
| Auto-Owners | $33 |
| Progressive | $35 |
| GEICO | $37 |
| Commonwealth Casualty | $38 |
| USAA | $38 |
| Nationwide | $41 |
| American Family | $42 |
| The General | $42 |
| Safeco | $43 |
| Certainly | $44 |
| AssuranceAmerica | $45 |
| Trexis | $50 |
| Trexis One | $54 |
| Elephant | $54 |
| First Acceptance | $55 |
| Direct Auto | $56 |
| GAINSCO | $59 |
| Bristol West | $60 |
| National General | $63 |
| Clearcover | $63 |
| CSAA | $64 |
| Root | $64 |
| Dairyland | $65 |
| Allstate | $65 |
| Travelers | $70 |
| Farmers | $71 |
| Liberty Mutual | $72 |
| State Auto | $94 |
Below, you’ll find the answers to some common questions about cheap car insurance in Dayton.
Car insurance in Dayton costs an average of $91 per month, according to Insurify data. Liability-only coverage averages $64 monthly, and full coverage costs an average of $118 per month. But your rate depends on many factors, including your ZIP code, credit history, and the coverage you choose.
State Farm has the cheapest car insurance in Dayton, with liability rates averaging $36 per month. Your personal rates can vary based on many factors, like your age, driving record, and the car you drive.
The average cost of car insurance in Ohio is $91 per month, according to Insurify data. That’s lower than the national average of $142 per month. Comparing quotes from different insurers is the easiest way to save money on your car insurance.
Construction projects, interstate traffic, and severe weather all affect the cost of car insurance in Dayton. Dangerous driving conditions increase the risk of an accident, so insurers typically charge more to offset that risk. Personal details like your location, age, marital status, and vehicle type also influence how much you pay for car insurance.
Yes. Many companies offer car insurance discounts in Dayton. Most insurers offer discounts for good grades, safe driving, and vehicle safety features. You can also save money by bundling your auto coverage with homeowners or renters insurance. Discounts can vary by company, so check with your insurer to find out what it offers.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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