Cheapest car insurance companies in Dayton 

A recent data analysis by Insurance.com found the cheapest car insurance companies are Grange Mutual and Auto-Owners in Dayton for 2023. 

Grange Mutual has the cheapest car insurance rates in Dayton at an average cost of $1,024 per year.

Car insurance prices in Dayton can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Dayton drivers.

CompaniesAverage annual rates
USAA$963
Grange Mutual$1,024
Auto-Owners$1,155
Erie Insurance$1,194
Geico$1,299
Travelers$1,444
Progressive$1,627
Westfield Insurance$1,744
Cincinnati Insurance$1,778
Farmers$1,922
Allstate$2,082

Cheapest car insurance cost in Dayton by Age Group 

The cheapest auto insurance company in Dayton for teen drivers is USAA. For full coverage, its average annual rate for Dayton drivers is $2,802. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

When compared to other car insurance companies, USAA turned out to be the cheapest car insurance company for young drivers in Dayton, offering full coverage at an annual average cost of $1,561.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Dayton is USAA. Its average rate for a full coverage car insurance policy is $977 per year

Dayton senior drivers seeking affordable car insurance should look no further than USAA. It offers the cheapest car insurance rates for seniors, with an average annual premium of $977. It makes USAA a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
USAA$2,802$1,561$977$977
Geico$3,190$1,706$1,292$1,362
Erie Insurance$3,297$2,015$1,211$1,288
Auto-Owners$3,357$2,066$1,174$1,231
Grange Mutual$4,015$1,743$1,002$1,082
Westfield Insurance$5,083$2,912$1,835$1,793
Travelers$5,123$2,376$1,480$1,507
Cincinnati Insurance$5,331$3,098$1,756$1,797
Allstate$7,189$3,160$2,146$2,097
Progressive$7,725$2,843$1,646$1,737
Farmers$9,300$3,162$1,857$1,959

Cheapest car insurance companies in Dayton by driver profile 

Car insurance rates in Dayton vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Dayton that suits your budget. 

Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Dayton drivers based on driver profile.

If you're a Dayton driver with poor credit, Nationwide is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,081 annually

The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores. 

CompanyAverage annual rates
Nationwide$1,081
Geico$1,179
USAA$1,478
Travelers$1,630
Progressive$2,442
State Farm$2,567
Farmers$2,629
Allstate$2,713

USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Dayton. Its full coverage car insurance policy costs an average of $1,050 per year for drivers aged 30. 

Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors. 

Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price. 

CompanyAverage annual premium
USAA$1,050
Nationwide$1,166
State Farm$1,253
Geico$1,495
Travelers$1,507
Progressive$1,794
Allstate$2,209
Farmers$2,263

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Dayton with at-fault accidents on their driving records can find the cheapest car insurance rates with Nationwide. Its full coverage policy costs an average of $1,349 annually.

CompanyAverage annual rates
Nationwide$1,349
State Farm$1,360
USAA$1,452
Travelers$1,544
Geico$1,743
Progressive$2,354
Farmers$2,661
Allstate$2,989

State Farm is the carrier that offers cheap auto insurance rates in Dayton for drivers after a DUI. Its average annual rate for full coverage is $1,253

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage annual rates
State Farm$1,253
USAA$1,270
Progressive$1,874
Travelers$1,894
Nationwide$1,938
Geico$2,056
Farmers$2,731
Allstate$2,910

Average car insurance cost in Dayton 

The average car insurance rate in Dayton for full coverage is $1,476 per year or $123 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Dayton is $406 per year. 

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$1,476$406

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Ohio