Cheapest car insurance companies in Dayton
Grange Mutual and Auto-Owners offer the cheapest car insurance rates in Dayton for 2023, according to a study by Insurance.com.
Grange Mutual is the cheapest option for most Dayton drivers, with an average annual rate of $1,024 .
The cost of car insurance in Dayton varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Dayton.
| Companies | Average 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
USAA is the cheapest option for car insurance in Dayton for teen drivers, with average annual premiums at just $2,802 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
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.
USAA provides the cheapest car insurance coverage for young drivers in Dayton, with an annual premium of $1,561 on average.
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.
If you are a senior driver in Dayton and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $977 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
When determining car insurance rates in Dayton, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
Finding the cheapest car insurance in Dayton requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
In Dayton, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: Nationwide
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Dayton drivers at about $1,081 per year.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average 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 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Dayton with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,050.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average 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 |
Cheapest auto insurance after an at-fault accident: Nationwide
Nationwide is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Dayton is $1,349. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average 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 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Dayton. On average, its annual full coverage rate is $1,253, making it a significantly cheaper option than other insurance providers.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average 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
In Dayton, the average annual cost for full coverage car insurance is around $1,476, which breaks down to approximately $123 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Dayton is about $406.
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 Rates | State 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.
