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If you're looking for the best and cheapest car insurance in Dayton, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Dayton and prepared this guide for you.

The average cost of auto insurance in Dayton for full coverage is $1,057 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Dayton. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Dayton

According to a study by Insurance.com, the cheapest car insurance companies in Dayton for 2023 are Geico and Nationwide.

Geico is the cheapest option for most Dayton drivers, with an average annual rate of $668.

Car insurance cost may vary in Dayton based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Dayton

CompaniesAverage Annual Rates
Geico$668
Nationwide$737
USAA$857
Auto-Owners$983
Travelers$1,004
Erie Insurance$1,010
State Farm$1,051
American Family$1,060
Progressive$1,263
Farmers$1,338
Allstate$1,653

Cheapest car insurance cost in Dayton by Age Group

The cheapest auto insurance company in Dayton for teen drivers is Geico. For full coverage, its average annual rate for Dayton drivers is $2,326. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Dayton at about $1,134 per year.

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 the Geico. Its average rate for a full coverage car insurance policy is $708 per year.

If you are a senior driver in Dayton and looking for a cheap car insurance company, then consider buying insurance from the Geico. It is the cheapest auto insurance company for senior drivers with an average premium of $707 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$1,738$1,638$4,632$2,313
American Family$1,072$1,044$3,233$1,651
Auto-Owners$1,019$1,010$3,257$1,898
Erie Insurance$1,043$1,046$3,088$1,767
Farmers$1,359$1,370$7,283$2,481
Geico$708$707$2,326$1,134
Nationwide$746$744$3,294$1,411
Progressive$1,324$1,339$7,204$2,404
State Farm$1,088$1,018$3,598$1,996
Travelers$1,046$1,046$3,799$1,687
USAA$887$853$2,473$1,366

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.

To find the cheapest car insurance company in Dayton, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Dayton based on driver profile.

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 $1,083 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 score.

CompaniesAverage Annual Rates
Nationwide$1,083
Geico$1,134
USAA$1,494
Travelers$1,667
American Family$1,992
Progressive$2,368
Erie$2,374
Farmers$2,521
State Farm$2,567
Allstate$2,713
Auto-Owners$2,987

Cheapest for drivers with a speeding ticket: Nationwide

Nationwide offers the cheapest auto insurance rates for drivers with a speeding ticket in Dayton. It offers full coverage car insurance for drivers age 30 at about $989 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
Nationwide$989
USAA$1,013
Erie$1,103
American Family$1,182
Auto-Owners$1,223
State Farm$1,253
Geico$1,326
Travelers$1,478
Progressive$1,697
Farmers$2,103
Allstate$2,173

Cheapest auto insurance after an at-fault accident: American Family

American Family 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 $1,182. 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.

CompaniesAverage Annual Rates
American Family$1,182
USAA$1,226
Nationwide$1,240
State Farm$1,360
Erie$1,365
Travelers$1,473
Geico$1,477
Auto-Owners$1,525
Progressive$2,130
Farmers$2,297
Allstate$2,792

Cheapest auto insurance after a DUI: American Family

American Family is the carrier that offers cheap auto insurance rates in Dayton for drivers after a DUI. Its average annual rate for full coverage is $1,182.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
American Family$1,182
USAA$1,207
State Farm$1,253
Nationwide$1,546
Progressive$1,553
Travelers$1,584
Erie$1,622
Geico$1,697
Auto-Owners$2,105
Farmers$2,182
Allstate$2,407

Average car insurance cost in Dayton

The average car insurance rate in Dayton for full coverage is $1,057 per year or $88 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Dayton is $320 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,057$320

Methodology

Insurance.com commissioned 2022 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 2022.

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. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Ohio

Cincinnati
$1,150/year
Defiance
$905/year
Elyria
$918/year
Marion
$950/year
Mason
$968/year
Tiffin
$868/year
Upper Sandusky
$884/year
Warren
$1,009/year

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