Cheapest car insurance companies in Dayton 

After an in-depth analysis, Insurance.com found that Travelers and State Farm are the cheapest car insurance companies in Dayton for 2023. 

Travelers has the cheapest car insurance rates in Dayton at an average cost of $1,346 per year.

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.

CompaniesAverage annual rates
USAA$1,205
Travelers$1,346
State Farm$1,387
Geico$1,401
Tennessee Farmers$1,408
Progressive$1,447
Erie Insurance$1,552
Nationwide$1,663
Farmers$1,709
Allstate$2,799

Cheapest car insurance cost in Dayton by Age Group 

In Dayton, Erie Insurance is the cheapest car insurance company for teenagers, offering full coverage policies at $3,869 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

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 $1,922.

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 $1,224 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 $1,193. It makes USAA a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
Erie Insurance$3,869$2,555$1,575$1,593
State Farm$3,987$2,322$1,393$1,315
Tennessee Farmers$4,119$2,633$1,419$1,274
Travelers$4,216$2,097$1,371$1,367
USAA$4,445$1,922$1,224$1,193
Geico$4,546$2,284$1,444$1,388
Progressive$6,516$2,342$1,470$1,575
Nationwide$6,977$2,973$1,625$1,652
Farmers$7,524$2,237$1,630$1,682
Allstate$11,221$4,450$2,777$2,865

Cheapest car insurance companies in Dayton by driver profile 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Dayton. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

Comparison shopping is the key to getting the cheapest car insurance rates in Dayton. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

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

Drivers in Dayton with poor credit can get the cheapest car insurance from Geico at an average cost of $1,328 a year, according to a data study by Insurance.com.

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Dayton.

CompanyAverage annual rates
Geico$1,328
Nationwide$1,526
USAA$1,693
Farmers$2,032
Travelers$2,085
Allstate$3,047
Progressive$3,248
State Farm$4,726

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 State Farm at an annual cost of $803.

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$803
USAA$1,107
Geico$1,514
Nationwide$1,564
Travelers$1,734
Farmers$1,808
Allstate$2,071
Progressive$2,545

If you've had an accident, State Farm might be your best bet for affordable auto insurance.

For Dayton drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $862. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
State Farm$862
USAA$1,533
Travelers$1,769
Geico$1,788
Nationwide$1,832
Farmers$2,099
Allstate$2,791
Progressive$3,300

State Farm is the cheapest option for Dayton drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $803, on average.

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$803
USAA$1,817
Geico$1,852
Travelers$2,137
Farmers$2,165
Nationwide$2,460
Progressive$2,833
Allstate$3,053

Average car insurance cost in Dayton 

In Dayton, the average annual cost for full coverage car insurance is around $1,591, which breaks down to approximately $133 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 $413.

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
$1,591$413

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.