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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 auto insurance cost in Dayton for full coverage is $1,200 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 2022 are United Svcs Automobile Assn and State Farm Mutl Automobile Ins.

United Svcs Automobile Assn is the cheapest option for most Dayton drivers, with an average annual rate of $735.

Car insurance cost may vary in Dayton based on your location, driving record, coverage level and the insurance company you choose. To get the best deal make sure you compare rates from multiple carriers.

The following companies are known to offer the cheapest auto insurance rates in Dayton

CompaniesAverage Annual Rates
United Svcs Automobile Assn$735
State Farm Mutl Automobile Ins$744
GEICO Advantage$843
Auto-Owners$1,017
Nationwide of Am$1,055
Travelers Property Cas$1,090
Erie Ins Exchange$1,312
Allstate P&C$1,356
Farmers Ins Exchange$1,421
Progressive Hawaii rp$1,569
Metropolitan Casualty$2,061

Cheapest car insurance cost in Dayton by Age Group

The cheapest auto insurance company in Dayton for teen drivers is State Farm Mut Auto Ins Co. For full coverage, its average annual rate for Dayton drivers is $2,683. 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.

Progressive HI Ins Corp is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Dayton at about $1,606 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 Progressive HI Ins Corp. Its average rate for a full coverage car insurance policy is $883 per year.

If you are a senior driver in Dayton and looking for a cheap car insurance company, then consider buying insurance from the Progressive HI Ins Corp. It is the cheapest auto insurance company for senior drivers with an average premium of $758 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Progressive HI rp$883$758$5,343$1,606
State Farm Mut Auto$991$925$2,683$1,625
Geico Gen$1,019$1,599$5,059$1,611
Mid Century$1,377$1,219$8,670$2,118
Nationwide Of Amer$1,632$1,545$6,250$2,992
Allstate Prop & Cas$1,886$1,913$7,184$2,728

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 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: Geico
  • Cheapest for a driver with a speeding ticket: State Farm
  • Cheapest for accident: State Farm
  • Cheapest for DUI: State Farm

Cheapest for a driver with Poor Credit: Geico

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Dayton drivers at about $1,757 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
Geico$1,757
United$2,053
Nationwide$2,169
Farmers Ins$2,575
Travelers$2,597
Auto-Owners$3,413
Allstate$3,746
Progressive$4,322
Erie Ins$4,631
State Farm$6,026
Metropolitan$9,022

Cheapest for drivers with a speeding ticket: State Farm

State Farm 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 $1,019 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. To find the best deal, it's important to compare rates from multiple providers. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
State Farm$1,019
United$1,321
Erie Ins$1,908
Nationwide$2,009
Geico$2,015
Travelers$2,119
Farmers Ins$2,161
Auto-Owners$2,482
Allstate$2,508
Progressive$3,176
Metropolitan$5,935

Cheapest auto insurance after an at-fault accident: State Farm

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault bodily injury accident in Dayton is $1,099. 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
State Farm$1,099
United$1,585
Geico$2,071
Nationwide$2,097
Travelers$2,121
Erie Ins$2,214
Farmers Ins$2,302
Auto-Owners$3,034
Allstate$3,243
Progressive$3,673
Metropolitan$6,166

Cheapest auto insurance after a DUI: State Farm

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 $1,019.

If you are convicted of a DUI, your auto insurance rates are likely to go up. But one way to find an affordable insurance policy is to shop around and compare quotes from multiple insurers.

CompaniesAverage Annual Rates
State Farm$1,019
Geico$2,029
United$2,042
Travelers$2,212
Farmers Ins$2,226
Nationwide$2,512
Erie Ins$2,521
Progressive$2,792
Allstate$3,116
Auto-Owners$4,303
Metropolitan$8,457

Average car insurance cost in Dayton

The average car insurance rate in Dayton for full coverage is $1,200 per year or $100 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Dayton is $336 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
$1,200$336

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