Dayton, OH Car Insurance

How much does auto insurance cost in Dayton?


The average cost of car insurance in Dayton, Ohio, is $1,128 per year. That's greater than than the average across Ohio ($1,047) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Dayton.


AUTO INSURANCE COSTS: DAYTON VS. STATE AND US AVERAGES
Dayton Average (annual)Ohio AverageUnited States Average
$1,128$1,047$1,548

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Dayton car insurance costs by company


The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Dayton's cheapest rates. We've gathered the best cheap car insurance companies in Dayton below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


DAYTON CAR INSURANCE PREMIUMS BY COMPANY
CompanyAverage Annual Rate
GEICO$678
Grange Insurance$803
Erie$829
State Farm$967
Cincinnati Insurance$976

Read our guide to finding the best cheap auto insurance.



Dayton car insurance premiums by age

Dayton drivers in their age_50s pay relatively affordable car insurance rates just $1,003each year, on average. Those in their age_60s don't pay significantly more ($1,031).

Teenage drivers pay Dayton's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Dayton is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Dayton is $3,612, the largest such difference between any two age groups.


DAYTON AUTO INSURANCE COSTS BY AGE
Age bracketAverage Yearly Rate
Teenagers$5,223
20s$1,611
30s$1,112
40s$1,066
50s$1,003
60s$1,031
70s$1,292

Learn more about how age influences auto insurance rates.



Dayton auto insurance rates by gender and marital status


Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Dayton, married motorists pay $69 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Dayton, single drivers pay more than those who are widowed.

Gender is another factor that can impact auto insurance costs. In Dayton, the gap in car insurance rates between genders is $3 per year, with male drivers paying more than female drivers.


DAYTON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,125
Male$1,128
Single$1,059
Married$1,059
Divorced$1,128
Widowed$1,106

Learn more about how gender and marital status have on insurance rates.



Dayton car insurance costs by accident and violation history


Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Dayton drivers found guilty of reckless driving face insurance rate increases of $680 per year, compared to the citywide average. A DUI violation may lead to a $686 increase, while a citation for speeding leads to a $255 rate hike.


DAYTON CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage Yearly Rate
DWI/DUI$1,814
Reckless Driving$1,808
At-fault Accident (damages < $1,000)$1,635
At-fault Accident (damages greater than $2,000)$1,770
Speeding Ticket (16-20 mph over speed limit)$1,382

Learn more about how citations can raise your auto insurance rates.



Dayton auto insurance rates by credit score


Credit score is often closely correlated with car insurance costs. In fact, Dayton drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 58% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Dayton, improving your credit to "Fair" could help you earn $806 in savings on insurance premiums each year.


DAYTON CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Yearly Rate
Very Poor$2,164
Fair$1,358
Good$1,128
Very Good$1,007
Exceptional$914

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.