Dayton, OH Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Dayton.
How much does auto insurance cost in Dayton?
The average cost of car insurance in Dayton, Ohio, is $564 per six-months. That's greater than than the average across Ohio ($523) and less expensive than the national average of $1093. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Dayton. Read on to learn more!
| Car insurance in Dayton vs. Ohio | Average 6 Mo. Premium |
|---|---|
| Dayton average | $564 |
| Ohio average | $523 |
The Zebra's key takeaways about car insurance in Dayton:
- The average cost of a car insurance policy in Dayton is $564 per six-month policy — $94 per month.
- The cheapest company in Dayton is GEICO ($339).
- 36% of Zebra customers in Dayton stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Dayton car insurance rates 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.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $339 |
| Grange Insurance | $401 |
| Erie | $414 |
| State Farm | $483 |
| Cincinnati Insurance | $488 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Dayton.
Dayton auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 29% of Dayton drivers. Dayton drivers in their 50s pay relatively affordable car insurance rates just $501 each six-month, on average. Those in their 60s don't pay significantly more ($515).
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.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2,611 |
| 20s | $805 |
| 30s | $556 |
| 40s | $533 |
| 50s | $501 |
| 60s | $515 |
| 70s | $646 |
Dayton car 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 $403 in savings on insurance premiums each six-months. Our data tells us 34% of drivers in Dayton have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,082 |
| Fair | $679 |
| Good | $564 |
| Very Good | $503 |
| Exceptional | $452 |
Dayton car insurance costs by violationÂ
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.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $907 |
| Reckless Driving | $904 |
| At-fault Accident (damages < $1,000) | $817 |
| At-fault Accident (damages greater than $2,000) | $885 |
| Speeding Ticket (16-20 mph over speed limit) | $691 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.