Dayton, OH Car Insurance

Explore ways to save on auto insurance in Dayton.

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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 Average United 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
Company Average 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 50s pay relatively affordable car insurance rates just $1,003 each year, on average. Those in their 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 bracket Average 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/Gender Average 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
Incident Average 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 Level Average 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.

 

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.