Dayton Car Insurance

The Zebra
May 30, 2018

Car Insurance in Dayton

It is common knowledge that Ohio has low-cost premiums, as its mean rate falls below the national average by 27%. While premiums in the city are relatively low as well, understanding premium costs while insuring a vehicle in Dayton is still vital. Going over some tips below about how to save on Dayton car insurance can save you money.

  • City Average: $1,119
  • State Average: $1,037
  • National Average: $1,427

Dayton Car Insurance by Accident or Violation History

Accidents and violations on your driving record can cost you in terms of car insurance premiums. A DUI will increase your car insurance premiums more than other driving violations. Usually, a DUI in Dayton will cost you 72% more in car insurance premiums versus the city average of $1,119. Reckless driving will also push your premiums up, with typical rates of $1,761, which are 57% higher than the city average! You can expect your yearly car insurance premiums to increase by 55% if you are found at-fault in an accident in Dayton.

  • DUI: $1,922
  • Reckless Driving: $1,761
  • At-fault Accident (damages less than $1000): $1,739
  • At-fault Accident (damages greater than $2000): $1,739
  • Speeding Ticket (16-20 mph over speed limit): $1,349

Dayton Car Insurance by Age

With typical payments of $4,509, teenage drivers pay the most in car insurance premiums. Among all age groups, drivers in their 50s have the lowest rates, with rates of $976. Those in their 60s ($1,006) also have relatively low premiums. When Dayton drivers reach their 20s, therefore moving out of the teenage age range, they reduce their premiums by $2,892, the biggest gap between any age group. Insurance rates continue to trend downward up until drivers hit 60.

  • Teenagers: $4,509
  • 20s: $1,617
  • 30s: $1,103
  • 40s: $1,067
  • 50s: $976
  • 60s: $1,006
  • 70s: $1,241

Dayton Car Insurance by Credit Rating

Average car insurance premiums in Dayton for those with Very Poor credit (300-579) are more than twice the premiums for those with Exceptional credit (800-850). Drivers can save approximately 19% per year when they boost their credit tier from Very Good (740-799) to Exceptional (800-850).

  • Very Poor: $2,085
  • Fair: $1,719
  • Good: $1,439
  • Very Good: $1,186
  • Exceptional: $963

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Dayton Car Insurance by Gender and Marital Status

In Dayton, both marital status and gender have an effect on your car insurance premiums. Rates for those who are widowed are marginally cheaper than rates for those who are single. Married individuals save an average of 4% per year compared to those who are single or divorced. Premiums for men and women usually deviate by a mere 1%, with women paying more.

  • Female: $1,134
  • Male: $1,119
  • Single: $1,119
  • Married: $1,071
  • Divorced: $1,119
  • Widowed: $1,111