Cheap Car Insurance in Dayton, Ohio

Written by Xuyun Zeng and 1 other
Updated Mar 20, 2025
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Cheap Car Insurance in Dayton, Ohio

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Ohio has passed laws to crack down on distracted driving and “hooning”, which includes illegal street racing and stunts. But drivers in Dayton still have to deal with hazards such as winter weather and heavy traffic at the crossroads of I-70 and I-75.

You’ll need car insurance to zip around Dayton legally. Jerry’s data can help drivers in Dayton find the cheapest car insurance for their needs, based on factors like age and driving history.

Cheapest minimum coverage in Dayton, Ohio

Here are the cheapest minimum coverage quotes that drivers in Dayton received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$31 $372 Progressive 37 December 4, 2024 Dayton, OH 45449
$34 $406 Progressive 43 November 4, 2024 Dayton, OH 45406
$36 $428 Progressive 41 March 8, 2025 Dayton, OH 45449
$36 $434 Commonwealth Insurance 54 June 13, 2024 Dayton, OH 45424
$37 $444 Trexis 53 January 22, 2024 Dayton, OH 45414
$38 $452 Progressive 65 January 11, 2025 Dayton, OH 45458
$38 $456 Progressive 39 February 6, 2024 Dayton, OH 45410
$38 $457 Commonwealth Insurance 53 June 17, 2024 Dayton, OH 45419
$39 $468 Progressive 70 March 9, 2025 Dayton, OH 45410
$40 $475 Commonwealth Insurance 39 March 30, 2024 Dayton, OH 45406
Last Updated Mar 24, 2025

Ohioans are required to have the following minimum coverages:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 for property damage liability.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage insurance in Dayton

Full coverage pays for damage to your car if it gets damaged from vandalism, theft, collisions, weather-related incidents and more. Here are the cheapest full coverage quotes that drivers in Dayton have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$34 $406 Progressive 43 November 4, 2024 Dayton, OH 45406
$37 $446 Progressive 41 March 8, 2025 Dayton, OH 45449
$39 $468 Progressive 70 March 9, 2025 Dayton, OH 45410
$40 $484 Progressive 32 August 7, 2024 Dayton, OH 45459
$42 $500 Progressive 30 July 31, 2024 Dayton, OH 45449
$45 $542 Progressive 47 September 28, 2024 Dayton, OH 45415
$46 $547 Progressive 30 August 1, 2024 Dayton, OH 45449
$47 $562 Progressive 35 December 15, 2024 Dayton, OH 45440
$52 $622 Progressive 32 February 9, 2025 Dayton, OH 45424
$53 $630 Progressive 39 November 27, 2023 Dayton, OH 45440
Last Updated Mar 24, 2025

Cheapest car insurance for young drivers in Dayton (18-29 years old)

Young drivers usually pay a higher rate for car insurance because of their lack of driving experience, which insurers see as a risk. If you are a young driver looking for the best rate, shopping around can help you find it. Here are the cheapest quotes that young Jerry customers in Dayton have received.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$43 $518 Progressive 29 No February 9, 2025 Dayton, OH 45424
$47 $562 Trexis 28 No September 14, 2024 Dayton, OH 45459
$47 $562 Trexis 28 No September 16, 2024 Dayton, OH 45459
$51 $616 Commonwealth Insurance 28 No August 28, 2024 Dayton, OH 45402
$52 $619 Commonwealth Insurance 27 No October 2, 2024 Dayton, OH 45403
Last Updated Mar 24, 2025

Cheapest car insurance for mature drivers in Dayton (30-54 years old)

Mature drivers usually get cheaper premiums than younger drivers, but it’s always wise to shop for quotes to ensure you’re getting the best rate possible. These are the cheapest quotes that mature drivers in Dayton have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$31 $372 Progressive 37 No December 4, 2024 Dayton, OH 45449
$34 $406 Progressive 43 Yes November 4, 2024 Dayton, OH 45406
$34 $410 Progressive 41 No March 8, 2025 Dayton, OH 45449
$36 $434 Commonwealth Insurance 54 No June 13, 2024 Dayton, OH 45424
$37 $444 Trexis 53 No January 22, 2024 Dayton, OH 45414
Last Updated Mar 24, 2025

Cheapest car insurance for older drivers in Dayton (55+ years old)

Older drivers that are 55 and above typically pay the lowest rates for auto insurance, though rates start ticking upwards as they reach their 70s. Here are the cheapest quotes that older drivers in Dayton have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$38 $452 Progressive 65 January 11, 2025 Dayton, OH 45458 No
$39 $468 Progressive 70 March 9, 2025 Dayton, OH 45410 Yes
$40 $476 Trexis 58 October 27, 2024 Dayton, OH 45414 No
$40 $480 Commonwealth Insurance 58 October 28, 2024 Dayton, OH 45414 No
$42 $502 Bristol West 68 December 22, 2024 Dayton, OH 45440 No
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with clean records in Dayton

Drivers with clean driving records typically get rewarded with the lowest premiums. Here are the cheapest quotes that drivers in Dayton with no violations, claims or accidents have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$31 $372 Progressive 37 December 4, 2024 No Dayton, OH 45449
$36 $434 Commonwealth Insurance 54 June 13, 2024 No Dayton, OH 45424
$38 $452 Progressive 65 January 11, 2025 No Dayton, OH 45458
$38 $456 Progressive 39 February 6, 2024 No Dayton, OH 45410
$39 $468 Progressive 70 March 9, 2025 Yes Dayton, OH 45410
$40 $475 Commonwealth Insurance 39 April 4, 2024 No Dayton, OH 45406
$40 $475 Commonwealth Insurance 39 March 30, 2024 No Dayton, OH 45406
$40 $475 Commonwealth Insurance 39 March 29, 2024 No Dayton, OH 45406
$40 $484 Progressive 32 August 7, 2024 Yes Dayton, OH 45459
$42 $500 Progressive 30 July 31, 2024 Yes Dayton, OH 45449
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with low credit scores in Dayton

Insurers in Ohio can use your credit score to determine your premium, and a lower score will likely cause your premiums to be higher than a driver with a higher score. When you near your policy’s renewal date, get quotes from various insurers to help you get a cheaper rate. Here are the cheapest quotes that drivers with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $36 $428 Progressive 41 March 8, 2025 Dayton, OH 45449
<550 $43 $517 The General 54 February 17, 2025 Dayton, OH 45414
<550 $50 $596 Trexis 53 September 4, 2024 Dayton, OH 45414
<550 $50 $604 Trexis 30 December 10, 2023 Dayton, OH 45420
<550 $52 $618 Progressive 54 February 17, 2025 Dayton, OH 45414
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Dayton

Drivers with at-fault accidents on their records are likely to pay higher premiums. If you have recently been in an accident, get quotes from several insurers to find the lowest rate. Here are the cheapest quotes for drivers in Dayton with at-fault accidents on their records, based on Jerry’s data.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $34 $406 Progressive 43 Yes November 4, 2024 Dayton, OH 45406
At Fault With No Injury $34 $410 Progressive 41 No March 8, 2025 Dayton, OH 45449
At Fault With No Injury $37 $446 Progressive 41 Yes March 8, 2025 Dayton, OH 45449
At Fault With No Injury $43 $522 Commonwealth Insurance 37 No January 1, 2025 Dayton, OH 45403
At Fault With No Injury $44 $534 Commonwealth Insurance 31 No February 10, 2025 Dayton, OH 45420
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with speeding tickets in Dayton

Premiums will likely increase if you’ve received a speeding ticket. It’s wise to compare quotes from various insurers to ensure you are getting the best rate possible. Here are the cheapest quotes for drivers with speeding tickets in Dayton, based on Jerry’s quote data.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $40 $476 Trexis 58 October 27, 2024 Dayton, OH 45414
Speeding under 15 $40 $480 Commonwealth Insurance 58 October 28, 2024 Dayton, OH 45414
Speeding over 15 $42 $502 Trexis 39 October 5, 2024 Dayton, OH 45417
Speeding over 15 $44 $533 Trexis 39 November 9, 2024 Dayton, OH 45417
Speeding over 15 $44 $533 Trexis 39 November 18, 2024 Dayton, OH 45417
Last Updated Mar 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.