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 |
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
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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.

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.

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.