PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Cheapest car insurance in Dayton, Ohio (Nov 2024)
Cheapest car insurance in Dayton, Ohio (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Dayton, Ohio.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance in Dayton
- Best Car Insurance Companies in Dayton
- Best cheap car insurance quotes in Dayton
- Car insurance quotes in Dayton by rating factors
- How do different factors impact your car insurance costs in Dayton?
- Cheap car insurance quotes in Dayton after driving violations
- Cheap car insurance quotes in Dayton by age
- Cheap car insurance quotes in Dayton based on insurance history
- Cheap car insurance quotes in Dayton for popular cars
- How to lower car insurance costs in Dayton
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Dayton
On average,
auto insurance
in Dayton costs about $50 per month for minimum coverage liability insurance, and about $112 per month for full coverage insurance. Smart car insurance shoppers in Dayton, Ohio come to Jerry every month because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below are some cheapest car insurance quotes Jerry found for our Dayton customers. Coverage type | Dayton, OH | Ohio | United States |
|---|---|---|---|
State minimum | $50 | $49 | $77 |
Full coverage | $112 | $106 | $165 |
Best Car Insurance Companies in Dayton
There is no single best car insurance company for everyone. The most important reason is that every customer gets different
car insurance quotes
based on their profile—so the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.
The results: Some of the best auto insurance companies in Dayton are State Auto, Kemper, and Allstate. These insurers not only scored high in terms of customer service, but for affordable rates as well.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry score |
|---|---|---|---|---|
$38 | $133 | 4.3 | 4.4 | |
$40 | $85 | 4.5 | 4.2 | |
$42 | $107 | 3.8 | 4.2 | |
$42 | $100 | 4.2 | 4.5 | |
$44 | $92 | 4.2 | 4.4 | |
Gainsco | $48 | $148 | 4.1 | N/A |
$49 | $96 | 4.0 | 4.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Dayton
Ohio has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Dayton and gives you the cheapest rate. But minimum liability often isn’t enough coverage—you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Dayton
In order to legally hit the road, Dayton drivers need to meet Ohio minimum coverage limits for bodily injury liability and property damage liability.
In Ohio, drivers are subject to minimum car insurance coverage requirements, which include the following liability insurance limits:
These liability coverages are commonly referred to as 25/50/25 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
These providers offer affordable minimum liability coverage to Jerry users:
Insurance provider | Monthly minimum coverage cost |
|---|---|
$38 | |
$41 | |
$42 | |
Gainsco | $48 |
$49 | |
$56 |
Do you need more than minimum coverage in Dayton?
Most drivers in Dayton need higher liability coverage than the 25/50/25 state minimum mandated by
Ohio car insurance laws
. In an at-fault accident, you could be responsible for medical bills and vehicle repairs far exceeding these minimum limits, especially if you cause serious injuries to another person. If another driver’s car is totaled, the cost to replace it could be more than $40,000—well above that minimum $25,000 property damage limit.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage as well as full coverage.
Cheap full coverage car insurance quotes in Dayton
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car. Full coverage includes comprehensive and collision coverage:
- Comprehensive coveragepays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your lender will require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Jerry has found affordable full coverage quotes for customers in Dayton.
Insurance provider | Monthly full coverage cost |
|---|---|
$92 | |
$96 | |
$93 | |
$100 | |
$106 | |
$107 | |
Clearcover | $123 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Easy, fast, and I saved! It was my first time using Jerry, and I feel like it literally took me 5 minutes. I was insured with a full coverage policy that I was happy with!"
Chelsea F.
Average cost of car insurance in Dayton by zip code
Drivers who park their vehicles in one part of Columbus could pay different rates than drivers who park in another area of the city.
That’s because insurance companies may label certain areas as “high-risk” due to more frequent vehicle thefts or a higher number of insurance claims.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
45402 | $91 | $157 |
45403 | $74 | $122 |
45404 | $85 | $172 |
45406 | $85 | $145 |
45410 | $72 | $144 |
45414 | $62 | $136 |
45415 | $44 | $209 |
45416 | $76 | $117 |
45417 | $41 | $128 |
45419 | $60 | $131 |
45420 | $75 | $142 |
45424 | $67 | $134 |
45426 | $113 | $119 |
45429 | $68 | $126 |
45439 | $60 | $103 |
45449 | $65 | $94 |
Car insurance quotes in Dayton by rating factors
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.
How do different factors impact your car insurance costs in Dayton?
How do different factors impact your car insurance costs in Dayton?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Ohio currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Dayton:
Cheap car insurance quotes in Dayton after driving violations
Your
Ohio driving history
impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Dayton after speeding ticket
In Dayton, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with varying speeding tickets save on car insurance.
MPH over limit | Monthly coverage cost | Rate increase (%) |
|---|---|---|
6-10 | $101 | 20% |
11-15 | $122 | 34% |
21+ | $183 | 56% |
Cheapest car insurance in Dayton after DUI
In Dayton,
a DUI violation
can increase your insurance rate. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.Jerry has helped many Dayton drivers obtain affordable auto insurance rates after a DUI, which you may need because here's how much your insurance can increase after one DUI in Ohio.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
DUI | $159 | 49% |
Cheapest car insurance in Dayton after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history.
Ohio is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Here's how much you can expect to pay after an at-fault collision.
Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
At-fault accident | $105 | 23% |
Cheapest car insurance in Dayton after other driving violations
In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your in car insurance costs to increase in Dayton.We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Following too closely | $89 | 9% |
Careless driving | $109 | 26% |
Failure to obey signal | $122 | 34% |
Driving left of center | $205 | 60% |
Cheap car insurance quotes in Dayton by age
Young drivers pay very high insurance rates due to limited driving experience. Rates tend to drop around the age of 25 and increase again mid-70s.
Cheapest car insurance in Dayton for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Dayton. For teen car owners that drive a newer car, full coverage would afford better financial protection as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.This table shows how much Dayton drivers between 18 and 25 pay for minimum liability and full coverage car insurance.
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
18–21 | $144 | $215 |
22–25 | $95 | $167 |
Cheapest car insurance in Dayton for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
26-34 | $68 | $126 |
35-44 | $55 | $101 |
45-54 | $49 | $89 |
Cheapest car insurance in Dayton for senior drivers
Car insurance rates start to rise once you get into your mid-70s.
Car insurance rates for seniors
tend to be higher due to several reasons. Older drivers are more susceptible to being involved in accidents and more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.Here’s what Dayton drivers pay on average for full coverage and minimum liability insurance once they reach 55 and older.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
55-64 | $41 | $70 |
65+ | $51 | $77 |
Cheap car insurance quotes in Dayton based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in your insurance coverage
usually leads to an increase in car insurance rates.To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
With coverage lapses | $94 | 14% |
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I've looked at 20 or different auto insurances and they had the best prices for what I needed!
Cassidy
They were affordable and great very personable and reasonable.
Audrey
Gave me exactly what I needed at a price that made sense. I am so far pleased with my provider.
Melissa
Always a pleasant experience.
Kelly
Cheap car insurance quotes in Dayton for drivers with poor credit
Drivers with poor credit scores
are statistically more likely to file claims, which can result in higher rates from insurance providers.If you’re struggling with bad credit: By taking what steps you can to build good credit over time, you could find even more savings on car insurance in the future.
Our data shows that the average car insurance rate for the highest credit bracket (over 750) is almost 20% higher than the average cost for people with lower credit scores (under 550).
Here are the average car insurance costs for Queens drivers based on their credit rating:
Credit score | Monthly minimum coverage cost |
|---|---|
601–699 | $78 |
700+ | $46 |
Cheap car insurance quotes in Dayton for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Dayton include:
Vehicle | Monthly minimum coverage cost |
|---|---|
$48 | |
$73 | |
$181 | |
$58 | |
$79 |
How to lower car insurance costs in Dayton
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
What is the best car insurance in Dayton?
Nationwide, Safeco, Progressive and State Auto receive good ratings from Dayton drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
What is the minimum car insurance in Dayton, Ohio?
The state-minimum car insurance in Dayton, Ohio is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
How much is car insurance in Dayton?
People living in Dayton pay on average $50 per month – or $598 per year – on state-minimum liability coverage. Full coverage in Dayton costs on average $112 per month or $1,340 per year.
Just keep in mind that with car insurance, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation.
What is the cheapest car insurance in Dayton?
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you.
In Dayton, some of the cheapest providers are Nationwide, Allstate, and Progressive, so those are all good places to start!
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.