Car Insurance in Dayton
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Car Insurance in Dayton, OH
Dayton, Ohio, is a city that touches the sky. From the Wright Brothers to the Air Force's Institute of Technology, aviation has made Dayton the city it is today. Even so, Flyers and flight school trainees alike still use cars to get around, so finding the best car insurance in Dayton, Ohio, is a must.
Driving in Dayton — Ohio's sixth-largest city — you'll follow the same rules of the road as drivers in the rest of Ohio. Though it's important to be aware of signs and signals detailing what may be admissible at a certain intersection or roundabout. Dayton drivers don't have to seek additional car insurance beyond the minimum amount required by the state of Ohio.
If you compare car insurance costs in Dayton, you'll see some variance based on your age, driving record, and even your location. Use this site to shop for affordable car insurance in Dayton, Ohio.
How much is car insurance in Dayton, OH?
In Dayton, car insurance costs can vary depending on your choice of coverage and personal circumstances. While rates fluctuate, we've compiled the average prices for the three most common types of coverage in Dayton, giving you a rough idea of what you might expect to pay:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Dayton?
Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Subaru Forester | $119 |
2 | Dodge Grand Caravan | $120 |
3 | Honda Cr-V | $121 |
4 | Kia Sol | $126 |
5 | Ford F-150 | $126 |
6 | Ford Fusion | $127 |
7 | Jeep Cherokee | $128 |
8 | Toyota Tacoma | $129 |
9 | Toyota Corolla | $130 |
10 | Kia Sedona | $133 |
Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 |
How do claims and violations impact my total cost?
In Dayton, your driving record plays a significant role in determining your insurance premiums. Even minor infractions like a speeding ticket or a fender bender can increase your rates, while serious violations, such as a DUI, can lead to even steeper hikes. Below is a ranking of how various claims and violations affect insurance costs in Dayton, from least to most impactful:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $133 | +0% |
Not at-fault Accident | $141 | +6% |
Driving with expired registration | $170 | +28% |
Speeding Ticket | $176 | +32% |
At-fault Accident | $218 | +64% |
DUI | $253 | +90% |
Hit and Run | $257 | +93% |
Driving with a suspended license | $264 | +98% |
What car insurance discounts can I get in Dayton?
Potential Discounts | Average Monthly Cost | Monthly Savings |
---|---|---|
Multi-Policy Home | $120 | +$13 |
Paid in Full | $124 | +$9 |
Multi-Policy Renters | $125 | +$8 |
Low Mileage | $125 | +$8 |
Electronic Funds Transfer | $130 | +$3 |
Renewal discount | $131 | +$2 |
Paperless | $132 | +$1 |
None | $133 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.