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Car Insurance in Dayton

Compare car insurance costs in Dayton, Ohio

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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:

$44
State Minimum
$133
Full 50/100
$127
Full 100/300

Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Dayton?

Determining the insurance costs for every car make and model in Dayton can be a tricky task. However, if you’re interested in newer cars that tend to have lower insurance rates, here’s a list of the top 10 models that are most affordable to insure in Dayton:

RankMake and ModelAverage Monthly Premium
1Subaru Forester$119
2Dodge Grand Caravan$120
3Honda Cr-V$121
4Kia Sol$126
5Ford F-150$126
6Ford Fusion$127
7Jeep Cherokee$128
8Toyota Tacoma$129
9Toyota Corolla$130
10Kia 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 ClaimAverage Monthly CostPrice 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?

Dayton offers numerous opportunities to save on car insurance through discounts. These could include multi-policy bundles, discounts for setting up automatic payments, or even rewards for staying loyal to your insurer. Here’s a list of potential discounts available in Dayton, ranked by how much they could reduce your premium:

Potential DiscountsAverage Monthly CostMonthly 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.