Cheapest Car Insurance In Dayton, OH 2025
State Farm stands out as Dayton’s most economical choice for minimum coverage, averaging $42 monthly.
We’ve saved shoppers an average of $600 per year on their car insurance.
Prices for car insurance in Dayton, OH, can differ greatly when you’re on the hunt for a bargain.
State Farm stands out with the cheapest liability-only coverage. Erie provides the best full coverage rates, while Clearcover is the most cost-effective option for young drivers.
Cheapest Car Insurance Companies In Dayton, OH 2025
Cheapest Liability-only Car Insurance In Dayton: State Farm
At $42 a month on average, State Farm is Dayton’s most cost-effective choice for minimum coverage car insurance.
Check out the table below to compare rates from multiple insurance carriers side-by-side.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Cheapest Full Coverage Insurance Rates In Dayton: Erie
Full coverage car insurance from Erie is the cheapest option in Dayton, with average monthly premiums of $83
Below is a comparison table showing average auto insurance quotes from affordable insurers in Dayton.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $83 | $996 |
| Auto-Owners | $86 | $1,032 |
| American Family | $104 | $1,248 |
| Nationwide | $107 | $1,284 |
| Progressive | $116 | $1,392 |
Cheapest Car Insurance Rates For Seniors: Erie
Erie offers Dayton seniors the cheapest car insurance option, with an average monthly rate of $62.
Below is a side-by-side comparison of average quotes from the cheapest senior auto insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $62 | $744 |
| USAA | $70 | $840 |
| Auto-Owners | $64 | $768 |
| GEICO | $69 | $828 |
| Nationwide | $75 | $900 |
Cheapest Rates In Dayton For Teenagers: State Farm
At $131 per month on average, State Farm offers Dayton’s cheapest car insurance option for teenage drivers.
Below is a comparison table featuring the cheapest auto insurers for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $131 | $1,572 |
| Auto-Owners | $152 | $1,824 |
| USAA | $167 | $2,004 |
| Nationwide | $200 | $2,400 |
| Safeco | $214 | $2,568 |
Cheapest Auto Insurance For Young Adults in Dayton: Clearcover
At $70 per month on average, Clearcover offers young adults the lowest car insurance rates in Dayton.
The table below presents a side-by-side comparison of the cheapest auto insurance rates for young adults in Dayton.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $70 | $840 |
| USAA | $97 | $1,164 |
| National General | $92 | $1,104 |
| State Farm | $107 | $1,284 |
Cheapest Car Insurance In Dayton For Good Drivers: State Farm
At approximately $42 per month, State Farm provides the most affordable car insurance for safe drivers in Dayton.
The table below lists average quotes from affordable car insurance providers, specifically for safe drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Find affordable Dayton rates
Cheapest Car Insurance In Dayton After A Speeding Ticket: State Farm
At $77 per month on average, State Farm offers one of the lowest rates in Dayton for drivers with a speeding ticket.
Compare average insurance rates for drivers with a speeding violation using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $77 | $925 |
| Erie | $87 | $1,042 |
| Auto-Owners | $94 | $1,130 |
| GEICO | $158 | $1,898 |
| USAA | $79 | $950 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm leads with the most affordable rates for drivers with an at-fault incident, costing about $84 per month on average.
Here’s a list of car insurance providers with the cheapest premiums for drivers who have an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $84 | $1,010 |
| USAA | $91 | $1,090 |
| Auto-Owners | $103 | $1,230 |
| GEICO | $124 | $1,490 |
| Erie | $109 | $1,302 |
Cheapest Rates In Dayton For Drivers After A DUI: State Farm
State Farm leads in affordability for drivers with a DUI in Dayton, with monthly premiums averaging $78.
The table below provides average quotes from insurers offering the cheapest rates for drivers with a DUI in Dayton.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $78 | $930 |
| Erie | $131 | $1,566 |
| USAA | $94 | $1,130 |
| Auto-Owners | $142 | $1,705 |
| GEICO | $158 | $1,900 |
Best Car Insurance Companies In Dayton
State Farm leads with the lowest rate of $42 per month for Dayton drivers, but Auto-Owners ($48) and Erie ($49) are also great options.
The following ranking shows the top 10 car insurance providers in Dayton, OH, based on average monthly premiums.
| Company | Monthly Premium |
| State Farm | $42 |
| Auto-Owners | $48 |
| GEICO | $52 |
| American Family | $59 |
| Progressive | $68 |
| Nationwide | $63 |
| Erie | $49 |
| Safeco | $66 |
| Allstate | $90 |
| Travelers | $98 |
Average Auto Insurance Rates In Dayton – By Age
Age has a significant impact on car insurance rates. Due to their inexperience and higher accident rates, younger drivers face higher premiums. Teens can expect to pay about $2,432 per year on average.
At 25, drivers often qualify for lower insurance rates if they have a history of safe driving.
Drivers in their 50s and early 60s often secure the lowest insurance rates, with age serving as a major factor in insurers’ risk assessments.
| Age | Average Yearly Rate |
| Teenagers | $2,432 |
| 20s | $1,569 |
| 30s | $1,094 |
| 40s | $1,074 |
| 50s | $991 |
| 60s | $970 |
| 70s | $1,066 |
Average Rates In Dayton – By Vehicle
Your car’s make, model, and year play a big role in setting your insurance rate. Newer luxury cars, which have advanced features and high replacement costs, often come with higher premiums.
Below, you can explore average insurance rates in Dayton based on vehicle type.
| Vehicle | Average Monthly Rate |
| Chevrolet Impala | $98 |
| Ford Escape | $182 |
| Hyundai Sonata | $105 |
| Jeep Cherokee | $312 |
| Kia Rio | $92 |
Average Cost Of Auto Insurance In Dayton – By Zip Code
Insurers set different car insurance rates for each ZIP code based on crime rates and other local risks.
Below, you can compare average car insurance rates for different ZIP codes within Dayton.
| City | Average Monthly Rate |
| 45404 | $90 |
| 45449 | $81 |
| 45406 | $118 |
| 45414 | $90 |
| 45434 | $110 |
How Much Is Car Insurance In Other Cities in Ohio?
The cost of your car insurance is influenced by where you live. Urban areas, with their increased risk of accidents, theft, and vandalism, typically result in higher premiums.
On average, car insurance costs $144 per month in Groveport, while drivers in Springfield pay about $80 monthly.
| City | Average Monthly Rate |
| Youngstown | $105 |
| Hamilton | $96 |
| Columbus | $118 |
| Lima | $92 |
| Groveport | $144 |
| Canton | $90 |
| Springfield | $80 |
| Akron | $100 |
| Cleveland | $117 |
| Cincinnati | $110 |
Find affordable Dayton rates
Our Methodology
Through careful research of customer feedback, coverage plans, price points, and online ratings, I’ve built a comprehensive overview of car insurance providers in Dayton, OH.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Dayton?
For drivers in Dayton, State Farm offers the lowest minimum coverage rates, while Erie has the cheapest full coverage with comprehensive and collision protection.
What is the average cost of car insurance in Dayton?
The average car insurance premium in Dayton is approximately $100 per month, but rates vary based on your ZIP code, car model, and driving history.
