Dayton, OH Car Insurance

Residents of Dayton pay, on average, about $58 per month for car insurance. Learn more in our handy guide below.
Are rates in Dayton higher or lower than those in neighboring areas? How do they compare to the rest of Ohio? How much can residents of Dayton expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Dayton?

Area Average Monthly Car Insurance Premium
Dayton$58
OH$59
United States$80

Looking at the chart above, you can see that the average monthly price is about the same in Dayton as it is in the rest of Ohio.

Similarly, car insurance rates in Dayton are often favorable when viewed against the rest of the country. You can expect to pay about $22 below the national average for auto insurance in Dayton.

Keep in mind that these are the average auto insurance rates for Dayton, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've broken down average rates for Dayton to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$230
18-24$95
25-34$55
35-44$47
45-54$41
55-64$37
65+$45

The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may begin to increase again in Dayton.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$59

On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay slightly less than female drivers on their monthly auto coverage, the difference in Dayton is only about $2 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$100
Multiple Accidents$118
1 Ticket$87
Multiple Tickets$127

Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Dayton with a single accident on their record will usually see rates around $87 a month. In addition, drivers with one ticket can expect to pay around $100 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$42
4-5 Years$49
6-7 Years$73
8-10 Years$61
11-14 Years$54
15 Years or Older$60

According to the first table above, the cheapest vehicles to insure in Dayton are typically trucks and vans, at $51 per month.

Car owners will see a monthly rate of about $59, while SUV owners by and large pay around $57 per month.

Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Dayton, for example, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$61
Married$54
Divorced$47
Widowed$40

Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Dayton follows that pattern, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$59
Live with parents$98

Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $12 a month more than those who own their own home in Dayton. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Dayton, OH

Recent trends in car insurance for Dayton drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Dayton, auto insurance rates had been increasing from 2016-2018, before leveling out in 2019. Insurance rates finished down in 2021, at $39 a month

How does Dayton compare to neighboring areas?

Why are car insurance rates in Dayton different from other areas?

When considering how much to charge for coverage, car insurance companies will review several factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Road Safety (frequency of car accidents)
  • Prevalence of crime
  • Number of drivers
  • Off-street parking availability
  • Regional laws

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Dayton?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Dayton.

Compare the cheapest quotes from dozens of insurance companies

Dayton Insurance FAQs

What factors affect car insurance quotes in Dayton?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Dayton different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Dayton?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Dayton?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Dayton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes