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How much is car insurance in Dayton?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Texas are about $8 a month cheaper than the rates drivers pay in Dayton.
That being said, when compared to the national average, the cost for auto insurance in Dayton is lower. The average monthly payment in Dayton is about $8 less than the rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Dayton, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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.
Don't sweat it however, we've broken down average rates for Dayton residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $63 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates start to rise again in Dayton.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in average rates in Dayton totals about $4 a month. As illustrated in the table above, male drivers in the area pay about $74 on average, while female drivers pay around $70 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Dayton, having a single accident on your record will usually get you rates around $94 a month. In addition, drivers with a single ticket on their record can expect to pay around $92 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$68|
The cheapest vehicles to insure in Dayton are by and large cars, with each type typically costing about $69 per month.
Truck and van drivers will see rates of about $76, while the rates for SUV owners average out to about $72 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Dayton, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$83|
On average, people who are married will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Dayton, with married couples paying about $27 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$125|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $12 a month more than homeowners in Dayton. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Dayton, TX
Recent trends in car insurance for Dayton drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Dayton, the rates for auto insurance went up from 2016-2017, when they reached a high of $76. This leveled out in 2019, when policy premiums began to decrease. They hit a low of $61 in 2020, and finished at $63 in 2021.
How does Dayton compare to neighboring areas?
Why are car insurance rates in Dayton different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Rate of car accidents
- Prevalence of crime
- Amount of off-street parking
- Amount of drivers in the area
Having an awareness of these factors is critical 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 understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, 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. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Dayton.
Dayton Insurance FAQs
What factors affect car insurance quotes in Dayton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Dayton different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Dayton or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.