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How much is car insurance in Dayton?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Dayton are about $6 a month more expensive than the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Dayton. The average monthly payment for the U.S. as a whole is about $10 more expensive than in Dayton.
These rates may be the average amount Dayton residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Dayton so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Dayton may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Dayton, where male drivers pay about $6 more a month. Based on the chart above, you can see that male drivers pay $75 on average, while female drivers typically pay $69 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay less than those with infractions. In Dayton, a driving record with a single accident will usually get you a rate around $90 a month. In addition, drivers with a single ticket on their record can expect to pay around $77 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$66|
In Dayton, the cheapest vehicles to insure are by and large SUVs and cars, with drivers paying around $70 per month to insure their vehicle.
Truck and van drivers will see rates of about $74, while the rates for SUV owners average out to about $70 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Dayton, the most expensive vehicles to insure are vehicles less than one year old.
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 occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Dayton reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $28 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$130|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Dayton. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Dayton, TX
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 shopping for coverage.
Car insurance rates in Dayton decreased from 2019-2020, when they reached a low of $61. This trend changed in 2021, when they began to increase, and have continued on that path through 2022, when policy premiums hit a high of $90 a month.
How does Dayton compare to neighboring areas?
Why are car insurance rates in Dayton different from other areas?
Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area crime rates
- Number of drivers in the region
- Road safety
- Off-street parking availability
- Community laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Dayton?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Dayton.
Dayton Insurance FAQs
What factors affect car insurance quotes in Dayton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Dayton?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Dayton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.