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How much is car insurance in Dayton?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 a month more expensive to insure your vehicle in Dayton than it is in the rest of Texas.
Conversely, car insurance rates in Dayton are often favorable when viewed against the rest of the country. Car insurance rates for the U.S. as a whole are, on average, $8 more expensive than the rates you'd pay in Dayton.
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. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Dayton and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Dayton Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Dayton drivers may see their rates creep back up once they hit retirement.
Dayton Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Dayton, where women pay around $6 less a month. As illustrated in the table above, female drivers in the area pay about $69 on average, while male drivers pay around $75 each month.
Dayton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay much less than those with infractions. The rate for drivers in Dayton with a single accident on their record is about $91 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $77.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Dayton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$67|
As you can see in the first table above, the cheapest vehicles to insure in Dayton are by and large SUVs, which run about $68 per month.
Truck and van drivers will see rates of about $75 for auto insurance coverage, while SUV owners usually pay around $68 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Dayton, the most expensive vehicles to insure are vehicles less than one year old.
Dayton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$82|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Dayton can be as much as $25 a month, so it's worth keeping that in mind.
Dayton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$130|
Your housing situation is another factor that affects your monthly rate. Those who own their own home in Dayton can expect to pay around $6 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Dayton, TX
Recent trends in car insurance for Dayton drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Dayton, auto insurance rates decreased from 2019-2020, when they reached a low of $61. This trend leveled out in 2021, when they began to increase, and have continued moving in that direction through the present, where policy premiums finished at $78 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 a monthly rate, car insurance companies will consider several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Rate of car accidents
- Total number of drivers in the community
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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.
But wait! 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 bulk of the car insurance companies offering coverage in Dayton.
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Dayton Auto 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 you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Dayton different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Dayton?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Dayton?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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.
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