According to Bankrate’s 2022 study of quoted annual premiums, the average cost of car insurance in Dayton is $352 for minimum liability coverage and $1,069 for a full coverage policy. Although Ohio is one of the cheapest states in the country for car insurance at $1,034 per year, drivers who live in Dayton pay a little more on average.
If you are purchasing a Dayton auto insurance policy, you may want to ensure that you have the best car insurance in Ohio. However, since price is an important factor, you likely also want to find the cheapest car insurance in Dayton available. Based on factors like pricing, availability, accessibility and coverage, five providers stood out as being some of the best cheap car insurance companies in Dayton for 2022.
Best cheap car insurance companies in Dayton
To find the best car insurance companies in Dayton, Bankrate partnered with Quadrant Information Services to compare the latest company rates. We assessed each company based on their coverage options, customer resources and insurance discounts, as well as customer satisfaction ratings for the North Central region from the 2021 J.D. Power Auto Insurance Study. Based on this information, these companies offer some of the best cheap car insurance in Dayton.
|Insurance company||J.D. Power score (North Central region)||Average annual premium for minimum coverage||Average annual premium for full coverage|
|USAA||*895 / 1,000||$259||$800|
|Erie||857 / 1,000||$277||$1,013|
|Geico||837 / 1,000||$319||$819|
|State Farm||851 / 1,000||$332||$957|
|Auto-Owners||842 / 1,000||$354||$1,062|
*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power.
USAA is the most highly scored provider on the J.D. Power survey, which is typically the case for this company. It has a stellar customer service record, although USAA only serves active-duty military and veteran drivers and their families. If you qualify, its coverage offers options for medpay and accident forgiveness. With excellent mobile tools and nationwide coverage, USAA is worth considering for those who can benefit from its military-centric options.
Learn more: USAA Insurance review
As the highest-ranking company in the region for customer satisfaction, Erie could be an excellent choice for young drivers wanting a youthful driver discount, away at school discount and first accident forgiveness. There is also personal item coverage, pet insurance and Erie’s signature Auto Plus program. If you run into trouble on the road, there is the roadside and rentals bundle, as well as the standard inclusions for auto glass repair and locksmith services.
Learn more: Erie Insurance review
Geico ranks just below the industry average for the North Central region, but is known for its great affordability. It may be fantastic for drivers who want full coverage for their vehicle, with options of emergency roadside service, rental reimbursement and mechanical breakdown insurance. You could even earn an extra discount for having a new car. Geico offers exclusive savings for federal employees and certain membership groups.
Learn more: Geico Insurance review
State Farm ranks second in customer satisfaction and offers fantastic online and mobile tools for an easy claims process. Insurance options include car rental and travel expenses coverage, in addition to emergency roadside service. Its signature discount programs include Steer Clear and Drive Safe & Save, which offer savings opportunities for both younger and older drivers, respectively. You can also save up to 17% when you bundle your auto insurance with your homeowners, renters, condo or life insurance policy.
Learn more: State Farm Insurance review
Auto-Owners receives great scores for customer satisfaction, but also shines with its wide array of coverage. You can choose from new car replacement and diminished value coverage, in addition to its signature Personal Automobile Plus Package. For those who lease a vehicle, Auto-Owners offers loan or lease coverage, also known as gap insurance. Discounts are plentiful and include digital billing, advance quote, favorable loss history and teen driver discounts. Auto-Owners may even give you a special discount when you buy a life insurance policy through them as well.
Learn more: Auto-Owners Insurance review
Cheapest car insurance in Dayton
Car insurance in Dayton is relatively affordable, even though it is slightly more than the average cost of car insurance in Ohio. However, while the country’s average cost of car insurance is $1,674 per year, it pays to live in Dayton, where insurance is considerably cheaper at just $1,069 annually, on average. Still, it helps to save money where you can by choosing the best car insurance companies in Dayton for the most affordable premium.
These are the cheapest car insurance companies in Dayton, based on large market share and price:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
As is the case with most regions, USAA consistently holds the best scores for customer satisfaction in several J.D. Power surveys, though due to its eligibility requirements, it is not able to be officially ranked. Erie and State Farm also receive notably high rankings, with two of the highest-scoring marks for overall satisfaction in the region this year. Comparatively, Geico trails slightly below the industry average. Still, both Geico and Auto-Owners offer an excellent selection of car insurance discounts with impressive online tools and financial strength, further helping them earn a place among our best carriers for cheap Dayton car insurance.
Dayton insurance requirements
Drivers in the state of Ohio are required to carry a minimum amount of car insurance to protect themselves and others on the road. All Dayton drivers are required by law to carry the following minimum coverages:
- $25,000 for bodily injury liability or death of one person
- $50,000 for bodily injury liability or death of two or more people in an accident
- $25,000 for property damage liability in an accident
Although full coverage insurance may not be required, agents recommend considering purchasing enough insurance to adequately protect your finances following an accident. If you are at fault in a car accident, you could be responsible for more damages than you can afford, risking financial devastation. Additionally, many lenders will require collision and comprehensive coverages if you lease or finance your vehicle.
Car insurance discounts in Dayton
There are many ways to lower the cost of your car insurance and save money on your premium. Many insurance companies will offer car insurance discounts for your policy, such as these:
- Safe driver: There are many discounts that reward you for safe driving, successfully completing a defensive driving course and having low mileage.
- Age: Your age might save you money, with several companies offering special discounts for senior drivers, college students and even teen drivers.
- Insurance: Your car insurance policy could save you money if you maintain continuous insurance, are claims-free or bundle policies like your home and auto insurance.
- Payment: How you pay your insurance premium could reduce your premiums with discounts such as pay-in-full, automatic payments and online payments.
In Dayton, winters can be harsh and summers can bring fierce storms. You may not be able to control Mother Nature or the damage it causes, but discounts that reward you for reducing your insurable risk can be worthwhile. Consider speaking to your insurance provider to see what kinds of personal discounts you can receive, such as loyalty, welcome and multi-policy discounts.
Frequently asked questions
What is the best car insurance company?
The best car insurance companies vary for everyone, which is why it is important to explore your options to see which provider fits your needs. Be sure to find and compare auto insurance quotes from several companies so you can find the best provider with the right coverage for your vehicle.
How much car insurance do I need in Dayton?
You must carry a minimum amount of car insurance to legally operate a vehicle in Dayton. Ohio law stipulates that the minimum amount of coverage required includes $25,000 for the injury or death of a single person in an accident, $50,000 for injury or death per accident and $25,000 for property damage liability in an accident. However, you may be required to carry more coverage if you lease or finance your vehicle.
How much does car insurance in Dayton cost?
The average cost of Dayton car insurance is $1,069 for full coverage. However, the cost of auto insurance is heavily personalized based on several rate factors, such as the make and model of your car, your ZIP code, credit score, age and gender.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.