Best Auto Insurance Rates in Dayton, Ohio

On average your neighbors pay $58 a month.

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Dayton, Ohio was famously the home of Orville and Wilbur Wright, the brothers who invented powered flight in 1903. In modern times, Dayton remains a hub for aerospace and aviation, which has led to many innovations in technology. For all the Gem City has given the world, its residents deserve affordable car insurance rates.

Average Dayton Car Insurance Rates

How much is car insurance in Dayton, OH? While average car insurance rates in Ohio are well below the national average, Dayton's urban driving and living conditions combine to keep rates high. Many drivers here pay more than both the state and national average. The average cost of auto insurance in Ohio is $702.59 a year. The national average cost is $889.01.

Prices may vary depending on your driving record, age, policy limits, coverage, and the total number of insurance claims filed in your zip code.

Ohio Average Annual Car Insurance Rates
Coverage Rates
Liability $388.88
Collision $260.20
Comprehensive $117.58
Total Cost Per Year $702.59
Price Per Month $58.54
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Ohio insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Ohio car insurance rates increased from $619 in 2011 to $702 in 2015, a jump of $82, or 13.37 percent.

Ohio average car insurance rates

QuoteWizard helps Dayton residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Dayton, Ohio and save up to 40% on your premium.

Last year, 10,506 people used QuoteWizard to compare auto insurance quotes in Dayton, OH from multiple companies to lower their rates.

Best Car Insurance Companies in Dayton, OH

This is our list of the most common car insurance companies reported by Dayton, Ohio drivers requesting quotes through QuoteWizard last year. Of the 10,506 Dayton drivers who requested quotes on QuoteWizard last year, only 713 did not have insurance.

Other popular Dayton car insurance companies: USAA, Erie, Safeco, MetLife, Country Financial, Travelers, Hartford, and Ohio Farm Bureau.

Top 10 Vehicles

These are the most common car makes and models owned by Dayton, Ohio drivers requesting quotes through QuoteWizard last year.

  1. Chevrolet Impala LS
  2. Chevrolet Blazer
  3. Chevrolet Cavalier
  4. Ford F150
  5. Chevrolet Malibu LS
  6. Buick LaSabre Custom
  7. Ford Taurus SE
  8. Pontiac Grand Prix
  9. Cadillac DeVille
  10. Honda Accord EX

Minimum Car Insurance Requirements in Dayton, OH

Dayton, Ohio drivers are required to maintain minimum liability coverage known as the 25/50/25 rule. This rule states that each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The total insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The maximum amount your insurance carrier will pay for property damage caused by a car accident.

Dayton Drivers

Dayton drivers scored better than drivers did from most US cities in a report published by Allstate Insurance. Dayton ranked 39th out of 200 cities for safe driving. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 10.1 years. Only 195 of the 10,506 Dayton drivers that used QuoteWizard last year reported incidents on their driving records.

Driving Conditions

Several factors that affect insurance rates are the weather and road conditions.


Dayton has a humid subtropical climate. This means summers are generally hot and humid. Winters are cold but dry. Dayton receives quite a bit of rainfall, averaging 41.05 inches annually. The wettest months are April through July with the slickest road conditions for commuters. Dayton may be far enough away from Lake Erie to avoid lake effects snow, but there is an average of 21.3 snowy days each year. Commuters deal with 22.3 inches of the white stuff on streets and highways during an average winter.

Road Conditions

According to a recent study by TRIP, 22% of the major roads in Dayton are in poor condition and 23% are mediocre. These poorly maintained, pothole-filled streets costs drivers $459 a year in extra vehicle operating costs.

Traffic Congestion

Recent transportation projects have done a lot to alleviate the traffic woes Dayton drivers have suffered for years. Unfortunately, as the economy improves, and funding for new projects dries up, congestion will worsen as new drivers arrive. TomTom's annual traffic index report has ranked Dayton as having the 70th worst traffic congestion in the United States. The average commuter spends an additional 10 minutes per hour stuck in traffic during peak commute times and 38 hours a year for commutes of 30 minutes.

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase expensive high-risk auto insurance.

Traffic Tickets

The Dayton Municipal Court website allows you to pay traffic citations and tells drivers how to contest tickets.

SR-22 OVI Insurance

There were 275 OVI enforcement stops made in Montgomery County in 2015.

An OVI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Dayton OVI insurance.

Traffic Fatalities

Dayton experienced 16 fatal motor vehicle crashes in 2014, with a recorded 17 deaths. All traffic deaths are a tragic loss, and considering Dayton’s estimated population of 140,489, this city ranks among the nation's safest in terms of traffic fatalities per capita.

Vehicle Theft Rates

Dayton reported 683 vehicle thefts in 2016. That's a rate of 4.86 thefts per 1,000 residents. This is more than double the national rate of 2.20 stolen cars per 1,000 people.

Car Insurance Discounts

If you want affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Dayton, OH.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies under one insurance company can save you as much as 20% on your premium
  2. Keep your driving record clean with no ticket or accidents to qualify for a safe driver or accident free discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  5. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.