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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.
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. The average cost of auto insurance in Ohio is $682.70 a year. The national average cost for coverage is $866.31.
Prices may vary depending on your driving record, age, policy limits, coverage, and the total number of insurance claims filed in your zip code.
|Total Cost Per Year||$682.70|
|Price Per Month||$56.89|
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, and find the lowest rates.
These are the most common car makes and models owned by Dayton drivers requesting quotes through QuoteWizard last year.
This is our list of the most common car insurance companies reported by Dayton, OH 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, Ohio car insurance companies: USAA, Erie, Safeco, MetLife, Country Financial, Travelers, Hartford, and Ohio Farm Bureau.
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.
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.
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.
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 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.
The Dayton Municipal Court website allows you to pay traffic citations and tells drivers how to contest tickets.
The City of Dayton has installed 20 red light and speed enforcement cameras at busy intersection around the city.
According to the Photo Enforcement Program website, No points are imposed against a violator's driving record if you're cited for speeding or running a red light by the automated system. However, drivers with three or more outstanding parking, red light camera, or speeding camera violations are subject to having their vehicle impounded.
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.
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.
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.
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:
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. Get a free quote to find out which discounts you may qualify for.
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