Cheapest Car Insurance Companies in Dayton, Ohio (2022)

Erie offers the cheapest rates for Dayton drivers, with a monthly rate of $73 for full-coverage car insurance.

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Key Takeaways

  • Erie offers the cheapest rates for almost all drivers, including senior drivers, teens and drivers with a speeding ticket. 
  • Dayton drivers pay about 40% less than the average Ohio driver pays for minimum-coverage car insurance 

In this article

The cheapest car insurance companies in Dayton, Ohio

Here are the cheapest car insurance companies for drivers in Dayton, according to our analysis of the city’s top providers.

  • Erie - Cheapest overall
  • State Farm - Cheapest for drivers with a DUI

Erie offers the cheapest overall rates for our base driver as well as teens, seniors and drivers with an at-fault accident or speeding ticket.

State Farm is the cheapest insurer for drivers with a DUI and the second-cheapest insurer for  most of the driver categories included in this analysis. 

Ohio car insurance state minimums

Drivers in Dayton, Ohio need 25/50/25 car insurance, at a minimum. 

This means policies must have at least the following liability coverage limits.

Ohio car insurance requirements
Coverage type State requirements
Bodily injury liability $25,000 per person/$50,000 per accident
Property damage liability $25,000 per accident

Ohio drivers who don’t want to buy state-minimum car insurance can prove financial responsibility with:

  • A surety bond of $30,000 issued by an authorized surety or insurance company.
  • An Ohio Bureau of Motor Vehicles (BMV) bond secured by real estate with equity of at least $60,000.
  • A BMV certificate for money or government bonds in the amount of $30,000 on deposit with the Ohio Treasurer of State.

Cheapest minimum-coverage auto insurance rates in Dayton: Erie

Minimum-coverage auto insurance rates
Insurance company Monthly rate
Erie $29
State Farm $40
Progressive $44
GEICO $50
Average $41
Nationwide $74
Allstate $79
Grange $82
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record.

Cheapest full-coverage auto insurance rates in Dayton: Erie

Full-coverage auto insurance rates
Insurance company Monthly rate
Erie $73
State Farm $81
Grange $90
GEICO $96
Average $85
Progressive $118
Nationwide $159
Allstate $184
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record.

Drivers in Dayton save about 34% on full-coverage car insurance compared to the average Ohio driver, paying $85 a month compared to the state average of $120. 

Full-coverage car insurance covers liability and property damage in your own vehicle, and is required if you’re leasing or financing your car. It’s more expensive, but can be worth the cost if you drive a new and/or expensive car that would cost a lot to replace or fix.

Cheapest car insurance for drivers with a prior incident

Erie has the cheapest car insurance rates for drivers with a speeding ticket and/or an at-fault accident on their record. 

State Farm has the cheapest car insurance rates for drivers with a DUI.

Cheapest for drivers with a speeding ticket: Erie

Rates for drivers with a speeding ticket
Insurance company Monthly rate
Erie $73
State Farm $89
GEICO $121
Grange $133
Average $120
Progressive $146
Nationwide $200
Allstate $231
Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket.

Drivers with a speeding ticket can see their car insurance rates go up as much as 95% after getting a speeding ticket, according to our research. A speeding ticket can stay on your driving record for three to five years, so it’s important to compare car insurance rates.

Cheapest for drivers with an at-fault accident: Erie

Rates for drivers with an at-fault accident
Insurance company Monthly rate
Erie $91
State Farm $97
Grange $145
Progressive $180
GEICO $184
Nationwide $242
Allstate $306
Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his record.

For drivers with an at-fault accident on their record, Erie offers the cheapest rates at $91 a month for full coverage. 

Having an accident on your record can raise your rates by up to 50%, on average. 

Cheapest for drivers with a DUI: State Farm

Rates for drivers with a DUI
Insurance company Monthly rate
State Farm $89
Erie $108
Grange $129
Progressive $136
GEICO $220
Allstate $257
Nationwide $314
Rates are for full-coverage car insurance for a 35-year-old male with one DUI.

Rates are for full-coverage car insurance for a 35-year-old male with one DUI.

Drivers with a DUI on their record should look to State Farm for the cheapest car insurance rates. The company charges $89 a month for full coverage. 

Cheapest car insurance for senior drivers: Erie

Rates for senior drivers
Insurance company Monthly rate
Erie $70
State Farm $76
Grange $93
Progressive $94
GEICO $97
Nationwide $135
Allstate $169
Rates are for full-coverage car insurance for a 60-year-old male with a good driving record.

The cheapest car insurance rates for senior drivers in Dayton comes from Erie. State Farm also offers cheaper rates to seniors, at $76 a month. 

Cheapest car insurance for young drivers: Erie

Rates for teen drivers
Insurance company Monthly rate
Erie $178
Grange $190
State Farm $262
GEICO $290
Progressive $369
Allstate $471
Nationwide $703
Rates are for full-coverage car insurance for an 18-year-old male with a good driving record

Teen drivers looking for the cheapest car insurance should turn to Erie for the cheapest rates. A full-coverage policy for teen drivers in Dayton should expect to pay around $178 per month from Erie. Teen drivers typically pay a lot more than adult drivers because they are a riskier age group to insure. 

Car insurance laws in Ohio

SR-22 Insurance

An SR-22 is a form your insurance company files with the DMV to prove you have the car insurance coverage your state requires. 

After being convicted of a major traffic violation, such as a DUI or driving without insurance, you are required to file an SR-22 to prevent your license from being revoked or suspended.

If the state of Ohio places a non-compliance or judgment suspension on you, you might need to file an SR-22 form. The state may place a non-compliance suspension on you if you fail to show proof of insurance at a traffic stop or at the time of an accident. In this case, you’ll need to file an SR-22 for three years.

Dayton Car insurance: FAQs

Who has the cheapest car insurance in Dayton?

Erie has the cheapest car insurance in Dayton, with monthly rates of $29 for minimum coverage and $73 for full coverage. 

What is the average cost of car insurance in Dayton, Ohio?

The average cost of minimum-coverage car insurance in Dayton is $41 per month, and the average cost of full-coverage car insurance is $85 per month. 

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Dayton ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Ohio’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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