Cheap Car Insurance in Dayton, Ohio (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheap Car Insurance in Dayton, Ohio (October 2025)

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Ohio has passed laws to crack down on distracted driving and “hooning”, which includes illegal street racing and stunts. But drivers in Dayton still have to deal with hazards such as winter weather and heavy traffic at the crossroads of Interstates 70 and 75.

You’ll need car insurance to zip around Dayton legally. Jerry’s data can help drivers in Dayton find the cheapest car insurance for their needs, based on factors like age and driving history.

More: Best car insurance in Ohio

Cheapest minimum coverage in Dayton, Ohio

Here are the cheapest minimum coverage quotes that drivers in Dayton received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$27 $322 Progressive 37 06/13/25 Dayton, OH 45429
$29 $342 Geico 43 06/10/25 Dayton, OH 45404
$33 $400 Progressive 43 06/21/25 Dayton, OH 45431
$34 $404 Progressive 30 09/03/25 Dayton, OH 45429
$35 $420 Geico 52 08/21/25 Dayton, OH 45414
$35 $424 Geico 28 09/18/25 Dayton, OH 45420
$37 $446 Assurance America 43 09/22/25 Dayton, OH 45424
$38 $458 National General 49 09/19/25 Dayton, OH 45424
$38 $460 Bristol West 38 06/15/25 Dayton, OH 45431
$39 $462 Geico 37 07/19/25 Dayton, OH 45424
Last Updated Oct. 15, 2025

Ohioans are required to have the following minimum coverages:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 for property damage liability.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Jerry finds quotes from 50 insurance partners fast.

More: Cheapest car insurance in Ohio

Cheapest full coverage insurance in Dayton

Full coverage pays for damage to your car if it gets damaged from vandalism, theft, collisions and weather-related incidents. Here are the cheapest full coverage quotes that drivers in Dayton have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$41 $496 Progressive 38 06/15/25 Dayton, OH 45431
$49 $582 Progressive 39 06/16/25 Dayton, OH 45414
$49 $584 Progressive 57 08/06/25 Dayton, OH 45410
$56 $674 Progressive 26 05/06/25 Dayton, OH 45420
$57 $686 Geico 48 10/08/25 Dayton, OH 45403
$60 $720 Progressive 38 06/17/25 Dayton, OH 45459
$64 $762 National General 28 09/18/25 Dayton, OH 45420
$66 $786 Progressive 68 09/30/25 Dayton, OH 45406
$66 $794 National General 47 09/19/25 Dayton, OH 45420
$67 $802 Liberty Mutual 67 07/20/25 Dayton, OH 45424
Last Updated Oct. 15, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

Cheapest car insurance for young drivers in Dayton (18-29 years old)

Young drivers usually pay a higher rate for car insurance because of their lack of driving experience, which insurers see as a risk. If you are a young driver looking for the best rate, shopping for car insurance can help you find it. Here are the cheapest quotes that young Jerry customers in Dayton have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$50 $604 Gainsco 24 No 08/13/25 Dayton, OH 45402
$56 $674 Progressive 26 Yes 05/06/25 Dayton, OH 45420
$64 $762 National General 28 Yes 09/18/25 Dayton, OH 45420
$68 $816 Progressive 23 No 05/14/25 Dayton, OH 45459
$80 $957 Dairyland 28 No 08/02/25 Dayton, OH 45402
$60 $720 Progressive 38 06/17/25 Dayton, OH 45459
$64 $762 National General 28 09/18/25 Dayton, OH 45420
$66 $786 Progressive 68 09/30/25 Dayton, OH 45406
$66 $794 National General 47 09/19/25 Dayton, OH 45420
$67 $802 Liberty Mutual 67 07/20/25 Dayton, OH 45424
Last Updated Oct. 15, 2025

Cheapest car insurance for mature drivers in Dayton (30-54 years old)

Mature drivers usually get cheaper premiums than younger drivers, but it’s wise to shop for quotes to ensure you’re getting the best rate possible. These are the cheapest quotes that mature drivers in Dayton have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$27 $322 Progressive 37 No 06/13/25 Dayton, OH 45429
$29 $342 Geico 43 No 06/10/25 Dayton, OH 45404
$34 $404 Progressive 30 No 09/03/25 Dayton, OH 45429
$35 $420 Geico 52 No 08/21/25 Dayton, OH 45414
$35 $424 Progressive 43 Yes 06/22/25 Dayton, OH 45431
$60 $720 Progressive 38 06/17/25 Dayton, OH 45459
$64 $762 National General 28 09/18/25 Dayton, OH 45420
$66 $786 Progressive 68 09/30/25 Dayton, OH 45406
$66 $794 National General 47 09/19/25 Dayton, OH 45420
$67 $802 Liberty Mutual 67 07/20/25 Dayton, OH 45424
Last Updated Oct. 15, 2025

Cheapest car insurance for older drivers in Dayton (55+ years old)

Drivers that are 55 and older typically pay the lowest rates for auto insurance, though rates start ticking upwards as they reach their 70s. Here are the cheapest quotes that seniors in Dayton have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$33 $400 Assurance America 59 10/05/25 Dayton, OH 45405 No
$44 $532 Assurance America 64 09/11/25 Dayton, OH 45430 No
$48 $579 The General 55 07/21/25 Dayton, OH 45434 No
$49 $584 Progressive 57 08/06/25 Dayton, OH 45410 Yes
$54 $650 Gainsco 83 07/08/25 Dayton, OH 45431 No
$60 $720 Progressive 38 06/17/25 Dayton, OH 45459
$64 $762 National General 28 09/18/25 Dayton, OH 45420
$66 $786 Progressive 68 09/30/25 Dayton, OH 45406
$66 $794 National General 47 09/19/25 Dayton, OH 45420
$67 $802 Liberty Mutual 67 07/20/25 Dayton, OH 45424
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with clean records in Dayton

Drivers with clean driving records typically get rewarded with the lowest premiums. Here are the cheapest quotes that drivers in Dayton with no violations, claims or accidents have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$23 $274 Progressive 38 06/15/25 No Dayton, OH 45414
$25 $294 Progressive 49 09/19/25 No Dayton, OH 45424
$33 $394 Progressive 41 07/30/25 No Dayton, OH 45431
$33 $400 Assurance America 59 10/05/25 No Dayton, OH 45405
$35 $424 Safeco 36 06/14/25 No Dayton, OH 45426
$37 $438 Geico 34 05/30/25 No Dayton, OH 45403
$37 $444 Trexis 36 06/13/25 No Dayton, OH 45431
$40 $481 Commonwealth Insurance 34 05/07/25 No Dayton, OH 45424
$42 $508 Dairyland 51 06/12/25 No Dayton, OH 45404
$43 $516 Trexis 39 06/16/25 No Dayton, OH 45431
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in Dayton

Insurers in Ohio can use your credit score to determine your premium, and a lower score will likely cause your premiums to be higher than a driver with a higher score. When you near your policy’s renewal date, get quotes from various insurers to help you get a cheaper rate. Here are the cheapest quotes that drivers with credit scores below 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $39 $473 Trexis 28 04/22/25 Dayton, OH 45429
<550 $43 $517 The General 54 02/17/25 Dayton, OH 45414
<550 $52 $621 Trexis 55 10/11/25 Dayton, OH 45414
<550 $58 $694 National General 64 06/19/24 Dayton, OH 45424
<550 $59 $706 Trexis 37 09/27/24 Dayton, OH 45417
$37 $438 Geico 34 Dayton, OH 45403
$37 $444 Trexis 36 Dayton, OH 45431
$40 $481 Commonwealth Insurance 34 Dayton, OH 45424
$42 $508 Dairyland 51 Dayton, OH 45404
$43 $516 Trexis 39 Dayton, OH 45431
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in Dayton

Drivers with at-fault accidents on their records are likely to pay higher premiums. If you have recently been in an accident, get quotes from several insurers to find the lowest rate. Here are the cheapest quotes for drivers in Dayton with at-fault accidents on their records, based on Jerry’s data.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $45 $542 Progressive 47 Yes 09/28/24 Dayton, OH 45415
At Fault With No Injury $51 $612 Progressive 28 No 06/14/25 Dayton, OH 45410
At Fault With No Injury $61 $733 Commonwealth Insurance 33 No 09/06/24 Dayton, OH 45424
At Fault With No Injury $66 $788 Progressive 52 Yes 06/11/25 Dayton, OH 45431
At Fault With No Injury $67 $804 Progressive 56 No 10/12/25 Dayton, OH 45406
$37 $438 Geico 34 No Dayton, OH 45403
$37 $444 Trexis 36 No Dayton, OH 45431
$40 $481 Commonwealth Insurance 34 No Dayton, OH 45424
$42 $508 Dairyland 51 No Dayton, OH 45404
$43 $516 Trexis 39 No Dayton, OH 45431
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with speeding tickets in Dayton

Your premium will likely increase if you’ve received a speeding citation. It’s wise to compare quotes from various insurers to ensure you are getting the best rate possible. Here are the cheapest quotes for drivers with speeding tickets in Dayton, based on Jerry’s quote data.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding over 15 $50 $600 Geico 22 09/26/25 Dayton, OH 45416
Speeding over 15 $59 $702 ROOT 41 04/29/25 Dayton, OH 45424
Speeding over 15 $72 $866 National General 36 07/17/25 Dayton, OH 45424
Speeding over 15 $84 $1,003 The General 34 09/22/25 Dayton, OH 45414
Speeding over 15 $84 $1,006 The General 49 09/11/25 Dayton, OH 45417
$37 $438 Geico 34 05/30/25 Dayton, OH 45403
$37 $444 Trexis 36 06/13/25 Dayton, OH 45431
$40 $481 Commonwealth Insurance 34 05/07/25 Dayton, OH 45424
$42 $508 Dairyland 51 06/12/25 Dayton, OH 45404
$43 $516 Trexis 39 06/16/25 Dayton, OH 45431
Last Updated Oct. 15, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Our experts
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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