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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
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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 |
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
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $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 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $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 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
|
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 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Quote
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City, State
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ZIP Code
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Has Full Coverage
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|---|
|
Monthly Quote
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Annual Quote
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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 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Quote
|
Has Full Coverage
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City, State
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ZIP Code
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|---|
|
Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
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Date of Quote
|
Has Full Coverage
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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 |
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.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|
|
Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| <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 |
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.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|---|
| 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 |
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.
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Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
|
Violation Summary
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Monthly Quote
|
Annual Quote
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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 |
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.
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.
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.
