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Last updated: October 13, 2025Best Cheap Car Insurance in Dayton
State Farm, USAA, and GEICO all offer highly competitive rates for auto insurance in Dayton, Ohio. Full coverage rates in Dayton fall below statewide and nationwide averages.
Cheapest
Editor's Rating: 4.9/5
Average Cost in Dayton
- Full Coverage Monthly: $75
- Minimum Coverage Monthly: $48
Best for Military and Veterans
Editor's Rating: 5/5
Average Cost in Dayton
- Full Coverage Monthly: $77
- Minimum Coverage Monthly: Data unavailable
Best for Online Quotes
Editor's Rating: 4.2/5
Average Cost in Dayton
- Full Coverage Monthly: $82
- Minimum Coverage Monthly: $60
Key Takeaways
- The average cost of full coverage car insurance in Dayton is $1,282, which is slightly lower than the Ohio average of $1,401. For minimum coverage, the average rate in Dayton is $755, which is about $150 more than the average rate for the whole state.
- State Farm, USAA, and GEICO offer some of the cheapest rates for auto insurance in Dayton, alongside Grange and Auto-Owners. GEICO and State Farm tend to have higher ratings for third-party customer satisfaction studies.
- Insurance premiums vary from person to person due to many factors including location, driving record, age, and credit score, so it is important to get quotes from multiple providers to see who will offer you the lowest rates.
Our Top Picks for the Best Cheap Auto Insurance in Dayton
- Cheapest: State Farm
- Best for Military and Veterans: USAA
- Best for Online Quotes: GEICO
- Best for Discounts: Auto-Owners
- Best for Local Agents: Grange
Compare the Best Cheap Auto Insurance in Dayton
| Company | Full coverage annual average | Minimum coverage annual average | North Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $901 | $570 | Above average |
| USAA | $929 | Data unavailable | Above average |
| GEICO | $984 | $720 | Above average |
| Auto-Owners | $1,033 | $660 | Below average |
| Grange | $913 | Data unavailable | Above average |
| Dayton | $1,282 | $755 | – |
Detailed List of the Best Cheap Providers in Dayton
1. Cheapest - State Farm
Why we chose it
State Farm has the cheapest average rates for both full and minimum coverage in Dayton. The company also scored several points above the North Central regional average for customer satisfaction in J.D. Power’s recent auto insurance study.
Who it’s best for
State Farm’s rates are cheapest for drivers with clean records and decent credit in Ohio. It’s a good choice for someone who wants the personalized one-on-one service of working with an agent. It also sells extra coverage for rideshare and delivery drivers.
State Farm Dayton Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $75 | $48 |
| Annually | $901 | $570 |
| Difference from Dayton average | -30% | -25% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Military-specific coverage
- Highest regional score on J.D. Power
- Legacy discount for young drivers
Why we chose it
USAA offers competitive prices for auto insurance in Dayton without compromising on service. While USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions, it received the highest regional score at 728 out of 1,000 — 85 points above the North Central average.
Who it’s best for
USAA is only available to military and their family members, along with some federal agency employees and pre-commissioned officers. If you qualify, it’s worth getting a quote.
USAA Dayton Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $77 | Data unavailable |
| Annually | $929 | Data unavailable |
| Difference from Dayton average | -28% | Data unavailable |
3. Best for Online Quotes - GEICO
What We Like Most:
- Fast online quotes
- Lower-than-average rates
- Wide variety of discounts
Why we chose it
GEICO’s rates for full and minimum coverage both fall below the Dayton average. Out of our top picks, GEICO has the least customer service complaints, according to the NAIC Complaint Index. One of the ways GEICO keeps rates low for its customers is by offering a variety of discounts.
Who it’s best for
GEICO is a good choice for someone who wants to purchase and manage their insurance policy digitally, rather than working with an agent. Its digital-first approach, combined with cheap rates, tend to make it a good choice for college students. It also has some of the cheapest average rates in Ohio for drivers with poor credit or a speeding ticket.
GEICO Dayton Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $82 | $60 |
| Annually | $984 | $720 |
| Difference from Dayton average | -23% | -5% |
4. Best for Discounts - Auto-Owners
What We Like Most:
- Broad range of discounts
- Offers gap insurance
- Coverage for modified or converted vehicles
Why we chose it
Auto-Owners has cheap average rates in Dayton, and is second-cheapest after State Farm for minimum coverage. The company tends to fare well for customer satisfaction in third party studies, especially the CRASH Network Report Card where it ranks 14th out of 97 with a B grade.
Who it’s best for
Auto-Owners policies are sold through independent agents, so the company is a good choice for Dayton drivers seeking lower-than-average rates and personalized service from local, independent agents. Auto-Owners offers specialized coverage options, including gap insurance as well as coverage for modified or converted vehicles, which can be beneficial for drivers with disabilities.
Auto-Owners Dayton Pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $86 | $55 |
| Annually | $1,033 | $660 |
| Difference from Dayton average | -19% | -13% |
5. Best for Local Agents - Grange
What We Like Most:
- Headquartered in Ohio
- Legacy loyalty discounts
- Good customer satisfaction
Why we chose it
Grange offers some of the cheapest rates for full coverage insurance, right behind State Farm. Local to Ohio (Grange was founded in Columbus), the company scored above-average in the North Central region on J.D. Power’s customer satisfaction study. It also offers unique, community-focused discounts, like a Legacy discount for drivers who were previously covered under a parent’s Grange policy and a New Beginnings Discount, for individuals who have recently gone through a divorce or major life change.
Who it’s best for
Grange is a good choice for drivers with clean records and decent credit, as well as drivers with at-fault accidents. Along with Erie, Grange offers some of the cheapest insurance in Ohio for drivers with an accident on their record.
Grange Dayton Pricing
| Grange | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $76 | Data unavailable |
| Annually | $913 | Data unavailable |
| Difference from Dayton average | -29% | Data unavailable |
Dayton Best Cheap Picks – Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Mid-Atlantic1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| State Farm | 646 | C- | 710 | 4.46 |
| USAA | 728 | D+ | 726 | 2.81 |
| GEICO | 651 | C- | 692 | 1.95 |
| Auto-Owners | 631 | B | 692 | 0.93 |
| Grange | 650 | C+ | Not rated | 3.62 |
| Average | 643 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Dayton
Ohio, on average, has rates for full coverage car insurance that are significantly lower than the national average. Dayton has average rates which are cheaper than the statewide average by over $100. State Farm, Grange, and USAA offer some of the cheapest full coverage auto insurance in the city, which are all nearly $1,500 less than the national average.
| Company | Annual Dayton Average | Monthly Ohio Average |
|---|---|---|
| State Farm | $901 | $75 |
| Grange | $913 | $76 |
| USAA | $929 | $77 |
| GEICO | $984 | $82 |
| Erie | $1,006 | $84 |
| Auto-Owners | $1,033 | $86 |
| American Family | $1,220 | $102 |
| Progressive | $1,422 | $119 |
| Dayton average | $1,282 | $107 |
| Ohio average | $1,401 | $117 |
| United States average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Dayton
Minimum coverage auto insurance in Dayton is both higher than the Ohio average and the national average. While State Farm and Auto-Owners have average rates which are comparable to the national average, most auto insurance companies offer minimum coverage in Dayton at higher rates. However, insurance rates vary from person to person based on many factors like driving record, age, and credit score. Therefore, it is important to get quotes from multiple providers to see who offers the best rates for you.
| Company | Annual Dayton Average | Monthly Dayton Average |
|---|---|---|
| State Farm | $570 | $48 |
| Auto-Owners | $660 | $55 |
| GEICO | $720 | $60 |
| Progressive | $786 | $66 |
| American Family | $804 | $67 |
| Dayton average | $755 | $63 |
| Ohio average | $504 | $42 |
| United States average | $635 | $53 |
READ FURTHER:
Find out if full coverage or minimum coverage is right for you with our comparison between the two types of coverage.
How many car accidents happen in Dayton?
As of October 6, 2025, there have been 8,694 crashes in Montgomery County where Dayton is located. Of those, 33 have been fatal crashes and 239 were suspected to involve serious injury. The majority of crashes — a little over 6,000 — have involved property damage only. 345 crashes involved alcohol, 366 involved distracted driving. Over 2,500 crashes involved young drivers.5
In 2024, there were 11,458 crashes in Montgomery County, among which 60 were fatal and 279 were suspected to involve serious injury. 7,981 involved property damage only.
DID YOU KNOW?
Interstate 75 is considered one of the most dangerous freeways in the U.S. and I-75 runs through Dayton, Ohio. It is important to be aware of your surroundings at all times, and important to know which roads are higher risk for accidents. According to the Ohio State Highway Patrol, IR-75 is the top crash route in Montgomery County, with 843 crashes so far in 2025.
Minimum Auto Insurance Requirements in Ohio
In Ohio, the minimum auto insurance requirements are 25/50/25:
- Injury/death of one person: $25,000
- Injury/death of two or more people: $50,000
- Property damage: $25,0006
Frequently Asked Questions
Who offers the best auto insurance in Dayton?
No individual provider is going to be the best auto insurance for every driver, though USAA, State Farm, and GEICO tend to offer the best balance of cost and service in Dayton. It’s important to get a quote from multiple providers to see who offers the lowest rates with the best coverage for you. Shop around with a few providers before purchasing a policy.
Why is minimum coverage insurance so expensive in Dayton?
Minimum coverage can be expensive in Dayton because insurance rates are based on risk, and certain factors in the Dayton area tend to increase that risk. Higher traffic density, more reported accidents, and elevated rates of vehicle theft all contribute to higher premiums. Local repair and medical costs can also drive prices up. While these factors impact everyone in the area, comparing quotes from multiple insurers is the best way to make sure you’re getting the lowest possible rate for your coverage needs.
How do I lower my car insurance premium?
There are many ways to lower your car insurance premium including improving your credit score, taking advantage of available discounts, raising your deductible (if you can afford to), dropping additional coverage, and bundling auto and home/renters insurance.
Is car insurance cheaper online?
Car insurance is not necessarily cheaper online, but some providers offer discounts for purchasing a policy online. USAA and GEICO are both examples of providers who have discounts for customers who purchase their auto insurance online. This is a simple way to save some money on your insurance premium.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Dayton, Ohio, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Writer
Grace Guy is a contributing writer and editor for AutoInsurance.com, where she covers topics related to car insurance, state laws and regulations, and industry trends. She translates complex insurance topics into clear, actionable information backed by up-to-date data and industry best practices. Grace is committed to helping drivers understand their coverage options and find the best value for their needs.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyInsurer Report Card – Top Rated U.S. Car Insurance Companies for 2025. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmCrash Dashboard. Ohio State Highway Patrol. (2025).
https://statepatrol.ohio.gov/dashboards-statistics/ostats-dashboards/crash-dashboardMandatory Insurance. Ohio Bureau of Motor Vehicles (BMV). (2025).
https://www.bmv.ohio.gov/dl-mandatory-insurance.aspx
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