According to Bankrate’s 2021 study of quoted annual premiums, the average cost of car insurance in Dayton is $352 for minimum liability coverage and $1,069 for a full coverage policy. Although Ohio is one of the cheapest states in the country for car insurance at $1,034 per year, drivers who live in Dayton pay a little more on average.
If you are purchasing a Dayton auto insurance policy, you may want to ensure that you have the best car insurance in Ohio. You will want the best car insurance in Dayton, as price is an important consideration. Five providers were chosen as the top cheap car insurance companies in Dayton based on affordability, accessibility, coverage, and pricing.
Dayton’s best car insurance company
To find the best car insurance companies in Dayton, Bankrate partnered with Quadrant Information Services to compare the latest company rates. Each company was evaluated based on its coverage options, customer resources, insurance discounts, and customer satisfaction ratings. Power Auto Insurance Study. These companies provide some of the most affordable car insurance in Dayton based on this information.
USAA
USAA is the highest-scored provider on J.D. This is a common case with this company. It has a stellar customer service record, although USAA only serves active-duty military and veteran drivers and their families. It offers accident forgiveness and medpay options if you are eligible. USAA offers excellent coverage and mobile tools, making it a worthwhile option for military-centric benefits.
Erie
As the highest-ranking company in the region for customer satisfaction, Erie could be an excellent choice for young drivers wanting a youthful driver discount, away at school discount and first accident forgiveness. There is also personal item coverage, pet insurance and Erie’s signature Auto Plus program. There is also the Roadside and Rentals bundle for those who need it. It includes the standard inclusions of auto glass repair and locksmith services.
Geico
Geico’s North Central region ranking is just below the industry average, but it’s well-known for its affordability. It may be fantastic for drivers who want full coverage for their vehicle, with options of emergency roadside service, rental reimbursement and mechanical breakdown insurance. A new car could earn you an additional discount. Geico offers special savings for federal employees, and certain membership groups.
State Farm
State Farm is ranked second in customer satisfaction. They offer great online and mobile tools that make it easy to file claims. You have the option of car rental, travel expenses and emergency roadside assistance insurance. Steer Clear and Drive Safe & Save are its signature discount programs, offering savings opportunities for younger and older drivers. You can also save up to 17% when you bundle your auto insurance with your homeowners, renters, condo or life insurance policy.
Auto-Owners
Auto-Owners not only scores high for customer satisfaction but also excels in its broad coverage. There are two options available: new car replacement or diminished value coverage. The Personal Automobile Plus Package is also available. Auto-Owners provides loan or lease coverage for those who lease vehicles. This is also known as gap insurance. There are many discounts available, including digital billing, advance quote and favorable loss history, as well as teen driver discounts. Auto-Owners may even give you a special discount when you buy a life insurance policy through them as well.
Cheapest car insurance in Dayton
Car insurance in Dayton is relatively affordable, even though it is slightly more than the average cost of car insurance in Ohio. Despite the fact that car insurance costs in the United States average $1,674 annually, it is worth living in Dayton where insurance is much cheaper at $1,069 per year. It is possible to save money by selecting the best Dayton car insurance companies for the lowest premium.
USAA is consistently ranked as the top performing region for customer satisfaction in many J.D. Although Power surveys are not officially ranked due to eligibility requirements, they can be. Erie and State Farm are also highly ranked, with the two highest overall satisfaction scores in the region. Geico is slightly lower than the industry average. Both Geico and Auto-Owners have an impressive selection of car insurance discounts, as well as financial strength and online tools that make them one of the best car insurance companies in Dayton.
Dayton insurance requirements
Drivers in the state of Ohio are required to carry a minimum amount of car insurance to protect themselves and others on the road. All Dayton drivers are required by law to carry the following minimum coverages:
- $25,000 for bodily injuries liability or death of one individual
- $50,000 bodily injury liability, death or permanent disability of more than one person in an accident
- $25,000 to cover property damage liability for an accident
Although full coverage insurance may not be required, agents recommend considering purchasing enough insurance to adequately protect your finances following an accident. You could end up paying more for damages in an auto accident than you can afford. This could lead to financial ruin. Additionally, many lenders will require collision and comprehensive coverages if you lease or finance your vehicle.
Dayton car insurance discounts
There are many ways you can lower your car insurance costs and save money on your premium. Many insurance companies will offer car insurance discounts for your policy, such as these:
- Safe driver: Many discounts are available to reward safe driving and completing defensive driving courses.
- Age: Your age might save you money, with several companies offering special discounts for senior drivers, college students and even teen drivers.
- Insurance: If you have continuous insurance, aren’t subject to claims or bundle policies such as your auto and home insurance, you could save money on your car insurance.
- Payment: Your insurance premium payment could be reduced by using discounts like pay-in-full or automatic payments, as well as online and offline payments.
Dayton can experience harsh winters and severe storms in the summer. While you may not be in control of Mother Nature and the damage she causes, discounts that reward your efforts to reduce your risk are worth it. Consider speaking to your insurance provider to see what kinds of personal discounts you can receive, such as loyalty, welcome and multi-policy discounts.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance companies vary for everyone, which is why it is important to explore your options to see which provider fits your needs. Compare auto insurance quotes from multiple companies to ensure you find the best one that covers your vehicle.
What amount of car insurance do you need in Dayton
To legally drive a car in Dayton, you must have the minimum amount of auto insurance. Ohio law requires that you have at least $25,000 coverage for an individual’s injury or death in an accident. $50,000 is for an injury or death per accident. $25,000 is for property damage liability. If you lease or finance your vehicle, however, you might be required to have more coverage.
What is the cost of car insurance in Dayton?
Dayton car insurance costs $1,069 for complete coverage. However, the cost of auto insurance is heavily personalized based on several rate factors, such as the make and model of your car, your ZIP code, credit score, age and gender.
