Dayton Auto Insurance Rates, Quotes, Agents & Reviews in OH

Dayton, OH Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Dayton, OH, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Dayton, OH are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Dayton, OH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Dayton, OH with that of other cities in and around Dayton.

Dayton Riverside Moraine Harrison Oakwood Drexel
Average Insurance Rates $1,003 $1,313 $1,317 $1,002 $1,127 $1,267

Dayton, OH Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Dayton, OH based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Dayton $1,599 $1,350
Harrison $1,525 $1,288
Riverside $1,229 $1,038
Oakwood $1,701 $1,436
Montgomery County $1,619 $1,368
Drexel $1,855 $1,567
Moraine $1,260 $1,064
Kettering $1,647 $1,391

Dayton, OH Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Dayton, OH usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,255
20 Years $1,289
30 Years $993
40 Years $955
50 Years $884
60 Years $897
70 Years $1,044

Dayton, OH Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Dayton, OH can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,765 $241
3 Vehicles $2,648 $361
4 Vehicles $3,531 $481

Savings on 2 Vehicles bundle:$241

Savings on 3 Vehicles bundle:$361

Savings on 4 Vehicles bundle:$481


Dayton, OH Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Dayton, OH.

Location Average Insurance Cost Post DUI Insurance Rate
Dayton $1,003 $1,623
Harrison $1,002 $1,622
Riverside $1,313 $2,125
Oakwood $1,127 $1,824
Montgomery County $1,039 $1,682
Drexel $1,267 $2,051
Moraine $1,317 $2,132
Kettering $1,050 $1,699

Dayton, OH Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $861
Excellent (740-799) $982
Good (670-739) $1,045
Average (580-669) $1,364
Poor (300-579) $1,636

Dayton, OH Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Marsh & Mclennan Agency Llc Travelers 409 E MONUMENT AVE STE 400, DAYTON, 45402 937-228-4135
Joel Gruber State Farm 7283 Old Troy Pike, Huber Heights, 45424-2660 937-233-7300
Wyatt Ins Group Inc Nationwide 5224 Springboro Pike, Moraine, 45439-2971 (937) 298-0129
Guild & Landis, Inc. None 332 Linwood Street, Dayton, 45405 None
Darrell Haworth Lutcf Farmers 350 W National Rd, Vandalia, 45377 (937) 890-7133
Buckner & Associates Agency Inc Travelers 2217 Miamisburg Centerville Rd , Dayton, 45459 None
Brian E. Lampton Agency, Inc. Dba Lampton/Engle & Assoc. Ins. & Fin Svc None 1326 Parkway Ct, Beavercreek, 45432 None
Michael Kaufman Farmers 3888 Indian Ripple Rd, Beavercreek, 45440 (937) 424-0643
Lighthouse Agency Inc Erie 2794 MACK ROAD, FAIRFIELD, 45014 513-860-9100
Wagner Insurance Agency Inc. None 505 E Stroop Rd, Kettering, 45429 (937) 203-2022
Gary Schork State Farm 7216 Montgomery Road, Cincinnati, 45236-3920 513-891-2263

Dayton, OH Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$44 $1,047
Driver's Failure In Showing Documents +$97 $1,100
Driving With An Expired Registration +$103 $1,106
Driving At A Considerably Slow Pace +$218 $1,221
Using A Cellphone While Driving +$230 $1,233
Running A Red Light +$234 $1,237
Speeding +$246 $1,249
Driving A Vehicle Without The Required Permission +$312 $1,315
Driving With An Expired/Suspended License +$676 $1,679

Dayton, OH Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $963
Active Disabling Device $963
Tracking Device $943
Passive Disabling Device $933

Latest Auto Insurance Reviews in Dayton, OH | Back to Top

Donegal Mutual Insurance Company
it is the same company as the home insurance so the customer service experience is the same as in previous answer.
West Bend Mutual Insurance
My car insurance policy is on par with other providers. I recently shopped for insurance and found that other companies offer very similar offerings. However, my current company beat the others on price.
Progressive
Their offerings are quite good comparing to other companies. They do offer some features and discounts then other company dont offer.
Progressive
Their offerings are quite good comparing to other companies. They do offer some features and discounts then other company dont offer.
Auto Owners Insurance
The company was completely cooperative and friendly when I did have to deal with them. Usually I deal with the agent who is also very nice.
State Farm
The company needs a more standardized follow-up procedure. They are a little too sporadic in their communication.
Allstate
Customer support used to be a little on the negative side but over the last 5 years the customer service has really improved especially in the claims division.
The Hartford
I wish premiums were lower, but I know why they are not. I am also a former employee of my insurance company as well a as a customer. what I dislike stems from knowing how things work in the claims center and how the employees are treated
Erie Insurance
I have no real complaints about our auto insurance. However, when we had an issue with storm damage Erie was very difficult to work with. Our agent was fine but the claims adjuster that was sent out was very rude.
Erie Insurance
They offer home, auto, renters and life insurance
State Farm
Currently I have nothing to criticize State Farm about and the only thing I would like from them is a cheaper rate, however, I must pay my fair share.