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.
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 Rates
- Dayton, OH Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Dayton, OH
- Multi Vehicle Insurance Savings in Dayton, OH
- How Credit Score Affects Car Insurance Rates in Dayton, OH
- How DUI Affects Auto Insurance Premiums in Dayton, OH
- Top Auto Insurance Agents Near Dayton, OH
- How Driving Violations Affect Auto Insurance Rates in Dayton, OH
- Dayton, OH Auto Insurance Discounts on Anti Theft Feature
- Dayton, OH Auto Insurance Company Reviews
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 Companyit is the same company as the home insurance so the customer service experience is the same as in previous answer.
West Bend Mutual InsuranceMy 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.
ProgressiveTheir offerings are quite good comparing to other companies. They do offer some features and discounts then other company dont offer.
ProgressiveTheir offerings are quite good comparing to other companies. They do offer some features and discounts then other company dont offer.
Auto Owners InsuranceThe 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 FarmThe company needs a more standardized follow-up procedure. They are a little too sporadic in their communication.
AllstateCustomer 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 HartfordI 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 InsuranceI 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 InsuranceThey offer home, auto, renters and life insurance
State FarmCurrently 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.