Car Insurance Cost in Dayton, Ohio (2025 Cheapest Autos)

• Car insurance in Dayton cost an average of $1,986 per year, or about $166 per month for full coverage.
• Vehicles like the Volkswagen Tiguan, Toyota Corolla Cross, and Nissan Kicks are some of the top picks for having cheap car insurance in Dayton.
• Models with segment-leading auto insurance rates in Dayton include the Kia K5 ($1,912 per year), Acura Integra ($1,764 per year), Chevrolet Colorado ($1,748 per year), and Toyota GR Corolla ($1,726 per year).
• Car insurance quotes in Dayton can vary from as little as $32 per month for minimum liability insurance to well over $667 per month for accident or violation-prone drivers.

How much does car insurance cost in Dayton, OH?

Average car insurance cost in Dayton is $1,986 per year, which is 11.2% less than the U.S. average rate of $2,221 per year. The average cost of car insurance per month in Dayton is $166 for a policy that provides full coverage.

In the state of Ohio, the average cost of car insurance is $1,948 per year, so the average cost in Dayton is $38 more per year. The cost of car insurance in Dayton compared to other Ohio cities is about $56 per year less than in Cincinnati, $96 per year cheaper than in Toledo, and $40 per year less than in Columbus.

The age of the driver has the biggest impact on the price you pay for car insurance. The list below illustrates this by breaking down average car insurance rates for driver ages 16 through 60.

Average car insurance cost for Dayton drivers age 16 to 60

• 16-year-old rated driver – $7,068 per year or $589 per month
• 17-year-old rated driver – $6,848 per year or $571 per month
• 18-year-old rated driver – $6,138 per year or $512 per month
• 19-year-old rated driver – $5,587 per year or $466 per month
• 20-year-old rated driver – $3,992 per year or $333 per month
• 30-year-old rated driver – $2,118 per year or $177 per month
• 40-year-old rated driver – $1,986 per year or $166 per month
• 50-year-old rated driver – $1,760 per year or $147 per month
• 60-year-old rated driver – $1,648 per year or $137 per month

The chart below shows average Dayton car insurance rates for 2024 model year vehicles not only by the age of the driver, but also by three different physical damage coverage deductibles.

In the chart above, the cost of auto insurance in Dayton ranges from $1,392 per year for a 60-year-old driver with a policy with high physical damage deductibles to $4,642 per year for a 20-year-old driver with policy with low comprehensive and collision deductibles. From a monthly budget standpoint, the average cost in the prior chart ranges from $116 to $387 per month.

Auto insurance rates can vary considerably and seemingly inconsequential changes in personal situations can cause significant price changes. Due to the fact that rates are so variable, this reinforces the need to get multiple car insurance quotes when shopping online for the cheapest auto insurance policy.

Dayton’s favorite vehicles and the cost to insure them

The rates mentioned previously take all 2024 models and come up with an average cost, which is practical when making big picture comparisons like the average cost difference for different locations or driver risk profiles. Average car insurance rates work exceptionally well for getting the answer to questions like “is Dayton auto insurance cheaper than Cleveland?” or “is auto insurance in Ohio cheaper than California?”.

For more useful cost comparisons, however, it makes more sense to compare rates for the specific make and model of vehicle being insured. Every car, truck, SUV and minivan has a slightly different risk profile for determining car insurance prices and this data allows us to make detailed insurance cost comparisons.

The following list shows average insurance rates for both annual and monthly policy terms for a small sample of popular cars, pickups, and SUVs insured in Dayton. At the end of this article, we analyze the cost of insurance for a few of these models even more in-depth.

Average car insurance rates for popular models in Dayton

• Nissan Sentra – $1,818 per year ($152 per month)
• Ford F150 – $2,222 per year ($185 per month)
• Mazda CX-5 – $1,618 per year ($135 per month)
• Tesla Model 3 – $2,332 per year ($194 per month)
• Jeep Grand Cherokee – $1,984 per year ($165 per month)
• Toyota RAV4 – $1,828 per year ($152 per month)
• Honda Accord – $1,918 per year ($160 per month)
• Toyota Tacoma – $2,010 per year ($168 per month)
• GMC Sierra – $2,192 per year ($183 per month)
• Toyota Camry – $2,132 per year ($178 per month)

The most popular vehicle models in Dayton tend to be compact and midsize cars like the Toyota Corolla, Volkswagen Jetta, and Nissan Altima and compact and midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.

Some additional popular vehicles from other segments include luxury SUVs like the Acura MDX, Cadillac XT5, and Infiniti QX60, luxury cars like the Infiniti Q50, Tesla Model S, and BMW 530i, and pickup trucks like the Chevy Silverado, Ford Ranger, and Toyota Tacoma.

We get into rates for lots more vehicles later on in this article, but before we get into those numbers, let’s take a look at the main concepts covered so far in the data above.

• Average car insurance cost per month ranges from $137 to $589 – That is the average auto insurance price range for insured drivers age 16 to 60 in Dayton, Ohio.
• Auto insurance rates fall considerably between ages 20 and 30 – The average 30-year-old Dayton driver will pay $1,874 less each year than a 20-year-old driver, $2,118 compared to $3,992.
• Dayton auto insurance rates are more expensive than the Ohio state average – $1,986 (Dayton average) versus $1,948 (Ohio average)
• Auto insurance gets cheaper as you get older – Auto insurance rates for a 60-year-old driver in Dayton are $2,344 per year cheaper than for a 20-year-old driver.
• Insurance for teenagers is expensive – The average cost ranges from $4,724 to $7,068 per year for teen driver car insurance in Dayton, OH.

Which vehicles cost the least to insure in Dayton, Ohio?

The models with the best insurance rates in Dayton, OH, tend to be crossover SUVs like the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Toyota Corolla Cross. Average car insurance quotes for those compact SUVs cost $135 or less per month to have full coverage.

Some additional vehicles that are highly ranked in the cost comparison table below are the Volkswagen Tiguan, Honda HR-V, Volkswagen Taos, and Acura RDX.

Insurance is slightly higher for those models than the small SUVs that rank near the top, but they still have an average cost of $1,726 or less per year ($144 per month) in Dayton.

The following table details the top 20 models with the cheapest car insurance rates in Dayton, ordered by annual cost.

A table showing 20 of the cheapest vehicles to insure in Dayton is fine if you just want a vehicle with dirt cheap insurance rates. A more efficient way to group and rank car insurance rates in an analytical manner is by sorting them by their automotive segment.

This next article section illustrates the average cost to insure each different vehicle segment. This will give you a good idea of which types of cars, trucks, and SUVs that have the overall best Dayton car insurance rates. Then the six subsequent sections break out the cheapest rates for individual models for the most popular automotive segments.

Dayton car insurance rates by automotive segment

When shopping for a different vehicle, it’s in your best interest to know which categories of vehicles are cheaper to insure. For example, maybe you’re curious if compact SUVs cost less to insure than midsize SUVs or if luxury cars or SUVs have more expensive car insurance than non-luxury models.

The chart below displays the average cost of auto insurance rates in Dayton for different vehicle segments. When comparing rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups have the least expensive rates, with sports cars and performance luxury models having the most expensive average cost to insure.

Average auto insurance rates by segment are fine for general comparisons, but insurance cost varies considerably within each segment displayed above.

For example, in the midsize luxury car segment, average Dayton insurance rates range from the Mercedes-Benz CLA250 at $2,042 per year to the BMW M8 at $3,344 per year, a difference of $1,302 within that segment. In the large luxury SUV segment, rates range from the Infiniti QX80 at $2,226 per year up to the Mercedes-Benz G63 AMG costing $4,266 per year, a difference of $2,040 within that segment.

In the sections going forward, we remove some of this variability by analyzing the cost of auto insurance in Dayton for specific cars, trucks, and SUVs.

Cars with the cheapest auto insurance in Dayton

The three highest ranking non-luxury cars with the most affordable average auto insurance rates in Dayton are the Toyota GR Corolla at $1,726 per year, the Nissan Leaf at $1,738 per year, and the Honda Civic at $1,760 per year.

Not the cheapest cars to insure, but still affordable, are models like the Chevrolet Malibu, Toyota Prius, Toyota Corolla, and Honda Accord, with an average cost to insure of $1,932 per year or less.

Some additional cars that rank well include the Volkswagen Arteon, Mitsubishi Mirage G4, Hyundai Ioniq 6, Hyundai Sonata, and Subaru Legacy, which cost between $1,932 and $2,054 per year for insurance in Dayton.

Full-coverage insurance in this segment for a safe driver can cost as low as $144 per month, depending on the company.

If vehicle size is considered, the cheapest compact car to insure in Dayton is the Toyota GR Corolla at $1,726 per year, or $144 per month. For midsize 2024 models, the Kia K5 is cheapest to insure at $1,912 per year, or $159 per month. And for large cars, the Chrysler 300 is the cheapest model to insure at $1,890 per year, or $158 per month.

The table below ranks the cars with the most affordable average auto insurance rates in Dayton, starting with the Toyota GR Corolla at $1,726 per year and ending with the Mazda 3 at $2,054 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Dayton car insurance quotes from top-rated car insurance companies in Ohio.

Cheap SUVs to insure in Dayton, Ohio

The Subaru Crosstrek ranks at #1 for the cheapest non-luxury SUV to insure in Dayton, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model has an average cost of $1,468 per year to insure with full coverage.

Other SUVs that have cheaper rates include the Toyota Corolla Cross, Mazda CX-5, Buick Envision, and Ford Bronco Sport, with an average cost of $1,626 per year or less.

From a cost per month standpoint, full-coverage car insurance in this segment for an average middle-age driver can cost as low as $122 per month, depending on the company and where you live.

If vehicle size is considered, the cheapest non-luxury compact SUV to insure in Dayton is the Subaru Crosstrek at $1,468 per year. For midsize 2024 models, the Honda Passport is the cheapest model to insure at $1,582 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,864 per year.

The comparison table below ranks the twenty SUVs with the most affordable average car insurance rates in Dayton, starting with the Subaru Crosstrek at $1,468 per year ($122 per month) and ending with the Subaru Ascent at $1,728 per year ($144 per month).

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Dayton car insurance quotes from top companies in Ohio.

Luxury cars with cheap insurance rates

Ranking at the top of the list for the most affordable Dayton car insurance rates in the luxury car segment are the Acura Integra, Mercedes-Benz CLA250, BMW 330i, Lexus IS 300, and Acura TLX. Auto insurance rates for these models average $171 or less per month.

Not the cheapest to insure, but still ranked well, are cars like the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus RC 300, with average rates of $2,086 per year or less.

Additional vehicles worth mentioning include the Lexus RC 350, Cadillac CT5, Lexus ES 300h, and Lexus ES 250, which cost between $2,086 and $2,226 per year for insurance.

From a cost per month standpoint, full-coverage car insurance in Dayton on this segment for a good driver can cost as low as $147 per month, depending on where you live.

When the luxury car segment is analyzed by vehicle size, the lowest-cost compact luxury car to insure in Dayton is the Acura Integra at $1,764 per year, or $147 per month. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $2,042 per year, or $170 per month. And for full-size luxury models, the Audi A5 has the cheapest rates at $2,358 per year, or $197 per month.

The comparison table below ranks the luxury cars with the most affordable average car insurance rates in Dayton.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Dayton car insurance quotes from top-rated companies in Ohio.

Luxury SUVs with cheap car insurance

The five most budget-friendly non-luxury SUVs to insure in Dayton are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Average rates for for these models range from $1,660 to $1,874 per year.

Not the cheapest in the list, but still ranking well, are SUVs like the Mercedes-Benz GLB 250, Lexus UX 250h, Lincoln Corsair, and Lexus NX 450h, with average insurance cost of $1,914 per year or less.

Some additional models worth mentioning include the Acura MDX, Lexus RX 350, Infiniti QX50, and Mercedes-Benz AMG GLB35, which cost between $1,914 and $1,992 per year for auto insurance.

Auto insurance rates in this segment for a good driver starts at an average of $138 per month, depending on the company and where you live.

When rates are compared by vehicle size, the most affordable small luxury SUV to insure in Dayton is the Acura RDX at $1,660 per year. For midsize luxury models, the Jaguar E-Pace is cheapest to insure at $1,856 per year. And for large luxury SUV models, the Infiniti QX80 has the best rates at $2,226 per year.

The table below ranks the twenty luxury SUVs with the lowest-cost insurance rates in Dayton, starting with the Acura RDX at $1,660 per year and ending with the Lexus RX 350 at $1,992 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see insurance rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Dayton car insurance quotes from top-rated companies in Ohio.

Pickups with cheap auto insurance in Dayton, OH

Ranking in the top five for the lowest-cost Dayton car insurance rates in the pickup truck segment are the Ford Maverick, Chevrolet Colorado, Nissan Frontier, Ford Ranger, and Nissan Titan. Auto insurance quotes for these 2024 models average $1,926 or less per year.

Rounding out the top 10 are pickups like the GMC Canyon, Honda Ridgeline, Toyota Tacoma, and Hyundai Santa Cruz, with an average cost to insure of $2,042 per year or less.

On a monthly basis, car insurance on this segment in Dayton for a safe driver starts at around $146 per month, depending on your location. The table below ranks the pickups with the most affordable insurance in Dayton, starting with the Chevrolet Colorado at $146 per month and ending with the Ram Truck at $191 per month.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your truck in the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Dayton car insurance quotes from top-rated companies in Ohio.

Sports cars with cheap car insurance rates in Dayton, Ohio

Ranked at #1 in Dayton for the lowest-cost average insurance in the sports car segment is the Mazda MX-5 Miata, at an average of $1,836 per year. Second place is the Toyota GR86 at $2,092 per year, the third cheapest is the Ford Mustang, costing an average of $2,180 per year, and the fourth most affordable is the BMW Z4, at an average of $2,192 per year.

Some other sports cars that are affordable to insure are the Nissan Z, BMW M2, Toyota GR Supra, and Lexus RC F, with average annual insurance rates of $2,372 per year or less.

On a monthly basis, auto insurance rates in Dayton on this segment for an average middle-age driver starts at an average of $153 per month, depending on where you live and the company you use.

The rate comparison table below ranks the sports cars with the cheapest car insurance rates in Dayton.

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Dayton.

The highs and lows of auto insurance

To stress the importance of the extent to which car insurance premiums can change for different drivers, the charts below contain detailed rates for three popular models in Dayton: the Ford F150, Nissan Sentra, and Toyota RAV4.

Each vehicle example uses different driver and policy risk profiles to show the price difference when using different driver profiles.

Ford F150 insurance rates

Ford F150 insurance in Dayton costs an average of $2,222 per year, or about $185 per month, and varies from $1,842 to $5,126 annually.

The Ford F150 belongs to the full-size truck segment, and other similar models from the same segment include the GMC Sierra, Chevrolet Silverado, and Ram Truck.

Nissan Sentra insurance rates

Nissan Sentra insurance in Dayton averages $1,818 per year, or around $152 per month, and ranges from $1,506 to $4,130 annually.

The Nissan Sentra is a compact car, and additional models from the same segment that are popular in Dayton, OH, include the Hyundai Elantra, Toyota Corolla, and Honda Civic.

Toyota RAV4 insurance rates

In Dayton, Toyota RAV4 insurance costs an average of $1,828 per year ($152 per month) and ranges from $1,522 to $4,210 annually for the sample risk profiles in the chart.

The Toyota RAV4 belongs to the compact SUV segment, and other top-selling models from the same segment include the Subaru Forester, Honda CR-V, and Ford Escape.

Tips for cheaper Dayton car insurance rates

Shrewd drivers in Dayton are always looking to save money on auto insurance So glance at the savings concepts in this next list and maybe you can save some money insuring your vehicle.

• Avoid driving violations to reduce insurance rates. In order to get cheap auto insurance in Dayton, it’s necessary to to be a conservative driver. In fact, just a couple traffic tickets can potentially raise auto insurance cost by as much as $526 per year. Serious moving violations such as driving under the influence or reckless driving could raise rates by an additional $1,840 or more.
• Choose vehicles that have cheaper car insurance. The make and model of vehicle you drive is an important factor in the price you pay for insurance. For example, a Volvo XC40 costs $748 less per year to insure in Dayton than a Chevrolet Corvette. Lower performance vehicles cost less to insure.
• Stay claim free and save. Most auto insurance companies offer a discount if you have no claims. Car insurance is intended to be used to protect you from significant claims, not minor claims.
• Shop around. Setting aside 5-10 minutes to get some free car insurance quotes is our best recommendation for saving money. Rates change quite often and you do not have to wait for your renewal to change companies.
• Research policy discounts to save money. Discounts may be available if the insureds are homeowners, insure multiple vehicles on the same policy, work in certain occupations, are claim-free, drive low annual mileage, or many other policy discounts which could save the average Dayton driver as much as $336 per year.
• If your car is older, remove unneeded coverages. Removing physical damage coverage from vehicles that are older will cut the cost of insurance substantially.
• Think about raising your deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.