Cheapest Car Insurance Quotes in Dayton

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Dayton Car Insurance

^$ 16

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Dayton

The car insurance rate in Dayton is $716 for a six-month policy, which is $22 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $443, making it a popular choice for budget-conscious drivers. Rates in Dayton can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Dayton

$716

Avg. Car Insurance in Wyoming

$738

National Average

$1140

Cheapest Car Insurance Companies in Dayton

1st place: American National

At $443 for a six month policy, American National offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $525 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $588 for six months, making it the third cheapest auto insurance company in Dayton.

Dayton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dayton, WY is American National, offering policies at just $443 for a six-month term. This is followed by USAA, which has an average six-month premium of $525.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1078 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dayton drivers find the best deals.

Cheap Car Insurance Companies in Dayton, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$443	$75
USAA	$525	$88
State Farm	$588	$99
Farmers	$709	$119
MetLife	$956	$163
Allstate	$1078	$181

Key Takeaways

Way's key takeaways about car insurance in Dayton

The auto insurance costs in Dayton fall around $443 for six months.
The cheapest auto insurance company in Dayton is American National.
Teen drivers pay the highest rate in Dayton at $605 per month.

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Cheapest Minimum Liability Car Insurance in Dayton

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Dayton are given below.

American National provides the cheapest minimum car insurance coverage in Dayton. Their Average 6 Month Premium is $92. Allstate is the most expensive at $276 for the same period.

Cheapest Liability Coverage in Dayton, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$92	$16
USAA	$92	$16
State Farm	$115	$19
MetLife	$167	$28
Farmers	$178	$30
Allstate	$276	$47

Cheapest Full Coverage Car Insurance in Dayton

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Dayton is American National at $75 per month and $443 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dayton, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$443	$75
USAA	$525	$88
State Farm	$588	$99
Farmers	$709	$119
MetLife	$956	$163
Allstate	$1078	$181

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Average Car Insurance in Dayton by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Dayton, WY increasing?

Despite maintaining a clean driving record, your car insurance rates in Dayton, Wyoming, may be increasing due to several external factors. Wyoming has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Dayton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Dayton

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Dayton,WY

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Dayton at $16 per month. At $3630 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$92	$16
State Farm	$697	$117
USAA	$697	$117
Farmers	$1014	$171
Allstate	$3630	$605

Teen Car Insurance Rates in WY by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Dayton, State Farm is the cheapest car insurance provider. At $565 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Dayton is Allstate, offering rates of around $1533 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$565	$95
Farmers	$639	$108
USAA	$1308	$222
Allstate	$1533	$255

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Car Insurance Rates with An Accident in Dayton

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Dayton, WY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Dayton

The cheapest car insurance companies after an at-fault accident in Dayton include American National and State Farm, offering $161 and $265, respectively. Allstate is an expensive provider with an average six-month premium of $813.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$161	$27
State Farm	$265	$45
USAA	$340	$57
Farmers	$404	$68
Allstate	$813	$137

Dayton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dayton WY. For example, the car insurance in Dayton after a DUI increases to $530 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Dayton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$772	$129
One Med/PIP claim	$772	$131
One comp claim	$824	$138
Two Med/PIP claims	$824	$140
Driving without lights	$841	$141
Not-at-fault accident	$847	$144
Cell phone violation	$858	$144
Texting while driving	$858	$146
Failure to show documents	$864	$145
Failure to wear a seat belt	$864	$147
Child safety restraint	$870	$145
Driving with expired registration	$870	$148
Failure to stop at a red light	$876	$146
Failure to yield	$876	$149
Following too closely	$876	$146
Illegal turn	$876	$149
Wrong way/wrong lane	$876	$146
Improper passing	$882	$150
Passing school bus	$899	$149
Two comp claims	$922	$157
Open container	$927	$154
Driving too slowly	$945	$161
In 65 MPH zone	$945	$157
Speeding 11 - 15 MPH over limit	$945	$161
Speeding 16 - 20 MPH over limit	$945	$157
Speeding 21 - 25 MPH over limit	$945	$161
Speeding 6 - 10 MPH over limit	$945	$157
Speeding in school zone	$945	$161
Operating a vehicle without permission	$1003	$167
At-fault accident - less than $1000	$1031	$176
At-fault accident - $1000-$2000	$1049	$175
At-fault accident - greater than $2000	$1049	$178
Racing	$1199	$200
Driving with a suspended license	$1227	$209
Reckless driving	$1233	$206
Refusal to submit to a chemical test	$1262	$214
DUI	$1302	$217
Leaving scene of an accident/hit and run	$1313	$223

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Dayton after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Dayton.

The cheapest car insurance premiums in Dayton are offered by American National at $530 for a six-month policy. However, it can be as expensive as $2224 with companies like MetLife.

Dayton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$530	$89
State Farm	$547	$92
USAA	$633	$107
Allstate	$1043	$176
Farmers	$1665	$280
MetLife	$2224	$371

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Dayton are offered by State Farm at $369. However, it can be as expensive as $1164 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dayton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$369	$62
USAA	$513	$87
Farmers	$565	$95
Allstate	$1164	$198

Car Insurance Price Trends in Dayton, Wyoming

Car insurance rates in Dayton have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Dayton remained steady at $146 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Dayton remained steady at $23 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Dayton?

The car insurance in Dayton is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Dayton?

The cheapest car insurance in Dayton is $75 per month for full coverage.

How much is car insurance in Dayton for teenagers?

Car insurance for teenagers costs $92 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Dayton?

The average cost of car insurance is $738 for a six-month policy. It will cost around $120 per month to insure your car in Dayton.

Is car insurance expensive in Dayton?

Car insurance can be expensive in Dayton if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Dayton can be affordable.

What is the best car insurance in Dayton, WY?

The best car insurance company in Dayton WY is American National, offering $443 for a six-month policy.