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Auto Insurance in Dayton, OH

Local car insurance for Dayton. Pick your ZIP for the most local rates, or get free quotes now.

Short answer: car insurance in Dayton, OH depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
Dayton, OH
Population ~143,355 · Montgomery County · Ohio statewide average: ~$947/yr (NAIC, 2023).

Dayton ZIP codes

Car Insurance 45401
Car Insurance 45402
Car Insurance 45403
Car Insurance 45404
Car Insurance 45405
Car Insurance 45406
Car Insurance 45407
Car Insurance 45408

FAQ

How much is car insurance in Dayton, OH?

Dayton rates depend on your ZIP, coverage and profile; the Ohio statewide average is about $947/yr (NAIC, 2023). Compare free car insurance quotes from licensed partners.

Which ZIP codes are covered in Dayton?

We list Dayton ZIP-level pages below; each shows local car insurance details and free quotes.