Home Insurance in Dayton, OH

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

Short answer: home 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: ~$995/yr (NAIC, 2022).

Dayton ZIP codes

FAQ

How much is home insurance in Dayton, OH?

Dayton rates depend on your ZIP, coverage and profile; the Ohio statewide average is about $995/yr (NAIC, 2022). Compare free home insurance quotes from licensed partners.

Which ZIP codes are covered in Dayton?

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