Short answer: home insurance in Dayton, OH 45401 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
ZIP 45401 · Dayton, OH · Montgomery County
Ohio statewide average: ~$995/yr (NAIC, 2022).
FAQ
How much is home insurance in ZIP 45401?
Rates in 45401 (Dayton, OH) depend on coverage and profile. Compare free home insurance quotes from licensed partners.
Is ZIP 45401 in Dayton?
Yes — 45401 is in Dayton, Montgomery County, OH.
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