Short answer: home insurance in Dayton, OH 45404 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 45404 · Dayton, OH · Montgomery County
Ohio statewide average: ~$995/yr (NAIC, 2022).
FAQ
How much is home insurance in ZIP 45404?
Rates in 45404 (Dayton, OH) depend on coverage and profile. Compare free home insurance quotes from licensed partners.
Is ZIP 45404 in Dayton?
Yes — 45404 is in Dayton, Montgomery County, OH.
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