Short answer: home insurance in Dayton, OH 45405 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 45405 · Dayton, OH · Montgomery County
Ohio statewide average: ~$995/yr (NAIC, 2022).
FAQ
How much is home insurance in ZIP 45405?
Rates in 45405 (Dayton, OH) depend on coverage and profile. Compare free home insurance quotes from licensed partners.
Is ZIP 45405 in Dayton?
Yes — 45405 is in Dayton, Montgomery County, OH.
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