Compare average insurance rates in Dayton for 2026
🏠
Home
$1275
/year
🚗
Auto
$1232
/year
🏥
Health
$479
/month
💰
Life
$23
/month
🏢
Renters
$13
/month
Home Insurance in Dayton, OH
The average cost of homeowners insurance in Dayton, Ohio is $1,275 per year in 2026. This compares to the state average of $1,500 per year.
$1,275per year (avg in Dayton)
$808OH avg: $1,500$1870
Factors Affecting Home Insurance in Dayton
🏠
Home Value Average: $210,000
🌪
Weather Risk medium
🌊
Flood Zone 4% of properties
📈
Cost Index 0.85 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$168,000
$84,000
$100,000
$956
Standard (HO-3)
$210,000
$105,000
$300,000
$1,275
Premium (HO-5)
$262,500
$157,500
$500,000
$1,721
Auto Insurance in Dayton, OH
The average annual cost of auto insurance in Dayton is $1,232, compared to the Ohio state average of $1,450.
$1,232per year (avg in Dayton)
$765OH avg: $1,450$1785
📋
Minimum Coverage in Ohio: 25/50/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$677
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,232
Premium
250/500/250
$250 deductible
$250 deductible
$1,601
Health Insurance in Dayton, OH
The average monthly health insurance premium in Dayton is $479 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$479per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$344
$7,000
$9,100
Healthy, low usage
Silver
$479
$4,500
$9,100
Moderate usage
Gold
$598
$1,650
$8,700
Regular medical needs
Platinum
$718
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Dayton
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in Ohio are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$13
per month (avg in Dayton)
Renters insurance in Dayton covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Dayton
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Dayton, OH is $1,275 per year for a standard HO-3 policy. Rates range from $808 to $1,870 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Dayton is $1,232 per year for full coverage. Liability-only coverage averages around $554 per year. Ohio requires minimum coverage of 25/50/25.
Insurance costs in Dayton are below the national average (cost index: 0.85). Home insurance averages $1,275/yr and auto insurance $1,232/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.85), moderate natural disaster risk, average home values ($210,000), your personal claims history, credit score, and at-fault insurance laws in Ohio.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Dayton residents can potentially save $501+ per year.
Ohio requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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