Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Dayton, IA are $244/month
  • Average car insurance rates in Dayton, IA for senior drivers are $1,620/year
  • The cheapest car insurance company in Dayton after a DUI is Progressive

Average car insurance rates in Dayton, Iowa are $244 a month. But with a little research you can get a great deal from the top car insurance companies in Dayton, IA. Before you buy Dayton, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

It may even be helpful to compare Dayton car insurance rates with Cedar Rapids car insurance rates, Des Moines car insurance rates, or Iowa City car insurance rates to make sure you’re getting the best Dayton, IA car insurance quotes available.

Need affordable Dayton, IA car insurance? Enter your ZIP code to compare Dayton car insurance quotes from multiple car insurance companies near you.

Dayton, IA Minimum Car Insurance Coverage

Dayton, Iowa law requires drivers carry a minimum of 20/40/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Dayton, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Dayton, IA Car Insurance Rates by Coverage Level

Some Dayton drivers can get by with the Iowa minimum coverage of 20/40/15. Other drivers may need more. See how much your Dayton, Iowa car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Dayton, Iowa

Insurance Company Low Medium High
Allstate $2,852 $2,988 $3,109
American Family $3,086 $3,243 $2,888
Farmers $2,288 $2,393 $2,476
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,233 $4,405 $4,608
Nationwide $2,402 $2,299 $2,227
Progressive $2,152 $2,299 $2,428
State Farm $2,075 $2,193 $2,274
Travelers $5,186 $5,600 $5,764
USAA $1,660 $1,760 $1,843

Dayton, IA Car Insurance Rates by Age, Gender, and Marital Status

Dayton, Iowa car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Dayton, IA car insurance, get quotes from multiple car insurance companies in the Dayton area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dayton, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,925 $1,834 $1,723 $1,750 $5,827 $6,606 $2,074 $2,128
American Family $1,977 $1,977 $1,770 $1,770 $5,305 $7,426 $1,977 $2,380
Farmers $1,478 $1,506 $1,324 $1,444 $4,449 $4,739 $2,000 $2,144
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,145 $2,333 $1,884 $2,291 $10,137 $11,420 $2,430 $2,683
Nationwide $1,607 $1,648 $1,435 $1,529 $3,690 $4,767 $1,819 $1,976
Progressive $1,613 $1,553 $1,331 $1,380 $3,960 $4,471 $1,939 $2,097
State Farm $1,418 $1,418 $1,245 $1,245 $3,841 $4,869 $1,594 $1,816
Travelers $2,477 $2,529 $2,403 $2,412 $11,041 $17,651 $2,575 $3,046
USAA $1,181 $1,196 $1,084 $1,108 $3,143 $3,342 $1,417 $1,566

Dayton, IA Car Insurance Rates for Teens

How much is Dayton, Iowa car insurance for teens? Compare rates from top Dayton car insurance companies below to help find the cheapest teen car insurance in Dayton, IA.

Annual Car Insurance Rates for Teen Drivers in Dayton, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,827 $6,606
American Family $5,305 $7,426
Farmers $4,449 $4,739
GEICO $4,328 $4,022
Liberty Mutual $10,137 $11,420
Nationwide $3,690 $4,767
Progressive $3,960 $4,471
State Farm $3,841 $4,869
Travelers $11,041 $17,651
USAA $3,143 $3,342

Dayton, IA Car Insurance Rates for Seniors

Before seniors buy Dayton, Iowa car insurance, they should make sure to shop around. Some Dayton, IA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Dayton, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,723 $1,750
American Family $1,770 $1,770
Farmers $1,324 $1,444
GEICO $1,710 $1,564
Liberty Mutual $1,884 $2,291
Nationwide $1,435 $1,529
Progressive $1,331 $1,380
State Farm $1,245 $1,245
Travelers $2,403 $2,412
USAA $1,084 $1,108

Dayton, IA Car Insurance Rates by Credit History

How does your credit history affect Dayton, IA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Dayton, Iowa

Insurance Company Poor Fair Good
Allstate $3,567 $2,831 $2,552
American Family $3,918 $2,879 $2,420
Farmers $2,736 $2,270 $2,151
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,305 $3,882 $3,058
Nationwide $2,802 $2,198 $1,927
Progressive $2,708 $2,189 $1,982
State Farm $3,105 $1,921 $1,515
Travelers $6,203 $5,298 $5,049
USAA $2,307 $1,584 $1,372

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Dayton, IA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Dayton, Iowa car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Dayton.

Annual Dayton, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,510 $3,068 $3,526 $2,829
American Family $2,219 $3,246 $4,217 $2,608
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,815 $4,714 $4,816 $4,316
Nationwide $1,676 $2,401 $3,265 $1,894
Progressive $1,844 $3,020 $2,001 $2,308
State Farm $2,018 $2,343 $2,181 $2,181
Travelers $4,024 $5,362 $7,179 $5,502
USAA $1,342 $1,799 $2,337 $1,540

Dayton, IA Car Insurance Rates With a DUI

Even a single DUI can increase your Dayton, IA car insurance rates. Compare rates below to see which Dayton car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Dayton, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,526
American Family $4,217
Farmers $2,558
GEICO $3,206
Liberty Mutual $4,816
Nationwide $3,265
Progressive $2,001
State Farm $2,181
Travelers $7,179
USAA $2,337

Dayton, IA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Dayton, IA car insurance rates may be. Let’s take a look at average car insurance rates from top Dayton companies based on commute time.

Annual Car Insurance Rates by Commute Length in Dayton, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,912 $3,054
American Family $3,037 $3,108
Farmers $2,386 $2,386
GEICO $2,294 $2,387
Liberty Mutual $4,415 $4,415
Nationwide $2,309 $2,309
Progressive $2,293 $2,293
State Farm $2,128 $2,233
Travelers $5,517 $5,517
USAA $1,691 $1,818

Dayton, IA Cheapest Car Insurance Rates

How do the top Dayton, Iowa car insurance companies’ average rates stack up against the Dayton average monthly car insurance rates of $244? Take a look and see.

Best Annual Car Insurance Rates by Company in Dayton, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Dayton, IA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Dayton, Iowa car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Dayton, Iowa

Insurance Company Average Annual Rates
Allstate $2,983
American Family $3,073
Farmers $2,386
GEICO $2,341
Liberty Mutual $4,415
Nationwide $2,309
Progressive $2,293
State Farm $2,181
Travelers $5,517
USAA $1,755

Other Factors Affecting Dayton, IA Car Insurance Rates

Before you buy Dayton, Iowa car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Dayton, IA Commute Time

How does your Dayton, IA commute time compare with the average driver? In Dayton, the average commute is 24.2 minutes.

Dayton, IA Traffic

Spending time in Dayton traffic can lead to higher car insurance rates. According to INRIX data, Dayton, IA ranks as the 367th-most congested with traffic in the world.

Dayton, IA Car Insurance Quotes

Compare Dayton, IA car insurance quotes from multiple companies by entering your ZIP code now.