Affordable Car Insurance Rates in Dayton, IA (2021)
Car insurance rates in Dayton, IA are $244/month on average. By law, Iowa drivers need to carry at least 20/40/15 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Dayton car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.