Dayton has 136,579 residents in 58,477 households. We list 9 agencies for auto insurance in Dayton. Here is what the local numbers say about the cover people here need.

Dayton at a glance

9auto insurance agencies listed
51.6%of households rentRenters insurance
$100,600median home valueHome insurance
1951median year homes were builtRebuild cost calculator
15.9%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Montgomery County

FEMA rates the overall natural hazard risk in Montgomery County, where most Dayton agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Dayton
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Dayton
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Dayton

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Ohio

Ohio requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Dayton How much liability cover do you need?

Source: insurance.ohio.gov. Checked 2026-10-24.

Where Dayton agencies are

Dayton agencies we list sit in 7 ZIP codes, mostly in Montgomery County.

454292 agencies
454592 agencies
454041 agency
454201 agency
454241 agency
454311 agency
454401 agency

Questions

Auto insurance in Dayton

All insurance agencies in Dayton · Auto insurance across Ohio

Where can I find auto insurance in Dayton?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Do I need flood insurance in Dayton?

FEMA's National Risk Index rates inland flooding risk in Montgomery County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Auto insurance near Dayton

For insurance agencies

Is your Dayton agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing