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Cheap Car Insurance in Dayton, Ohio

Find cheap car insurance in Dayton, “gem city” and hometown of the Wright Brothers. With approximately 140,000 residents, Dayton is known for its association with aviation; one of its top attractions is the National Museum of the U.S. Air Force. The area averages 25 inches of snow each winter, and can have frigid temperatures and snow as early as October.

Dayton is a cycle-friendly city, with more than 300 miles of paved trails and a bike sharing program. It’s uncertain why Dayton was nicknamed “gem city,” but many believe it earned the name from a newspaper article commenting on its upkeep and beauty.

Driving Conditions in Dayton

Because it was a transportation hub from the beginning, Dayton has broad, straight streets in its downtown area that are rare for a Midwestern city its age. The city is about 55 miles north of Cincinnati and 70 miles west of Columbus. Two of the busiest freeways in the U.S. intersect in Dayton. I-75 runs north-south through the city and provides access to many of its north-south suburbs.

It intersects with I-70, a major airport route, in an area known as Freedom Veterans Crossroads. I-675 forms a partial loop along Dayton’s eastern suburbs, connecting with both I-70 and I-75. Compared to the average U.S. cities commute time of 26 minutes, Dayton has a shorter time at about 21 minutes, according to Census Bureau data. For real-time traffic maps, visit

Unique Laws in Dayton

Dayton in 2011 cracked down on panhandlers by requiring them to register and get permits and by limiting begging to certain hours. However, the city recently scrapped the registration program after it was challenged in court.

Ohio in 2016 became the first state to step up and outlaw sex with animals, with violators subject to psychological evaluations and counseling, in addition to punitive measures.

More antiquated but equally interesting laws remain on Ohio’s books, including those banning getting fish drunk, fishing for whales on Sunday and installing slot machines in outhouses. An interesting rule of the road: the Ohio driver’s education manual states you must honk your horn when passing another car going the same direction.

Dayton Crime Statistics

Dayton’s violent crime rate is 942 incidents per 100,000 people, much higher than the U.S. average of 373 incidents per 100,000, the latest FBI data shows. Property crimes in Dayton are more than twice the national average. The Ohio Insurance Institute in 2016 reported Dayton had the second high auto theft rate in the state, behind Cleveland.

Dayton’s latest rate is 264 vehicles stolen per 100,000 people, slightly fewer than Cleveland’s 257 per 100,000. The national average is 220.2 incidents per 100,000 people.

Dayton Safety Requirements

Barring a documented medical condition or a vehicle manufactured before seat belts were included, Ohio drivers and front-seat passengers must wear seat belts. Children under age 8 must ride in a safety seat or booster seat unless they are at least 4 feet, 9 inches tall.

All passengers 15 and under who aren’t secured in safety seats must wear seat belts, even if they are riding in the back seat. Cellphones are off limits for drivers under 18, and texting and driving is banned for all drivers.

Dayton Impaired Driving Laws

Drivers with concentration of .08 percent or higher of any intoxicant, including alcohol, are charged with OVI, or “operating a vehicle under the influence.” An OVI is the Ohio version of a DWI. First-time offenders face license suspension for 90 days, three days in jail or a possible driver intervention program and various fines.

No matter what your driving background, it’s not impossible to find cheap car insurance in Dayton, contact us for details.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

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When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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