Dayton Insurance Rates:

Dayton, OH home insurance is about $572 to $773, about $47-$64/month. Our thorough research shows customers can save as much as $269 by getting multiple quotes

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Dayton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $110/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1680 sqft Seasonal Residence Constructed In 1976 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $360/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 2920 sqft Vacation Property Constructed In 1949 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $130/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 2800 sqft Rental Property Constructed In 1961 with Linoleum, Composition Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $210/10 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1250 sqft Seasonal Residence Constructed In 1960 with Linoleum, Membrane Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $30/2 months for $25,000-$50,000 Coverage
Policy Holder Home Details :

Home Value : $35,000

3 Beds, 3 Baths 1503 sqft Rental Property Constructed In 1964 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

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Dayton Rates & Quotes Analysis:

Dayton Area Estimated House Insurance
Urbana Ave, Rossiter Dr, Erbaugh Ave, W 6th St, Lotus Dr, Hermosa Dr, Edgewood Ave, Foster Ave, Newgate Ave, Bender Ave$675
Community Dr, Kentwood Rd, Princeton Dr, England Ave, Draher St, Gascho Dr, Coury Ln, Kings Mill Ct, Morrell Dr, Bridge St$676
Lathrop Ave, W Shadyside Dr, Wendsbury Dr, S Kilmer St, Elmshaven Dr, Longview Ave, Blackfoot St, Radvansky Ln, E Mumma Ave, Newark Pl$697
Ruth Ave, Frericks Way, Bacon St, Sweetman St, Hickory Hill Dr, Ridgedale Rd, Embury Park Rd, Heiss Ave, Princeton Dr, E Monument Ave$666
Amesborough Rd, Woodruff Dr, Bohemian Ave, Westmont Pl, Shedborne Ave, Pinehill Ct, Rangeley Ave, S Horton St, Fairground Ave, Jasper St$704
Horace Ave, Prescott Ave, Westover Dr, N Williams St, Larkspur Dr, Otterbein Ave, Hickory St, Trone Ave, Maplehurst Ave, Cambridge Ave$664
W Hudson Ave, Kimbolton Ave, Fleetfoot St, Roberta Ln, Glen Rock Rd, Phillips Ave, Cetone Ave, W Orchard Springs Dr, Nancy Ave, Triple Crown Dr$662
Bay Tree Ct, Millvale Rd, Kings Hwy, N Beckel St, Styles Ave, Eastport Ave, Herron Cir, Cross St, Teton Ln, Pursell Ave$679
Honeywell Ct, Akron Pl, Dunn Pl, Ottello Ave, Earl Ave, Corinth Blvd, Pine Green Dr, Martel Dr, Centre St, Graham Pl$658
S Euclid Ave, Gummer Ave, Peerless, Channing Ln, Pollock Rd, Radio Rd, Zehler Ave, Bayard, Rawson Pl, Post Town Rd$672

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,000 Homes (14% of total homes ) built between 1940 to 1949 in Dayton are paying home insurance between $1,352-$1,362. Places close to Dayton, OH such as Riverside, Oakwood, Montgomery County are more expensive by $27, $191, $49 respectively while Drexel and South Solon are cheaper by $34 and $13 respectively for similar homes.
  • Bedrooms: 24,256 2 bedrooms homes (33% of total homes ) in Dayton are paying about $647. Areas near to Dayton such as Harrison, Riverside, Oakwood are costlier by $6, $12, $92 respectively whereas Drexel and South Solon are more economical by $10, $6 respectively for similar homes.
  • Auto Insurance Bundling: 10,705 Households (38% of all households) in Dayton have 2 vehicles available and when it is bundled with home insurance you can save $134 compared to Harrison ($134), Riverside ($137), Oakwood ($153).
  • Senior Discounts: 14,945 seniors (more than 55 years) occupied housing units (53% of total) in Dayton get discounts between $100 to $102 in contrast with Harrison ($100), Riverside ($102), Oakwood ($115).
  • New Homes discounts: New homes such as the 18,122 homes built between 2000 to 2009 in Dayton can save $134 and varies from Harrison ($134), Riverside ($137), Oakwood ($153).

Dayton Homeowners insurance Facts

  • Dayton, OH has 27,938 owner occupied houses which is 48.9% of all units whereas Harrison, Riverside and Oakwood have 56.2%, 55.71% and 82.47% respectively.
  • Dayton, OH homeowners yearly insurance price at $673 is 0.93% of the typical house value of $72,600 which is in contrast with 0.92% in Harrison, 0.72% at Riverside & 0.32% in Oakwood.
  • Homeowners in Dayton, OH pay 2.99% of their income ($20,000 to $24,999) in insurance whereas homeowners in Harrison, Riverside and Oakwood pay 2.99%, 3.05% and 3.42% respectively.
  • Dayton, OH’s insurance is 5.4% of monthly housing costs of $1,037/month, for owners with a mortgage compared to 5.17% in Harrison, 5.11% at Riverside & 3.17% in Oakwood. But, for households without a mortgage, insurance is 14.4% of costs ($389 in Dayton, OH) in contrast with 13.95% in Harrison, 12.93% at Riverside & 8.72% in Oakwood.

Dayton, OH Home Values & Insurance rates

For example, insurance for 5,946 Homes (21.0% of total homes ) valued between Less than $50,000 in Dayton, OH is about $228. Rates in nearby areas in such as Riverside, Montgomery County, Moraine are cheaper by $50, $82, $44 respectively while Drexel and Castine are costlier by $145 and $38 respectively for similar homes.

Dayton, OH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,946 21.0% $228
$50,000 to $59,999 3,275 11.0% $484
$60,000 to $69,999 3,871 14.0% $598
$70,000 to $79,999 3,394 12.0% $693
$80,000 to $89,999 2,740 9.0% $787
$90,000 to $99,999 2,034 7.0% $874
$100,000 to $124,999 2,323 8.0% $1016
$125,000 to $149,999 1,417 5.0% $1271
$150,000 to $174,999 1,147 4.0% $1500
$175,000 to $199,999 445 1.0% $1736
$200,000 to $249,999 602 2.0% $2086
$250,000 to $299,999 303 1.0% $2550

Renters Insurance in Dayton

  • Average Renters Insurance in Dayton :  $274($22/month)

  • Median Gross Rent in Dayton :  $632

  • Dayton Renters Insurance to Median Rent Ratio:  3.48%

  • Renter occupied housing units in Dayton :  29,230

Dayton Renters Insurance as a Percentage of Rent

Dayton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,728 6.0% $368
$200 to $299 1,516 5.0% $818
$300 to $499 4,565 16.0% $1268
$500 to $749 10,097 36.0% $1943
$750 to $999 6,270 22.0% $2693
$1,000 to $1,499 2,991 10.0% $3818
$1,500 or more 434 1.0% $5468

Rent Affordability in Dayton:

Approximately 58.0% (17,001) of households are spending more than 35% of their income on gross rent in Dayton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,252 7.0%
15.0 to 19.9 percent 2,302 7.0%
20.0 to 24.9 percent 2,259 7.0%
25.0 to 29.9 percent 3,127 10.0%
30.0 to 34.9 percent 2,289 7.0%
35.0 percent or more 17,001 58.0%

Dayton Renters Insurance Discounts:

Dayton Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Dayton, OH Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 13,149 44.0% $27.4
2 vehicles available 4,996 17.0% $41.1
3 or more vehicles available 1,499 5.0% $54.8

Dayton Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 2,534 8.0% $63
60 to 64 years 1,970 6.0% $50
65 to 74 years 2,054 7.0% $41
75 years and over 1,445 4.0% $31

Protective device discount in Dayton Up to :  $41

Claims-free discount in Dayton Up to :  $54

Dayton, OH Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
45405 $71,600 $680
45410 $70,300 $670
45406 $68,700 $680
45404 $63,800 $670
45403 $60,400 $670
45417 $60,000 $670
45402 $57,700 $670
45419 $166,800 $730
45440 $163,800 $730
45409 $146,600 $730
45415 $130,600 $720
45418 $118,100 $710
45414 $107,200 $700