Dayton, Ohio Auto, SR-22, Home, Renters & Motorcycle Insurance

Ohio requires drivers to carry auto insurance, no matter what city they're in. To drive legally in Dayton, Ohio, you must carry:

• Bodily Injury Liability: $25,000 per person
• Bodily Injury Liability: $50,000 per accident
• Property Damage Liability: $25,000 per accident

This is simply the bare minimum you must carry. It doesn't represent the amount of car insurance you should purchase. These coverages protect cover the other victims and vehicles in an accident — not you or your vehicle. It's important to invest in comprehensive, collision and personal injury protection to protect your vehicle and passengers.

For full coverage, you may pay around $141 per month ($1,688 per year), though this depends on what your insurance company considers full coverage. For full coverage, you generally want comprehensive, collision, personal injury protection, windshield protection and the required amount of liability insurance.

Cloverleaf Insurance insures all types of drivers, including nonstandard drivers. Nonstandard drivers include those with multiple tickets, DWIs or DUIs and more. If you need an SR-22, we have you covered. Car insurance rates will generally be higher for those considered nonstandard drivers. For drivers with a DUI, you may see as high as a 40.63 percent increase from the average annual car insurance rate. Drivers with bad credit may see a 46.47 percent increase.

Car insurance doesn't have to be unobtainable, however. Cloverleaf Insurance works with nonstandard drivers to find cheap car insurance rates for necessary coverage.

A Subaru Outback is the cheapest car to insure, as of 2019.