Cheapest home insurance carriers in Dayton
Estimated annual premiums for a standard policy (~$300k dwelling, $1,000 deductible), ranked cheapest first — Dayton averages about $1,558/yr (median of the carriers below: $1,324/yr). Enter your ZIP for a ranking tuned to your home.
| # | Carrier | Est. annual | vs median |
|---|---|---|---|
| 1 | Auto-Owners | $996/yr | Save $328 |
| 2 | USAA | $1,215/yr | Save $109 |
| 3 | NJM Insurance | $1,246/yr | Save $78 |
| 4 | Erie Insurance | $1,309/yr | Save $15 |
| 5 | Shelter Insurance | $1,324/yr | Save $0 |
| 6 | Frankenmuth Insurance | $1,324/yr | Save $0 |
| 7 | Amica Mutual | $1,326/yr | +$2 |
| 8 | Cincinnati Insurance | $1,371/yr | +$47 |
| 9 | Westfield Insurance | $1,371/yr | +$47 |
| 10 | Celina | $1,371/yr | +$47 |
Why home insurance costs what it does in Dayton
Dayton-area home insurance is priced mainly around tornadoes and hail. Dayton runs close to the Ohio average; the region's tornado and hail exposure (including the 2019 Memorial Day tornadoes) is the primary driver.
The metro average hides your ZIP. A single carrier can price neighboring ZIPs very differently — coastal, wildfire, or older-home areas load high while lower-risk pockets pay less. This page is a Dayton-level estimate; compare carriers for your exact ZIP to see where you land, and see why your rate can jump even when your carrier’s filing looks flat.
See all Ohio home rates & carriers → · Who’s raising & cutting Ohio home rates →
Directional estimates from public rate filings and NAIC data — not a quote. Metro figures apply a modeled Dayton offset to the Ohio average; your actual rate depends on dwelling amount, deductible, roof age, claims history, and exact ZIP.