Cincinnati vs. Dayton Who has the best auto insurance rates?

 My insurance rates are better!

What city or town has the best auto insurance rates in the Dayton-Cincinnati region?

Well, we decided to do some comparison rates to find out! Just one of the many factors that determine the cost of auto insurance is where you live. Rates can vary from town to town, city to city. Sometimes rates can even vary from zip code to zip code. And in some rare occasions, rates can be different even within the same zip code!

Every few days we will have a match-up between two communties to see who has the better auto insurance rate. This will eventually lead up to the city or town we will eventually crown as the champ!

First up:

Cincinnati versus Dayton

We used all the same set of rating factors in the comparisons except for where the people live. Here are the factors we used:

As a Progressive independent insurance agent, we decided to quote all the comparisons through them.  All rates are quoted for six months.

Married couple in their fifties.

They have no tickets, accidents or claims in the past 5 years.

Vehicles: 2003 Chevrolet Trailblazer & 2008 Ford F-150 Pick-up


Bodily Injury Liability: $ 250,000 each person, $ 500,000 each accident
Property Damage Liability: $ 100,000 each accident

Medical Payments: $ 5,000 each person

Uninsured/Underinsured Motorists: $ 250,000 each person, $ 500,000 each accident

Comprehensive Coverage: $ 100.00 deductible

Collision Coverage: $ 500.00 deductible

Rental Reimbursement: $ 30.00 each day, maximum 30 days

Progressive Insurance Discounts applied: Five year accident free, three year safe driving, paid in full, paperless, homeowner, muliti-car, continuous insurance: platinum and advance quote

And the winner is:

City of Dayton (45404) : $ 434.00
City of Cincinnati (45201): $ 452.00

Keep in mind, the rates shown are for the factors used above and are for illustration purposes only. We are an independent insurance agency and besides Progressive, we represent many other fine companies, such as Allied, a Nationwide Insurance Company, State Auto, Ohio Mutual, Donegal, Pekin Insurance, Hartford, Travelers and American Commerce. It is possible there is a company that could have more competitive rates than what are shown here . Also keep in mind that most companies offer an additional discount on your auto insurance if you also insure your home with them. Please contact us to get more information or you can get an instant quote here.

Next match-up: Beavercreek versus Hamilton

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This entry was posted on Wednesday, September 22nd, 2010 at 4:15 pm and is filed under Insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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