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Best Local Car Insurance Agencies in Dayton

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American Casualty Insurance, LLC. logo
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License Verified:

License: 17389607

Ohio Department Of Insurance

American Casualty Insurance, LLC.

4550 Salem Avenue, Dayton, OH 45416
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  • Boats
  • Motorcyle & ATV

Business Description

American Casualty Insurance, LLC, is an independent insurance company offering auto insurance products to drivers in Dayton and the surrounding areas. The business allows clients to choose their preferred insurance carriers and help them select auto insurance plans based on their needs. Its team offers personal injury protection, which is also known as no-fault coverage. It covers funeral, replacement, medical, and rehabilitation expenses. The company's goal is to educate clients regarding the insurance options suited to their situation.

License Verified:

License: 17389607

Ohio Department Of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Community Shirley Insurance logo
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License Verified:

License: 13352162

Ohio Department Of Insurance

Community Shirley Insurance

7801 North Dixie Drive, Dayton, OH 45414
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  • Multiple Carriers

Business Description

Community-Shirley Insurance, LLC, is a full-service insurance company that has been serving the Dayton metro and the surrounding localities for over a decade. Founded in 2009, the firm guides car owners, motorists, and vehicle operators in obtaining the auto insurance policy that best suits their needs. As an independent insurance agency, the company works with multiple carriers to provide various coverage options, including collision, comprehensive, bodily injury liability, property damage liability, and uninsured motorist protection. The company also offers insurance packages for motorcycles, RVs, and watercraft.

License Verified:

License: 13352162

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gessel & Associates logo
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License Verified:

License: 41665

Ohio Department Of Insurance

Gessel & Associates

25 West 5th Street, London, OH 43140
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  • RV & Motorhome
  • Boats

Business Description

Gessel & Associates Insurance Agency is a family-owned, independent insurance agency that has been offering complete insurance solutions throughout Dayton, London, Columbus, and Cincinnati areas since 1999. Its auto insurance agents represent insurance carriers and provide the optimal balance of coverage, price, and claims service to match specific needs. Some types of auto insurance they offer include medical payments, bodily injury liability, property damage, and uninsured-underinsured motorist coverage. Additionally, they guide clients in the process of filing claims.

License Verified:

License: 41665

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.6 / 5 (18)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jay Hines Insurance Agency logo
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License Verified:

License: 17424228

Ohio Department Of Insurance

Jay Hines Insurance Agency

115 North Main Street, Dayton, OH 43040
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  • Multiple Carriers

Business Description

Jay Hines Insurance Agency provides a wide range of insurance products, including auto insurance, to the people of Dayton and the surrounding communities. Veteran-owned and operated, the company can help drivers secure protection plans that will support them in the event of an automotive emergency. The proprietor, Jay A. Hines, works with multiple insurance carriers to find suitable policies that will fit the various needs and priorities of his clients. Jay Hines Insurance Agency also insures antique cars, motorcycles, and motorhomes.

License Verified:

License: 17424228

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lauber & Will Insurance logo
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License Verified:

License: 33738

Ohio Department Of Insurance

Lauber & Will Insurance

7012 Harrison Avenue, Dayton, OH 45247
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  • Bundling Option

Business Description

Lauber & Will Insurance is a family-owned and operated agency that serves individuals and businesses in the Dayton metro. Its auto insurance plans protect the policyholders against financial losses and damages from unforeseen events such as accidents, theft, and fire. As an independent agency, it works with multiple carriers in providing customized coverages that are suited to the needs of the clients. Established in 2005, the company had been formed from two insurance agencies, The Lauber Agency and Will Agency.

License Verified:

License: 33738

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (26)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ley Insurance Agency logo
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License Verified:

License: 963269

Ohio Department Of Insurance

Ley Insurance Agency

513 North Cable Road, Dayton, OH 45805
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  • Multiple Carriers

Business Description

For the past three decades, Ley Insurance Agency has been catering to the auto insurance needs of residents and businesses in Dayton and surrounding communities. Established in 1987, the company provides a variety of auto coverage options from multiple providers, including bodily injury liability, property damage, comprehensive, collision, and uninsured motorists. Its agents also help clients assess their needs and select the right auto policy that suits their situation. The company serves customers throughout Ohio.

License Verified:

License: 963269

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (107)
Facebook
5.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Matulka Insurance Agency logo
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License Verified:

License: 7143561

Ohio Department Of Insurance

Matulka Insurance Agency

2262 County Line Road, Beavercreek, OH 45430
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  • Boats
  • Motorcyle & ATV

Business Description

Matulka Insurance Agency is a full-service insurance company that has been serving the Dayton metro area and nearby communities for more than two decades. Founded in 1996, the independent insurance agency assists individuals, families, and business owners in choosing the right auto insurance policy that can protect themselves and their vehicles. Its agents work with different providers that can offer basic coverage options like liability, comprehensive, and collision coverage. They also handle policies for motorcycles and recreational vehicles.

License Verified:

License: 7143561

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (40)
Facebook
5.0 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mitchell Insurance Agency - Plain City logo
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License Verified:

License: 1590

Ohio Department Of Insurance

Mitchell Insurance Agency - Plain City

7450 Industrial Parkway, Plain City, OH 43064
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  • Multiple Carriers

Business Description

Mitchell Insurance Agency - Plain City offers a range of personal insurance plans in Dayton. Its independent agents build proposals with multiple insurance carriers, including Progressive, Travelers, and MetLife. They assist car owners in understanding and assessing financial risks and obtaining adequate coverages for losses due to collisions, injury liabilities, and natural disasters. Founder Robb Mitchell established the company in 1993, which started with an auto insurance policy for him and proceeded to become the largest Ohio partner of Erie Insurance.

License Verified:

License: 1590

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (94)
Facebook
4.8 / 5 (86)
Yelp
4.5 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Premier Insurance Services logo
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License Verified:

License: 1005959

Ohio Department Of Insurance

Premier Insurance Services

4404 Fayard Drive, Dayton, OH 45103
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  • Multiple Carriers
  • Boats
  • Motorcyle & ATV

Business Description

Premier Insurance Services is a risk management specialist that serves the Dayton area. Included in its product line is auto insurance, which can cover a car owner's liability and reimburse losses in case the policyholder's vehicle gets stolen or damaged in a collision. The company has a team of agents that compare protection plans from various carriers such as Dairyland, Grange, MetLife, The Hartford, and Liberty Mutual. Premier Insurance Services is also licensed in New York, Virginia, Tennesse, and Kentucky.

License Verified:

License: 1005959

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (44)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rathweg Insurance Associates, Inc. logo
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License Verified:

License: 2760183

Ohio Department Of Insurance

Rathweg Insurance Associates, Inc.

2212 South Patterson Boulevard, Kettering, OH 45409
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  • Bundling Option

Business Description

Rathweg Insurance Associates, Inc., is a company that provides insurance solutions and products to residents of the Dayton metro and nearby areas. It writes auto insurance policies for clients seeking to protect themselves from unwanted financial expenses due to damages, medical and legal liabilities, and repairs to and replacements of their vehicles. The company takes pride in its century-long history of serving the community through various personal and business insurance lines.

License Verified:

License: 2760183

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (30)
Facebook
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Richard Keller logo
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License Verified:

License: 664837

Ohio Department Of Insurance

Richard Keller

7825 North Dixie Drive, Dayton, OH 45414
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  • Bundling Option

Business Description

Richar Keller is an insurance agent working for State Farm Insurance. He offers auto, homeowners, renters, business, and life insurance in Dayton. Some of the auto insurance he offers are collision, comprehensive, rental, and rideshare coverage. Aside from car insurance, Richard Keller also offers personal articles insurance where important treasures like jewelry and equipment can be covered. He and State Farm Insurance aim to help clients secure what is important to them. Richar Keller's office is open on weekdays, from 9 am to 5 pm.

License Verified:

License: 664837

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (14)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Royal Crest Agency logo
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License Verified:

License: 30572

Ohio Department Of Insurance

Royal Crest Agency

29 West Main Street, Dayton, OH 45371
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  • Bundling Option
  • Motorcyle & ATV
  • Boats

Business Description

Royal Crest Agency is a car insurance provider serving the residents of Cincinnati. This independent insurance agency represents multiple insurance providers and helps clients find suitable auto insurance plans. It carries auto insurance policies that cover holders' financial responsibility for other persons' injuries and collision losses. Comprehensive coverage provides compensation for fire or theft damage. Policyholders also receive financial protection for accident-related medical and repair expenses. Royal Crest Agency has an online insurance quote request tool.

License Verified:

License: 30572

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (35)
Facebook
4.6 / 5 (11)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stevens Insurance Agency logo
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License Verified:

License: 39977

Ohio Department Of Insurance

Stevens Insurance Agency

8194 LIberty Way, West Chester, OH 45069
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Stevens Insurance Agency provides auto insurance plans for clients in the Dayton and West Chester areas. Its auto insurance plans include collision, comprehensive, property damage, and uninsured-underinsured motorist coverage. Its team of insurance agents explains to its clients the common variables that affect auto insurance rates, such as age, credit score, car type and model, and driving record. Aside from insurance solutions, Stevens Insurance Agency also provides tax and accounting services.

License Verified:

License: 39977

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Walter A. McFall & Son Agency, Inc. logo
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License Verified:

License: 672583

Ohio Department Of Insurance

Walter A. McFall & Son Agency, Inc.

115 Linwood Street, Dayton, OH 45405
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  • Multiple Carriers

Business Description

Walter A. McFall & Son Agency, Inc., is a multi-line insurance services company that has been catering to the insurance needs in Dayton and surrounding communities for more than eight decades. Established in 1936, the family-owned agency protects private car owners, motorists, passengers, and commercial vehicle drivers from potential risks on the road through an auto insurance policy. Its independent insurance agents work with multiple providers that can provide basic coverage options like liability, collision, comprehensive, and medical payments. They also assist policyholders in filing claims for damages caused by theft, vandalism, road accidents, and natural disasters. The company values establishing long-lasting relationships with its clients.

License Verified:

License: 672583

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (5)
Facebook
4.5 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Yancey's Insurance & Business Center logo
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License Verified:

License: 15653542

Ohio Department Of Insurance

Yancey's Insurance & Business Center

2457 North Gettysburg Avenue, Dayton, OH 45406
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  • Motorcyle & ATV

Business Description

Yancey's Insurance & Business Center is a locally owned and operated insurance agency that caters to the auto coverage needs of clients in Dayton and the rest of the region. Home, business, life, and health insurance options are also available. With more than 14 years of being in the industry, the agency also assists clients with fingerprinting and tax preparation services. Other services include small business consultations, fax and copy services, and notary services.

License Verified:

License: 15653542

Ohio Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (36)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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