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Cheap Auto Insurance Quotes in Youngstown, OH (2023)
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Written by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated August 31, 2022
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Car Insurance in Youngstown, OH
Ohio drivers need drivers insurance to avoid breaking the law or ending up with unaffordable bills. Fortunately, auto insurance in the Buckeye State is relatively inexpensive. Residents pay an average of $164 per month, which is 36 percent less than the national average insurance policy cost.
And it’s possible to get car insurance for less than that if you know where to look. With Insurify , you can compare customized quotes from national car insurance companies such as State Farm and GEICO as well as quotes from local providers in one spot, and you can easily adjust your coverage levels and deductibles until you find a policy that meets your insurance needs.
While average premiums are low overall in Ohio, auto insurance rates vary between cities and even from neighborhood to neighborhood. Here’s what you can expect from various cities in Ohio compared to Youngstown.
Quick Facts
The average cost of car insurance in Youngstown is $157 per month, or $1884 annually.
Car insurance in Youngstown is $18 more than the average cost of car insurance in Ohio.
The cheapest car insurance provider in Youngstown on average is Mile Auto, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Travelers$85
GAINSCO$87
Mile Auto$99
Clearcover$109
Safeco$117
See More:
Table of contents
Cheapest Car Insurance in Youngstown, OH
Some auto insurance companies in Youngstown will be able to offer lower premiums than others. That’s because every car insurance company weighs information such as your age, your credit history, and your driving record a bit differently. Below, you’ll find the average cost for some of the cheapest car insurance companies in Youngstown.
| Insurance Provider in Youngstown | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Travelers | $85 /mo |
| GAINSCO | $87 /mo |
| Mile Auto | $99 /mo |
| Clearcover | $109 /mo |
| Safeco | $117 /mo |
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Best Car Insurance in Youngstown, OH
The cost of car insurance isn’t the only factor to consider when choosing an insurance provider. You’ll also want to consider the types of coverage, discounts offered, financial strength of the company, and customer reviews. We evaluated a variety of data to determine the best car insurance companies in Youngstown. See our results below.
| Best Companies | Score | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|---|
| Clearcover | 97 | $109 /mo |
| Nationwide | 89 | $89 /mo |
| Safeco | 86 | $117 /mo |
| Liberty Mutual | 82 | $153 /mo |
| Travelers | 80 | $85 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Ohio Cities | |
|---|---|
| Columbus | $100/mo |
| Cleveland | $122/mo |
| Cincinnati | $124/mo |
| Toledo | $113/mo |
| Youngstown | $126/mo |
| Ohio | $117/mo |
Columbus$100
Toledo$113
Average for OH$117
Cleveland$122
Cincinnati$124
Youngstown$126
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Ohio
All motor vehicles operated or parked on Ohio roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
Inspecting a vehicle
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Ohio[1] are:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Ohio is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Youngstown Car Insurance Rates by Driver Age
Car insurance rates tend to decrease as you age because young drivers have less experience and are at a greater risk for a car accident. Older drivers, on the other hand, may see some of the lowest car insurance quotes. Here’s what you can expect on average in Ohio.
| Driver's Age | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Teens | $267 |
| 20s | $162 |
| 30s | $116 |
| 40s | $106 |
| 50s | $93 |
| 60s | $89 |
| 70s | $97 |
| 80s+ | $111 |
Youngstown Car Insurance Rates by Driving and Accident History
If you have infractions on your driving record, insurance companies will consider you a high-risk driver. DUIs, speeding tickets, failures to stop, and at-fault accidents can all drive up your rates. While you can’t go back in time and change your driving history, you can ask your insurance agent about usage-based discounts or driving course discounts to offset your high premium.
| Driving History | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| No Violation | $134 |
| Speeding Ticket | $173 |
| At-Fault Accident | $180 |
| DUI | $265 |
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Youngstown Car Insurance Rates by Credit Tier
About 95 percent of insurers use your credit score, which is based on information in your credit report, when determining your rate. That’s because historical research shows that people with low scores account for a higher percentage of paid claims. Here’s what you can expect to pay for car insurance in Youngstown, Ohio, based on your credit score.
| Credit Tier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Excellent | $151 |
| Good | $161 |
| Average | $188 |
| Bad | $233 |
See More: Bad Credit Car Insurance Ohio
Find local Youngstown agents
Prism Insurance LLC
704 E. Midlothian Suite C,
Youngstown, OH 44502World Insurance Associates LLC DBA Cailor Fleming & Associates Inc
4610 Market St,
Youngstown, OH 44512Goulish-Kosco Insurance Agency, Inc.
7617 Market St,
Youngstown, OH 44512-6009Suburban Insurance Agency Inc
1416 S Raccoon Rd,
Youngstown, OH 44515-4525Huntington Insurance
23 Federal Plz W,
Youngstown, OH 44503-1411Chase Agency Inc
809 Kentwood Dr,
Youngstown, OH 44512First Insurance Group dba James & Sons Insurance
4444 Market St,
Youngstown, OH 44512L L & D Insurance
70 W McKinley Way Ste 23,
Youngstown, OH 44514-1967DMW Inc. dba Don Weibling Insurance Agency
5500 Market St Ste 113,
Youngstown, OH 44512-2616National Healthcare Access Agency, Inc.
7422 Southern Blvd,
Youngstown, OH 44512-5629
Youngstown DMV Information
The DMV is a state-level government agency that provides services related to cars and other motor vehicles, such as vehicle registration and titles as well as suspensions and reinstatements. However, in Ohio it is called the BMV, or the Bureau of Motor Vehicles.
Youngstown, Ohio is home to one BMV office for motorists. The office is open from 8:00 a.m. to 5:00 p.m. Monday through Friday and from 8:00 a.m. to 12:00 p.m. on Saturday. The Youngstown BMV has mixed reviews and often reports long wait times. The BMV office is located at:
2950 Mahoning Ave, Youngstown, OH 44509
(330) 799-9747
Public Transportation in Youngstown
While most Youngstown commuters choose to drive to get from point A to point B, Youngstown does offer a variety of public transportation services. The Western Reserve Transit Authority (WRTA) offers bus connections throughout metropolitan Youngstown via thirty-two fixed routes.
If you don’t want to use your personal vehicle to commute but want more privacy than a bus can offer, Uber and Lyft operate around Youngstown as well.
How to Get the Cheapest Car Insurance in Youngstown
The easiest way to find cheap car insurance in Youngstown is to compare customized car insurance quotes with Insurify . With Insurify, you can compare quotes from multiple providers side-by-side to find the best auto insurance policy for you. The best part? You don’t have to call multiple insurance agents to find the cheapest rate because it’s all in one place.
With Insurify , you’ll just need to answer a few questions about your vehicle and driving history to get started. From there, you can view free quotes from national insurance providers such as Allstate and State Farm insurance as well as local insurance companies all in one spot. You can also use Insurify to shop for home insurance and life insurance.
For more detailed Ohio city level guides, check out these below.
FAQs - Youngstown, OH Car Insurance
Instead of going to an insurance agency to find quotes, you can use Insurify to identify the car insurance companies that can offer you the cheapest premiums in Youngstown. Another great way to save on insurance premiums is to bundle your homeowners or renters insurance with your auto insurance policy.
Car insurance in Youngstown costs an average of $118 per month, but individual rates will vary based on the driver’s address, age, gender, and driving history. That’s why it’s important to get free quotes from multiple insurers before making your selection. Insurify makes it super easy to collect quotes in one spot without having to call a local agent.
Car insurance in Youngstown is relatively inexpensive compared to auto insurance across the nation, but young drivers will pay more for car insurance in Youngstown, as will drivers with accidents and DUIs on their records. People who want a full-coverage policy will also pay significantly more for car insurance than those who opt for state minimum liability coverage.
Insurify Insights
How Youngstown Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Youngstown, Ohio below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Youngstown drivers measure up to their fellow motorists across Ohio in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Chevrolet Malibu
Most Popular Car in Youngstown
#84
City with the Most Speeding Tickets Rank in Ohio
#72
City with the Most Moving Violations Rank in Ohio
#49
City with the Most DUIs Rank in Ohio
#67
City with the Most Suspended Licenses in Ohio
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Youngstown drivers rank 49 in the number of car accidents per driver across all cities in Ohio.
- Rank within state: #49
- Percent of drivers in Youngstown with an accident: 11.5%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Youngstown drivers rank 49 in the number of DUI’s per driver across all cities in Ohio.
- Rank within state: #49
- Percent of drivers in Youngstown with a DUI: 2.6%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Ohio, Youngstown drivers rank 48 in the number of reckless driving offenses per driver.
- Rank within state: #48
- Percent of drivers in Youngstown with a reckless driving offense: 2.1%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Ohio, Youngstown drivers rank 63 in rude driving infractions.
- Rank within state: #63
- Percent of drivers in Youngstown with a reckless driving violation: 2.3%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Ohio, Youngstown drivers rank 84 in the number of speeding infractions per driver.
- Rank within state: #84
- Percent of drivers in Youngstown with a speeding ticket: 10.9%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Youngstown drivers rank 49 in clean driving records across all cities in Ohio.
- Rank within state: #49
- Percent of drivers in Youngstown with clean record: 71.3%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Youngstown drivers rank 69 in hybrid and electric vehicle ownership across all cities in Ohio.
- Rank within state: #69
- Percent of drivers in Youngstown with a hybrid/electric vehicle: 0.42%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Ohio Bureau of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
