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Drivers pay an average cost of $64 per month for liability coverage and $114 per month for full coverage in Youngstown. Its average premiums are lower than those in nearby Cleveland ($71), but higher than in Canton ($63), according to Insurify data.
Youngstown’s lighter traffic and shorter commutes may help keep its rates lower than those of larger Ohio metro areas.
Youngstown’s overall average rate of $89 per month is similar to the Ohio state average of $91.
Mile Auto is the cheapest insurer for liability coverage, with policies averaging $34 per month. The cheapest full-coverage insurer is Mile Auto, with policies averaging $54 monthly.
Ohio’s minimum car insurance requirements include at least $25,000 per person in bodily injury liability insurance, $50,000 per accident, and $25,000 in property damage liability coverage.[1]
But Youngstown drivers may want to consider full coverage to protect their vehicles from potholes during the winter months.[2] Collision coverage pays for pothole damage, so if you only have the state-minimum coverage, you’ll have to pay for these repairs yourself.
The following table shows the cheapest liability and full-coverage car insurance rates in Youngstown.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $36 |
| State Farm | $36 |
| Auto-Owners | $41 |
| Erie | $41 |
| Progressive | $41 |
| Commonwealth Casualty | $46 |
| GEICO | $46 |
| USAA | $46 |
| Safeco | $48 |
| The General | $49 |
| American Family | $51 |
| Certainly | $51 |
| Trexis | $57 |
| AssuranceAmerica | $59 |
| First Acceptance | $61 |
| Hugo | $61 |
| Trexis One | $61 |
| Allstate | $66 |
| Direct Auto | $66 |
| GAINSCO | $66 |
| Elephant | $67 |
| Clearcover | $70 |
| Bristol West | $71 |
| Dairyland | $75 |
| Root | $78 |
| National General | $79 |
| Liberty Mutual | $80 |
| Travelers | $85 |
| Farmers | $86 |
| Insurify Car | $107 |
| CSAA | $110 |
| State Auto | $119 |
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $58 |
| State Farm | $58 |
| Auto-Owners | $68 |
| Erie | $68 |
| USAA | $76 |
| Progressive | $77 |
| Safeco | $78 |
| GEICO | $79 |
| American Family | $84 |
| Allstate | $91 |
| Direct Auto | $93 |
| AssuranceAmerica | $110 |
| Elephant | $110 |
| Certainly | $116 |
| The General | $116 |
| National General | $118 |
| Commonwealth Casualty | $122 |
| CSAA | $124 |
| Root | $131 |
| Liberty Mutual | $140 |
| Travelers | $140 |
| Trexis | $142 |
| Farmers | $143 |
| Clearcover | $145 |
| GAINSCO | $152 |
| Bristol West | $158 |
| First Acceptance | $168 |
| Trexis One | $174 |
| Dairyland | $176 |
| State Auto | $198 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Car insurance costs vary across Ohio, with Newark having the lowest average monthly premiums ($74) and Maple Heights the highest ($108).
At $89 per month, Youngstown’s average rates are more affordable than rates in nearby Akron and Cleveland but slightly more expensive than rates in Canton, according to Insurify data.
Youngstown’s low population density may help keep its average rates low. The following table compares the average premiums across different Ohio cities.
City | Average Monthly Quote |
|---|---|
| Newark | $74 |
| Mansfield | $76 |
| Springfield | $78 |
| Lancaster | $82 |
| Lorain | $82 |
| Canton | $84 |
| Elyria | $84 |
| Hamilton | $89 |
| Youngstown | $89 |
| Dayton | $91 |
| Akron | $96 |
| Cincinnati | $101 |
| Cleveland | $104 |
| Toledo | $104 |
| Columbus | $107 |
| Maple Heights | $108 |
Youngstown tends to be less congested than larger Ohio metro areas, with an average commute of about 21 minutes, according to a county community health assessment. But drivers using Interstate 680 or I-80 to travel to different parts of Mahoning County, such as Boardman or Austintown, may still encounter rush-hour traffic.
Winter weather is one of the biggest challenges Youngstown drivers will face. Youngstown averages nearly 63 inches of snow each year, according to the National Weather Service, which can make roads hazardous and increase the risk of crashes. Youngstown also had eight days of record-breaking cold, with temperatures dropping to as low as 12 degrees below zero.
Freezing temperatures can lead to slick roads, especially on bridges and overpasses. And Ohio’s frequent freeze-thaw cycles, salting, and plowing can contribute to potholes that can damage your wheels and tires.
Your driving record can have a major effect on what you pay for car insurance in Youngstown. Speeding tickets, at-fault accidents, and driving under the influence convictions (DUIs) can all lead to higher premiums. Most moving traffic violations will add two points to your driving record, but more serious violations can add four to six points.[3]
The following table shows what Youngstown drivers pay for car insurance based on their driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $89 |
| Speeding ticket | $118 |
| At-fault accident | $126 |
| DUI | $129 |
Age is another significant factor influencing your car insurance rates. In Ohio, teens can get their learner’s permit at 15 and a half through the state’s graduated licensing program.[4]
Drivers younger than 24 are in 31% of all car crashes even though they only represent 13% of all licensed drivers, according to the Ohio Traffic Safety Office.[5]
And in Mahoning County, more than 24% of residents are 65 or older, according to the U.S. Census Bureau. Seniors already benefit from low average rates, but senior driving discounts can help lower them even further.
The following table shows the average liability rates for Youngstown drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $244 |
| 20s | $151 |
| 30s | $123 |
| 40s | $114 |
| 50s | $105 |
| 60s | $99 |
| 70+ | $102 |
*Quotes generated for Insurify users in and around Youngstown, Ohio within the last 10 days. Last updated on September 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Youngstown, Ohio within the last 10 days. Last updated on September 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Below, you’ll find additional information about comparing the best car insurance in Youngstown.
The average cost of car insurance in Youngstown is $64 per month for liability coverage and $114 for full coverage, according to Insurify data. This is slightly higher than the state average, but you may be able to save by bundling your auto and home insurance or renters insurance, and by comparing multiple car insurance quotes in Youngstown.
Mile Auto offers the cheapest car insurance in Youngstown, with an average monthly rate of $34 for liability coverage. But that doesn’t mean it’ll be the cheapest insurer for you, so it’s still important to shop around and compare auto insurance quotes.
Your driving history, age, ZIP code, and coverage options all affect your car insurance rates in Youngstown. You may find cheap Youngstown car insurance by increasing your deductible and taking advantage of safe driver discounts.
Teen drivers can find lower rates by joining their parents’ policy, taking advantage of good student discounts, and completing an approved driver’s education course.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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