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Cheap Auto Insurance Quotes in Youngstown, OH (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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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.

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.

Quotes by Top Companies

Travelers
$85
GAINSCO
$87
Mile Auto
$99
National General
$105
Clearcover
$109

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 YoungstownQuotes
Travelers$85 /mo
GAINSCO$87 /mo
Mile Auto$99 /mo
National General$105 /mo
Clearcover$109 /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 CompaniesScoreQuotes
Clearcover97$109 /mo
Nationwide89$89 /mo
Safeco86$117 /mo
Liberty Mutual82$153 /mo
Travelers80$85 /mo

Average Car Insurance Cost

Ohio Cities
Columbus$100/mo
Cleveland$122/mo
Cincinnati$124/mo
Toledo$113/mo
Youngstown$124/mo
Ohio$117/mo
Columbus
$100
Toledo
$113
Average for OH
$117
Cleveland
$122
Cincinnati
$124
Youngstown
$124
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in OH

Liability insurance comprised of bodily injury liability and property damage liability, is mandatory coverage for all drivers in the state of Ohio.

According to the Bureau of Motor Vehicles (BMV), proof of insurance must be carried in the vehicle and shown at traffic stops, vehicle inspections, and accident scenes. Minimum coverages for car insurance in the state of Ohio are:

  • $25,000 for bodily injury liability of one person 
  • $50,000 for bodily injury liability of two or more people
  • $25,000 for property damage liability in an accident

Ohioans are so invested in their residents purchasing liability insurance that its government has any driver applying for a driver’s license sign a document that affirms auto insurance coverage and knowledge of the penalties of driving uninsured.

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 AgeAvg. Monthly Cost
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 HistoryAvg. Monthly Cost
No Violation$134
Speeding Ticket$173
At-Fault Accident$180
DUI$265

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 TierAvg. Monthly Cost
Excellent$151
Good$161
Average$188
Bad$233

Find local Youngstown agents

  • Prism Insurance LLC 

    704 E. Midlothian Suite C,
    Youngstown, OH 44502
  • World Insurance Associates LLC DBA Cailor Fleming & Associates Inc 

    4610 Market St,
    Youngstown, OH 44512
  • Goulish-Kosco Insurance Agency, Inc. 

    7617 Market St,
    Youngstown, OH 44512-6009
  • Suburban Insurance Agency Inc 

    1416 S Raccoon Rd,
    Youngstown, OH 44515-4525
  • Huntington Insurance 

    23 Federal Plz W,
    Youngstown, OH 44503-1411
  • Chase Agency Inc 

    809 Kentwood Dr,
    Youngstown, OH 44512
  • First Insurance Group dba James & Sons Insurance 

    4444 Market St,
    Youngstown, OH 44512
  • L L & D Insurance 

    70 W McKinley Way Ste 23,
    Youngstown, OH 44514-1967
  • DMW Inc. dba Don Weibling Insurance Agency 

    5500 Market St Ste 113,
    Youngstown, OH 44512-2616
  • National Healthcare Access Agency, Inc. 

    7422 Southern Blvd,
    Youngstown, OH 44512-5629
View more

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.

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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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

Chevrolet Malibu

Most Popular Car in Youngstown

#23

City with the Most Speeding Tickets Rank in Ohio

#41

City with the Most Moving Violations Rank in Ohio

#9

City with the Most DUIs Rank in Ohio

#36

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 17 in the number of car accidents per driver across all cities in Ohio.

    • Rank within state: #17
    • Percent of drivers in Youngstown with an accident: 13.51%
    • Drivers in Youngstown, OH with an accident in their driving history pay on average 32.59% more than drivers with a clean record
  • 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 23 in the number of speeding infractions per driver.

    • Rank within state: #23
    • Percent of drivers in Youngstown with a speeding ticket: 14.43%
    • Drivers in Youngstown, OH with a speeding ticket in their driving history pay on average 26.67% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Youngstown drivers rank 9 in the number of DUI’s per driver across all cities in Ohio.

    • Rank within state: #9
    • Percent of drivers in Youngstown with a DUI: 3.7%
    • Drivers in Youngstown, OH with a DUI in their driving history pay on average 30.37% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Youngstown is the Chevrolet Malibu.

  • 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 5 in rude driving infractions.

    • Rank within state: #5
    • Percent of drivers in Youngstown with a reckless driving violation: 3.35%
    • Drivers in Youngstown, OH with a reckless driving violation in their driving history pay on average 37.04% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Youngstown drivers rank 4 in clean driving records across all cities in Ohio.

    • Rank within state: #4
    • Percent of drivers in Youngstown with clean record: 72.75%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Youngstown drivers rank 5 in failure to yield violations per driver across all cities in Ohio.

    • Rank within state: #5
    • Percent of drivers in Youngstown with a failure to yield violation: 0.92%
    • Drivers in Youngstown, OH with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • 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 9 in the number of reckless driving offenses per driver.

    • Rank within state: #9
    • Percent of drivers in Youngstown with a reckless driving offense: 0%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Youngstown drivers rank 21 in hybrid and electric vehicle ownership across all cities in Ohio.

    • Rank within state: #21
    • Percent of drivers in Youngstown with a hybrid/electric vehicle: 0.17%
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.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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