Cheapest Car Insurance Quotes in Youngtown

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Youngtown Car Insurance

^$ 48

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Youngtown

The car insurance rate in Youngtown is $1216 for a six-month policy, which is $203 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $563, making it a popular choice for budget-conscious drivers. Rates in Youngtown can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Youngtown

$1216

Avg. Car Insurance in Arizona

$1013

National Average

$1278

Cheapest Car Insurance Companies in Youngtown

1st place: Root Insurance Company

At $563 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $742 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $776 for six months, making it the third cheapest auto insurance company in Youngtown.

Youngtown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Youngtown, AZ is Root Insurance Company, offering policies at just $563 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $742.

At the higher end of the spectrum, CSAA is the most expensive, with rates reaching $2424 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Youngtown drivers find the best deals.

Cheap Car Insurance Companies in Youngtown, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$563	$96
Auto-Owners Insurance Co	$742	$124
Farmers	$776	$132
Mercury	$798	$133
Hartford	$834	$142
Iowa Farm Bureau	$841	$140
Travelers	$991	$167
USAA	$1162	$196
Progressive	$1176	$198
State Farm	$1198	$202
Auto-Owners	$1348	$227
Farm Bureau	$1746	$292
Allstate	$1818	$306
The Hartford	$1818	$306
CSAA	$2424	$412

Key Takeaways

Way's key takeaways about car insurance in Youngtown

The auto insurance costs in Youngtown fall around $563 for six months.
The cheapest auto insurance company in Youngtown is Mercury.
Teen drivers pay the highest rate in Youngtown at $982 per month.

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Cheapest Minimum Liability Car Insurance in Youngtown

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Youngtown are given below.

Mercury provides the cheapest minimum car insurance coverage in Youngtown. Their Average 6 Month Premium is $286. The Hartford is the most expensive at $734 for the same period.

Cheapest Liability Coverage in Youngtown, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$286	$48
Auto-Owners Insurance Co	$371	$64
Travelers	$371	$62
Country Financial	$378	$65
Root Insurance Company	$385	$64
USAA	$392	$66
Farmers	$407	$67
Auto-Owners	$427	$72
Iowa Farm Bureau	$427	$71
State Farm	$470	$79
Progressive	$485	$82
Allstate	$613	$103
Farm Bureau	$662	$110
The Hartford	$734	$125

Cheapest Full Coverage Car Insurance in Youngtown

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Youngtown is Root Insurance Company at $96 per month and $563 for six months.

Cheapest Full Coverage Car Insurance Quotes in Youngtown, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$563	$96
Auto-Owners Insurance Co	$742	$124
Farmers	$776	$132
Mercury	$798	$133
Hartford	$834	$142
Iowa Farm Bureau	$841	$140
Travelers	$991	$167
USAA	$1162	$196
Progressive	$1176	$198
State Farm	$1198	$202
Auto-Owners	$1348	$227
Farm Bureau	$1746	$292
Allstate	$1818	$306
The Hartford	$1818	$306
CSAA	$2424	$412

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Average Car Insurance in Youngtown by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Youngtown, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Youngtown, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Youngtown's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Youngtown

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Youngtown,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Youngtown at $58 per month. At $5773 for a six-month premium, The Hartford offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$342	$58
Root Insurance Company	$392	$67
Country Financial	$442	$73
Farmers	$499	$85
Auto-Owners Insurance Co	$506	$84
Iowa Farm Bureau	$528	$90
Travelers	$1447	$244
USAA	$1711	$288
State Farm	$1782	$300
Progressive	$2766	$466
Allstate	$2951	$497
Farm Bureau	$4519	$768
Auto-Owners	$4555	$760
The Hartford	$5773	$982

Teen Car Insurance Rates in AZ by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Youngtown, Mercury is the cheapest car insurance provider. At $328 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Youngtown is State Farm, offering rates of around $8226 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$328	$55
Root Insurance Company	$492	$84
Country Financial	$528	$88
Farmers	$592	$101
Nationwide	$606	$101
Iowa Farm Bureau	$770	$131
Hartford	$784	$131
Progressive	$1241	$209
Travelers	$1268	$214
Allstate	$2338	$394
USAA	$2345	$391
Farm Bureau	$3016	$512
The Hartford	$3728	$622
Auto-Owners	$4483	$762
State Farm	$8226	$1370

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Car Insurance Rates with An Accident in Youngtown

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Youngtown, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Youngtown

The cheapest car insurance companies after an at-fault accident in Youngtown include Root Insurance Company and Country Financial, offering $485 and $492, respectively. CSAA is an expensive provider with an average six-month premium of $3935.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$485	$80
Country Financial	$492	$84
Auto-Owners Insurance Co	$577	$96
Noblr	$812	$138
Travelers	$848	$143
Root	$884	$150
State Farm	$905	$152
General Casualty	$1105	$188
USAA	$1133	$191
Progressive	$1297	$218
Farmers	$1632	$275
Mercury	$1697	$286
Farm Bureau Mutual (IA Group)	$1753	$293
Auto-Owners	$1889	$318
Metromile	$1996	$332
General Agents Group	$2245	$382
Country	$2374	$396
Encompass	$2580	$439
Allstate	$2609	$439
Nationwide	$2773	$472
The Hartford	$2822	$475
Safeway	$3157	$536
Farm Bureau	$3336	$556
Permanent General	$3414	$581
MetLife	$3892	$649
CSAA	$3935	$670

Youngtown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Youngtown AZ. For example, the car insurance in Youngtown after a DUI increases to $1447 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Youngtown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1404	$234
One Med/PIP claim	$1404	$239
Not-at-fault accident	$1411	$235
One comp claim	$1469	$250
Two Med/PIP claims	$1469	$245
Two comp claims	$1525	$259
Failure to wear a seat belt	$1604	$268
Child safety restraint	$1668	$283
Driving without lights	$1668	$278
Failure to show documents	$1668	$283
Speeding 6 - 10 MPH over limit	$1697	$283
Driving too slowly	$1760	$299
Speeding 11 - 15 MPH over limit	$1760	$294
Speeding in school zone	$1760	$299
Driving with expired registration	$1775	$296
Speeding 16 - 20 MPH over limit	$1775	$301
Cell phone violation	$1782	$298
Failure to stop at a red light	$1782	$304
Failure to yield	$1782	$298
Following too closely	$1782	$304
Illegal turn	$1782	$298
Texting while driving	$1782	$304
Wrong way/wrong lane	$1782	$298
Improper passing	$1811	$308
Speeding 21 - 25 MPH over limit	$1832	$305
In 65 MPH zone	$1860	$317
Passing school bus	$1882	$313
At-fault accident - less than $1000	$1932	$329
Operating a vehicle without permission	$2032	$338
At-fault accident - $1000-$2000	$2088	$355
At-fault accident - greater than $2000	$2117	$353
Open container	$2224	$378
Reckless driving	$2466	$412
Driving with a suspended license	$2545	$433
DUI	$2851	$475
Refusal to submit to a chemical test	$2851	$485
Racing	$2915	$486
Leaving scene of an accident/hit and run	$2929	$498

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Youngtown after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Youngtown.

The cheapest car insurance premiums in Youngtown are offered by Mercury at $378 for a six-month policy. However, it can be as expensive as $2146 with companies like Nationwide.

Youngtown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$378	$62
Root Insurance Company	$427	$73
Country Financial	$535	$89
Farmers	$577	$98
Hartford	$670	$112
Progressive	$977	$164
Travelers	$1006	$169
State Farm	$1326	$223
USAA	$1939	$326
Auto-Owners	$2303	$388
The Hartford	$3101	$517
Allstate	$3600	$606
CSAA	$4056	$676
Farm Bureau	$4241	$721
Nationwide	$2146	$365

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Youngtown are offered by AutoOwners Insurance Co at $371. However, it can be as expensive as $4034 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Youngtown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$371	$64
Mercury	$407	$67
Country Financial	$442	$76
Root Insurance Company	$485	$80
Farmers	$499	$85
State Farm	$962	$162
Travelers	$1069	$180
Progressive	$1076	$181
USAA	$1525	$259
Auto-Owners	$1561	$260
Farm Bureau	$2374	$403
The Hartford	$2701	$450
Allstate	$4034	$686

Car Insurance Price Trends in Youngtown, Arizona

Car insurance rates in Youngtown have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Youngtown remained steady at $252 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Youngtown remained steady at $76 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Youngtown?

The car insurance in Youngtown is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Youngtown?

The cheapest car insurance in Youngtown is $96 per month for full coverage.

How much is car insurance in Youngtown for teenagers?

Car insurance for teenagers costs $342 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Youngtown?

The average cost of car insurance is $1013 for a six-month policy. It will cost around $204 per month to insure your car in Youngtown.

Is car insurance expensive in Youngtown?

Car insurance can be expensive in Youngtown if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Youngtown can be affordable.

What is the best car insurance in Youngtown, AZ?

The best car insurance company in Youngtown AZ is Root Insurance Company, offering $563 for a six-month policy.