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Finding the cheapest car insurance quotes in Youngstown shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Youngstown
The car insurance rate in Youngstown is $1313 for a six-month policy, which is $288 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $838, making it a popular choice for budget-conscious drivers. Rates in Youngstown 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.
At $838 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $891 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1037
for six months, making it
the third cheapest auto insurance company in Youngstown.
Youngstown Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Youngstown, FL is Travelers, offering policies at just $838 for a six-month term. This is followed by State Farm, which has an average six-month premium of $891.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $784 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Youngstown drivers find the best deals.
Way's key takeaways about car insurance in Youngstown
The auto insurance costs in Youngstown fall around $838 for six
months.
The cheapest auto insurance company in Youngstown is Patrons Insurance.
Teen drivers pay the highest rate in Youngstown at $1132 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Youngstown
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 Youngstown are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Youngstown. Their Average 6 Month Premium is $103.
Metropolitan Group is the most
expensive at $312 for the same
period.
Cheapest Full Coverage Car Insurance in Youngstown
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 Youngstown is Travelers
at $141 per month and $838
for six months.
Cheapest Full Coverage Car Insurance Quotes in Youngstown,
FL
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Average Car Insurance in Youngstown 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 Youngstown, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Youngstown, Florida, may be increasing due to several external factors.
Florida has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Youngstown's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Youngstown
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Travelers
$1064
40s
Travelers
$803
50s
Travelers
$749
60s
Travelers
$738
Cheapest Car Insurance Rates for Teen Drivers in
Youngstown,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Youngstown at $74
per
month. At $6658 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Youngstown.
As young drivers face the highest rates in Youngstown, Travelers
offers the cheapest auto insurance rates at $1064 for six months.
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 Youngstown,
Nationwide is
the cheapest car insurance provider. At $531 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
Youngstown is Allstate, offering
rates of around $4257 for six
months.
Save up to $971/yr on car insurance rates in Youngstown.
Car Insurance Rates with An Accident in Youngstown
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 Youngstown, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Youngstown
The cheapest car insurance companies after an at-fault accident in
Youngstown include Nationwide
and AIG, offering $560
and $716,
respectively. National General is an expensive provider
with an average six-month premium of
$867.
Here is a list of driving violations that can increase your car
insurance rates in Youngstown FL. For example, the car
insurance in Youngstown
after a DUI increases to $769 for a six
month policy. While the rate increases by $233 for a six-month policy in the case of
a speeding ticket.
Youngstown auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1496
$249
One Med/PIP claim
$1496
$254
Not-at-fault accident
$1617
$270
Two Med/PIP claims
$1661
$282
One comp claim
$1685
$281
Child safety restraint
$1690
$287
Failure to wear a seat belt
$1690
$282
Driving without lights
$1695
$288
Failure to show documents
$1695
$283
Speeding 6 - 10 MPH over limit
$1729
$294
Improper passing
$1734
$289
Passing school bus
$1734
$295
Wrong way/wrong lane
$1734
$289
Failure to stop at a red light
$1739
$296
Failure to yield
$1739
$289
Illegal turn
$1739
$296
Cell phone violation
$1744
$290
Driving with expired registration
$1744
$297
Following too closely
$1744
$290
Texting while driving
$1748
$298
Two comp claims
$1788
$298
Driving too slowly
$1797
$306
Speeding in school zone
$1797
$299
Speeding 11 - 15 MPH over limit
$1802
$307
In 65 MPH zone
$1866
$311
Speeding 16 - 20 MPH over limit
$1866
$317
Speeding 21 - 25 MPH over limit
$1875
$312
Open container
$1895
$322
Operating a vehicle without permission
$1895
$316
At-fault accident - less than $1000
$2056
$349
At-fault accident - $1000-$2000
$2089
$349
At-fault accident - greater than $2000
$2089
$355
Racing
$2260
$376
DUI
$2265
$385
Refusal to submit to a chemical test
$2265
$377
Driving with a suspended license
$2304
$392
Reckless driving
$2353
$392
Leaving scene of an accident/hit and run
$2377
$404
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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 Youngstown 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 Youngstown.
The cheapest car insurance premiums in
Youngstown are
offered by AIG at $526 for a six-month policy.
However, it can be as
expensive as $653 with companies
like National General.
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 Youngstown are offered by Nationwide
at $458. However,
it can be as expensive as $2377
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Youngstown after Speeding ticket
Car insurance rates in Youngstown have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Youngstown remained steady at $226 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Youngstown remained steady at $69 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Youngstown by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Youngstown. At $2625 for a
six-month policy, insuring
your car at 32466 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Youngstown?
The car insurance in Youngstown is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Youngstown?
The cheapest car insurance in Youngstown
is $141 per month
for full coverage.
How much is car insurance in Youngstown for teenagers?
Car insurance for teenagers costs $444 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
Youngstown?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $221 per month to insure your
car in Youngstown.
Is car insurance expensive in Youngstown?
Car insurance can be expensive in Youngstown if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Youngstown can be
affordable.
What is the best car insurance in Youngstown,
FL?
The best car insurance company in Youngstown
FL is
Travelers, offering $838 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Youngstown, FL
Car Insurance Rates by State in the USA (2025 Update)
Youngstown Car Insurance
