Youngstown, OH Car Insurance

The average monthly cost for car insurance in Youngstown is about $63. Learn more in our handy guide below.
How do rates in Youngstown measure up compared to neighboring areas, including Ohio as a whole? What can Youngstown residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Youngstown?

Area Average Monthly Car Insurance Premium
Youngstown$63
OH$59
United States$80

Auto insurance policies in Youngstown are about $4 a month more expensive than the rest of Ohio.

That being said, the expected monthly payments for an auto insurance policy in Youngstown are below the national average. It's about $17 cheaper than the national average to insure your vehicle in Youngstown.

While these numbers represent the average monthly payments for coverage in Youngstown, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've analyzed the average rate for Youngstown and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$95
25-34$56
35-44$55
45-54Not Enough Data
55-64$42
65+$44

The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may start to rise again in Youngstown.

Average Car Insurance Rates by Gender

Gender Average
Male$62
Female$64

Car insurance rates for men are usually slightly more expensive than they are for women. In Youngstown, however, men actually pay a little bit less than female drivers for auto insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$83
Multiple Accidents$84
1 Ticket$88
Multiple Tickets$72

Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Youngstown, drivers with one accident on their record will experience rates around $83 a month. In addition, drivers with a single ticket on their record can expect to pay around $88 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$56
2-3 Years$42
4-5 Years$68
6-7 Years$59
8-10 Years$69
11-14 Years$67
15 Years or Older$57

The cheapest vehicles to insure in Youngstown are typically trucks and vans, with each type typically costing about $55 per month.

Car owners can expect to pay an average of around $64 a month for their policy, while SUVs usually cost around $62 a month to insure.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Youngstown are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$46
Divorced$54
Widowed$48

Overall, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Youngstown is no exception, with the difference totaling to around $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$65
Live with parents$89

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $12 a month more than homeowners in Youngstown. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Youngstown, OH

Recent trends in car insurance for Youngstown drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

In Youngstown, the rates for car insurance went up from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $57 per month.

How does Youngstown compare to neighboring areas?

Why are car insurance rates in Youngstown different from other areas?

Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Amount of drivers
  • Laws
  • Prevalence of crime
  • General road safety (how many accidents each locality has)
  • Amount of off-street parking

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Youngstown?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Youngstown.

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Youngstown Insurance FAQs

What factors affect car insurance quotes in Youngstown?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Youngstown different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Youngstown?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Youngstown?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Youngstown or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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