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How much is car insurance in Youngstown?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Youngstown are on par with what you would pay anywhere else in Ohio.
Compared to the national average cost of auto insurance coverage, Youngstown has lower rates. The average monthly payment for the U.S. as a whole is about $20 more expensive than in Youngstown.
While these are the average costs to insure your vehicle in Youngstown, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Youngstown residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Youngstown drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Youngstown, although men do pay a bit less on their monthly premiums, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Youngstown, having a single accident on your record will usually get you rates around $82 a month. In addition, drivers with one ticket can expect to pay around $73 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$55|
According to the first table above, the cheapest vehicles to insure in Youngstown are usually trucks and vans, at $53 per month.
SUV drivers will see rates of about $59 for insurance coverage, while car owners typically pay around $63 a month.
The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Youngstown, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Youngstown as well, where the difference is around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $10 a month more than homeowners in Youngstown. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Youngstown, OH
Recent trends in car insurance for Youngstown drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Youngstown, the rates for auto insurance have been steadily decreasing, reaching a low of $31 in 2022.
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 many factors when deciding how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Total amount of drivers in the area
- Community laws
- Off-street parking accessibility
- Crime levels
- Road Safety (frequency of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies 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 age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Youngstown different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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 however, 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Youngstown or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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