Young America Car Insurance Review & Ratings (2023)

Drivers with a checkered driving history can find it hard to obtain car insurance. Young America doesn’t offer a wide range of coverages but provides basic car insurance for high-risk drivers. Rates depend on several factors, but discounts are available to lower insurance costs.

Knowing about Young America Insurance will help you determine if the company is the best option for you.

Before starting this Young America Insurance review, enter your ZIP code to find free auto insurance rates in your area.

Does Young America Insurance have competitive rates?

Young America has limited options for coverage but makes up for it with affordable rates. Rather than providing a wide range of services, the company focuses on providing coverage to drivers that find it difficult to obtain car insurance from other companies.

Some drivers can find affordable Young America car insurance as low as $20 per month. However, the company uses several factors to determine car insurance rates. Some of the factors that Young America uses to determine monthly rates include:

• Driving record
• Age
• Vehicle
• Coverage
• Location
• Credit score
• Marital status and gender
• Mileage
• Occupation

The best way to get the cheapest Young America car insurance rates is to keep a clean driving record, a high credit score, and limit your mileage.

What coverages are available from Young America Insurance?

One of the reasons Young America coverage is so affordable is the lack of insurance options. The Young America car insurance company only offers the basic standard types of auto insurance plus rental reimbursement.

Due to the lack of options, the company isn’t the right fit for drivers looking for extensive coverage. However, it’s a good choice for those looking for basic coverage, such as your state’s minimum requirement.

According to the Insurance Information Institute, most states require that drivers carry specific coverages. This requirement is usually liability insurance. If a driver has their license revoked, they’ll need to obtain the necessary coverage to reinstate driving privileges.

Before inquiring about Young America car insurance quotes, it’s good to know which coverages are available and how they protect you. The following table shows the basic coverages offered by Young America and what they cover.

Young America Insurance Auto Coverages

In addition to these coverages, Young America also provides rental insurance. This type of policy provides coverage up to a certain amount for the cost of a rental car when you can’t use your vehicle.

What discounts are available from Young America Insurance?

The best way to find cheap insurance is to compare quotes from various companies and take advantage of saving opportunities. Most insurance companies offer multiple discounts for customers to lower their rates.

Young America doesn’t have discount options on its website but offers similar saving opportunities to other companies owned by its parent company, the Loya Insurance Group. The following chart shows some of the discounts you might find from Young America Insurance.

Young America Insurance Auto Discounts

In addition to these savings, Young America offers discounts for specific demographics. Some of the people that can save even more with Young America include:

• Military and veterans
• Seniors
• Teachers

Young America also offers a small discount for garaging your vehicle. Keeping your car in a locked garage makes drivers cheaper to insure because it’s less likely that the car will be damaged or stolen during the night.

How are the Young America Insurance reviews?

Young America is a small company, so many organizations haven’t reviewed or rated it. This fact can make it difficult to determine the quality and financial stability of the company. Additionally, the Loya Insurance Group also lacks financial reviews.

Credit rating agencies, like A.M. Best, regularly determine the financial strength of insurance companies, indicating the likelihood that customers will receive a payout when filing a claim. However, none of these agencies have reviewed Young America Insurance or the Loya Insurance Group.

Similarly, the Better Business Bureau (BBB) hasn’t reviewed Young America Insurance. However, the Loya Insurance Group has been rated a C by the BBB. There are currently 43 customer reviews on the BBB website about the Loya Insurance Group, with an average rating of one out of five stars.

At the time of this review, the BBB has received 108 complaints about the Loya Insurance Group over the past three years. The most common complaints made about the organization are:

• Unsatisfactory settlements and offers
• Delays in handling claims
• Denial of claims

Examining the individual complaints made about the company and its parent company will help you decide if they should be a concern.

How can you file a claim about Young America Insurance?

Customers looking to file a claim can do so by calling the Young America Insurance phone number at 1-800-880-0472. After providing your information to a representative, a liability claims adjuster will continue the report. They will contact you within 24 hours of reporting the claim.

Unfortunately, the Young America Insurance claims department isn’t available at all times. You can only file a claim during office hours, which are:

• Monday through Friday between 7 a.m. and 8 p.m. (MST)
• Saturday between 7 a.m. and 4 p.m. (MST)

Once an adjuster receives your claim and has all of the necessary information from you, they’ll begin the review process. The adjuster will complete the following steps before the company issues a payout.

• Review the insurance policy and coverages to determine what damages or injuries are covered.
• Contact all parties to the loss and obtain their statement of the accident.
• Dispatch an appraiser to view the vehicle and estimate the damages.
• Obtain additional facts or evidence regarding the loss, such as police reports, scene photos, witness statements, and review local traffic laws.

After completing these steps, the company will accept or deny your claim. If the company accepts your claim, they’ll inform you of the payout amount.

Does Young America Insurance have a website?

Young America Insurance doesn’t have an independent website, but customers can visit the website of its parent company, the Loya Insurance Group. When customers buy Young America car insurance, they’ll create a Young America Insurance login that allows access to the site.

While customers can’t file claims online, the Young America Insurance Pay Online link allows customers to make payments electronically through the website. Additionally, the website provides local branches for customers that prefer face-to-face interaction.

What is the history of the Young America Insurance Company?

The Young America Insurance Company was founded in 1952 by Rodney D. Young in Birmingham, Alabama, to provide affordable coverage for high-risk drivers. The Loya Insurance Group, in El Paso, Texas, bought the company in 2012.

The Young America Insurance Trussville, Alabama office was the first physical space, but the company has spread throughout the state. Today, the company serves Loya Insurance Group customers throughout Alabama.

Young America Insurance: The Bottom Line

Young America provides basic car insurance policies for customers throughout Alabama. The company offers competitive rates and affordable coverage for high-risk drivers. Learning more about Young America Insurance will help you decide if it’s the right choice.

Now that you know about Young America Insurance, enter your ZIP code to get free auto insurance quotes in your area.