Rodney D. Young Insurance Review (2026)

Most states require drivers to have car insurance, but it can be difficult to obtain the coverage you need if you have moving violations on your driving record. Some car insurance companies won’t accept applications from high-risk drivers, but you can acquire any necessary coverage with Rodney D. Young Insurance.

Continue reading to learn more about the coverages that Rodney D. Young Insurance can offer you and how you can save money on your auto insurance rates.

As you read this Rodney D. Young Insurance review, you can enter your ZIP code to receive free quotes from insurance companies near you.

Rodney D. Young Insurance Monthly Rates vs U.S. Average

Are Rodney D. Young insurance rates competitive?

While you can obtain a quote online, the Loya Insurance Group doesn’t share sample rates on its website. Here you can view the average rates that other major insurance companies offer to drivers who have moving violations on their records.

Working to preserve a clean driving record is the best way to maintain low rates, but you can also reduce your rates by sustaining a high credit score.

Who is Rodney D. Young Insurance?

Founded in 1982, Rodney D. Young is now owned by the Loya Insurance Group. Rodney D. Young Insurance specializes in providing insurance to high-risk drivers. You can purchase a Rodney D. Young car insurance policy if you reside in any of these states:

• Texas
• Arizona
• Colorado
• Missouri
• Nevada
• North Carolina
• New Mexico

If you live outside of Rodney D. Young Insurance’s coverage areas, you can shop online to find the best insurance companies near you. However, it is important to note that since Loya Insurance owns Rodney D. Young Insurance, you will be directed to the Loya Insurance Group website.

Now, if you were to conduct an internet search for “Rodney D. Young pay online,” you would discover that the Loya Insurance Group website has an online payment tool. You will need to have your Rodney D. Young insurance number handy to utilize this feature. In addition, you can also obtain car insurance quotes online.

Aside from that, there are not many additional offerings available on the website. For example, methods to contact customer service aren’t even listed.

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What coverages does Rodney D. Young Insurance offer?

Since Rodney D. Young Insurance caters to high-risk drivers, you can expect to have access to standard liability-only and full coverage insurance policies. However, these policies consist of different types of coverages, and you can examine their details here:

Types of Car Insurance Coverages

Now, there is no indication that Rodney D. Young roadside assistance is available with these policies, but you can call 1-800-880-0472 if you need to file a claim.

A good tip to remember when purchasing insurance is that it’s always important to buy what you need and not scant your coverage levels simply to gain a better rate.

What discounts are available through Rodney D. Young Insurance?

There isn’t any mention of discounts on the Loya Group Insurance website, so you will need to contact a company representative to determine if you can take advantage of any savings opportunities for Rodney D. Young Insurance drivers.
Most insurance companies offer a wide variety of discounts, as you can see below:

Car Insurance Discounts by Provider

Car Insurance Discounts
Adaptive Cruise Control	N/A	N/A	N/A	N/A	5	x	x	N/A	N/A	N/A
Adaptive Headlights	N/A	N/A	x	N/A	5	x	x	N/A	N/A	N/A
Anti-lock Brakes	x	x	x	5	5	5	x	5	x	x
Anti-Theft	x	x	x	25	20	25	x	15	x	x
Claim Free	x	x	x	26	x	10	x	15	23	12
Continuous Coverage	x	x	x	x	N/A	N/A	x	N/A	15	N/A
Daytime Running Lights	x	x	x	1	5	5	x	N/A	x	x
Defensive Driver	x	x	x	x	10	5	10	5	10	3
Distant Student	x	x	x	x	N/A	10	x	x	7	x
Driver's Ed	x	x	x	x	10	N/A	10	15	8	3
Driving Device/App	x	x	N/A	x	30	40	20	50	30	5
Early Signing	x	x	x	x	N/A	8	x	N/A	10	12
Electronic Stability Control	x	x	x	N/A	5	x	x	N/A	N/A	N/A
Emergency Deployment	N/A	N/A	N/A	25	N/A	N/A	N/A	N/A	N/A	N/A
Engaged Couple	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Family Legacy	N/A	x	N/A	x	N/A	N/A	x	N/A	N/A	10
Family Plan	N/A	x	x	N/A	N/A	25	N/A	N/A	N/A	N/A
Farm Vehicle	x	N/A	x	x	N/A	N/A	N/A	N/A	N/A	N/A
Fast 5	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Federal Employee	N/A	N/A	x	8	10	N/A	N/A	N/A	N/A	N/A
Forward Collision Warning	N/A	N/A	N/A	N/A	5	x	x	N/A	N/A	N/A
Full Payment	N/A	x	x	x	$5	N/A	x	N/A	7.5	N/A
Further Education	N/A	N/A	N/A	x	10	15	N/A	N/A	x	N/A
Garaging/Storing	N/A	N/A	x	N/A	N/A	N/A	N/A	N/A	x	90
Good Credit	x	x	N/A	N/A	N/A	x	x	x	N/A	N/A
Good Student	x	x	x	15	22.5	10	x	25	8	3
Green Vehicle	x	N/A	5	N/A	10	N/A	N/A	N/A	10	N/A
Homeowner	N/A	N/A	x	x	x	5	x	3	5	N/A
Lane Departure Warning	N/A	N/A	N/A	N/A	x	x	x	N/A	N/A	N/A
Life Insurance	x	N/A	N/A	N/A	N/A	x	N/A	N/A	N/A	N/A
Low Mileage	x	x	x	x	x	x	x	30	x	x
Loyalty	N/A	x	N/A	x	N/A	5	x	N/A	N/A	x
Married	N/A	N/A	N/A	N/A	x	x	x	x	N/A	x
Membership/Group	N/A	N/A	N/A	x	10	7	N/A	N/A	x	N/A
Military	x	N/A	x	15	4	N/A	N/A	x	N/A	x
Military Garaging	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	15
Multiple Drivers	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Multiple Policies	10	29	x	10	20	10	12	17	13	x
Multiple Vehicles	x	x	x	25	10	20	10	20	8	x
New Address	N/A	N/A	N/A	N/A	5	N/A	N/A	N/A	N/A	N/A
New Customer/New Plan	N/A	N/A	N/A	N/A	x	N/A	N/A	N/A	N/A	N/A
New Graduate	N/A	N/A	N/A	N/A	5	N/A	N/A	N/A	N/A	N/A
Newer Vehicle	x	N/A	x	x	N/A	x	x	40	10	12
Newly Licensed	N/A	N/A	N/A	N/A	5	N/A	N/A	N/A	N/A	N/A
Newlyweds	N/A	N/A	N/A	N/A	5	N/A	N/A	N/A	N/A	N/A
Non-Smoker/Non-Drinker	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Occasional Operator	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	x
Occupation	x	N/A	x	x	10	15	N/A	N/A	x	N/A
On-Time Payments	x	N/A	N/A	N/A	N/A	N/A	N/A	N/A	15	N/A
Online Shopper	N/A	N/A	N/A	N/A	N/A	N/A	7	N/A	N/A	N/A
Paperless Documents	x	x	x	N/A	N/A	5	$50	N/A	N/A	N/A
Paperless/Auto Billing	x	x	x	N/A	x	$30	x	$2	3	3
Passive Restraint	x	x	x	40	x	20	x	40	x	x
Recent Retirees	N/A	N/A	N/A	N/A	4	N/A	N/A	N/A	N/A	N/A
Renter	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Roadside Assistance	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Safe Driver	N/A	N/A	x	15	N/A	35	31	15	23	12
Seat Belt Use	N/A	N/A	N/A	15	N/A	N/A	N/A	N/A	N/A	N/A
Senior Driver	x	N/A	x	N/A	N/A	N/A	N/A	N/A	N/A	x
Stable Residence	N/A	N/A	N/A	N/A	N/A	x	x	N/A	N/A	N/A
Students & Alumni	N/A	x	N/A	x	10	7	N/A	N/A	N/A	N/A
Switching Provider	N/A	x	x	N/A	10	N/A	x	N/A	N/A	N/A
Utility Vehicle	x	N/A	x	x	N/A	N/A	N/A	N/A	N/A	N/A
Vehicle Recovery	x	x	x	15	35	25	x	5	x	x
VIN Etching	N/A	N/A	x	N/A	5	x	x	N/A	x	x
Volunteer	N/A	x	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Young Driver	N/A	N/A	N/A	N/A	x	N/A	x	N/A	N/A	$75

When shopping online for car insurance, you should request quotes from at least three companies, so that you can compare which ones have the best rates, discounts, and coverage levels available.

Rodney D. Young Insurance Claims Process

Ease of Filing a Claim

When it comes to filing a claim with Rodney D. Young Insurance, the process offers several options for policyholders. You can conveniently file a claim online through their website or use their mobile app. Additionally, they provide the option to file a claim over the phone, ensuring flexibility for their customers.

Average Claim Processing Time

The average claim processing time can vary depending on the nature of the claim and the specific circumstances. Rodney D. Young Insurance does not provide specific data regarding their claim processing times on their website. To get more accurate information on this aspect, it is advisable to contact their customer service or refer to your policy documentation.

Customer Feedback on Claim Resolutions and Payouts

Evaluating the customer feedback on claim resolutions and payouts is essential in assessing an insurance provider’s reliability. Unfortunately, specific customer feedback on Rodney D. Young Insurance’s claim resolutions and payouts is not available in the provided content.

To gauge the experiences of policyholders in this regard, you may want to consult online reviews and testimonials or reach out to current customers.

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Rodney D. Young Insurance Digital and Technological Features

Mobile App Features and Functionality

Rodney D. Young Insurance offers a mobile app to enhance their customers’ experience. While the content does not detail the specific features and functionality of the app, it’s a valuable resource for managing your insurance policy on the go. To learn more about the app’s features, you can download it and explore its capabilities firsthand.

Online Account Management Capabilities

Online account management is a convenient way to access and manage your insurance policy. Although the content does not elaborate on the specific online account management capabilities provided by Rodney D. Young Insurance, you can typically expect to view and update policy information, make payments, and track claims through their online portal. To explore these capabilities, you can log in to your account on their website.

Digital Tools and Resources

The content does not provide detailed information about the digital tools and resources offered by Rodney D. Young Insurance. However, insurance companies often provide tools such as calculators for estimating premiums, educational resources, and informational articles to help policyholders make informed decisions. To access these resources, you can visit their website and explore their online offerings.

Is Rodney D. Young Insurance highly rated?

Unfortunately, you’ll be disappointed to discover that you won’t be able to locate an A.M. Best rating for this company. However, if you are attempting to find a financially strong company, you can use the chart below to view the financial ratings of some of the leading names in the insurance industry.

Drivers looking to purchase car insurance from a company that provides excellent customer service may be concerned that there is no Better Business Bureau (BBB) rating for Rodney D. Young Insurance. However, its holding company, Fred Loya Insurance, has a C rating from the BBB, which doesn’t inspire much confidence.

History and Mission of Rodney D.

Rodney D. Young Insurance, established in 1982, is now owned by the Loya Insurance Group. The company specializes in serving high-risk drivers and provides coverage in select states, including Texas, Arizona, Colorado, Missouri, Nevada, North Carolina, and New Mexico.

The primary mission of Rodney D. Young Insurance is to offer insurance solutions to individuals who may face challenges securing coverage due to their driving history. By focusing on this niche market, Rodney D. Young Insurance aims to provide accessible and affordable insurance options for those who need it most.

Conclusion

In conclusion, Rodney D. Young Insurance fills a crucial niche in the insurance market by offering coverage to high-risk drivers.

While customer experiences may vary, the company’s mission is clear: to provide a solution for individuals with less than perfect driving records. By assessing their specific needs and comparing available options, potential policyholders can determine if Rodney D. Young Insurance aligns with their requirements for coverage.

Now that you’ve read this Rodney D. Young Insurance review, you can shop for car insurance with confidence. Enter your ZIP code to begin comparing free quotes today.