Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Feb 25, 2022

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Key Takeaways

  • Rodney D. Young Insurance isn’t available nationwide
  • The Loya Insurance Group owns Rodney D. Young Insurance
  • Moving violations can increase your car insurance rates

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.

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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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.

CompanyAM Best RatingDirect Premiums Written
(in billions)
Market Share
(in percent)
Loss Ratio
(in percent)
AllstateA+ (Superior)22.7 (↑)9.19 (↓)56 (↓)
American FamilyA (Excellent)4.7 (↑)1.9 (↑)69 (~)
FarmersA (Excellent)10.5 (↑)4.26 (↓)61 (~)
GeicoA++ (Superior)33.1 (↑)13.41 (↑)71 (~)
Liberty MutualA (Excellent)11.8 (↑)4.77 (↓)62 (~)
NationwideA+ (Superior)6.7 (↓)2.73 (↓)58 (↓)
ProgressiveA+ (Superior)27.1 (↑)10.97 (↑)62 (~)
State FarmA++ (Superior)41.9 (↑)17.01 (↓)63 (↓)
TravelersA++ (Superior)4.7 (↑)1.9 (↑)60 (~)
USAA
(Military &
Family Members)
A++ (Superior)14.5 (↑)5.87 (↑)77 (~)
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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.

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 Defined
Insurance Coverage TypesPurpose of Coverage
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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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.

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.

GroupDriving RecordAverage Annual PremiumCompany Average Annual PremiumDifference Between Record and Company
AllstateClean record$3,712.50$5,182.27-28.36%
AllstateWith 1 DUI$5,850.85$5,182.2712.90%
AllstateWith 1 accident$6,295.82$5,182.2721.49%
AllstateWith 1 speeding violation$4,869.92$5,182.27-6.03%
American FamilyClean record$2,797.36$3,805.49-26.49%
American FamilyWith 1 DUI$5,279.69$3,805.4938.74%
American FamilyWith 1 accident$3,971.42$3,805.494.36%
American FamilyWith 1 speeding violation$3,173.51$3,805.49-16.61%
FarmersClean record$3,865.35$4,576.37-15.54%
FarmersWith 1 DUI$4,857.36$4,576.376.14%
FarmersWith 1 accident$4,981.19$4,576.378.85%
FarmersWith 1 speeding violation$4,601.59$4,576.370.55%
GeicoClean record$1,980.04$2,764.21-28.37%
GeicoWith 1 DUI$3,850.51$2,764.2139.30%
GeicoWith 1 accident$2,787.85$2,764.210.86%
GeicoWith 1 speeding violation$2,438.42$2,764.21-11.79%
Liberty MutualClean record$1,891.37$2,269.25-16.65%
Liberty MutualWith 1 DUI$2,357.92$2,269.253.91%
Liberty MutualWith 1 accident$2,681.59$2,269.2518.17%
Liberty MutualWith 1 speeding violation$2,146.09$2,269.25-5.43%
NationwideClean record$2,432.56$3,020.22-19.46%
NationwideWith 1 DUI$3,703.87$3,020.2222.64%
NationwideWith 1 accident$3,149.89$3,020.224.29%
NationwideWith 1 speeding violation$2,794.56$3,020.22-7.47%
ProgressiveClean record$2,900.83$3,517.99-17.54%
ProgressiveWith 1 DUI$3,211.80$3,517.99-8.70%
ProgressiveWith 1 accident$4,293.62$3,517.9922.05%
ProgressiveWith 1 speeding violation$3,665.72$3,517.994.20%
State FarmClean record$2,128.05$2,328.78-8.62%
State FarmWith 1 DUI$2,328.78$2,328.780.00%
State FarmWith 1 accident$2,529.52$2,328.788.62%
State FarmWith 1 speeding violation$2,328.78$2,328.780.00%
TravelersClean record$1,971.92$2,478.21-20.43%
TravelersWith 1 DUI$2,883.48$2,478.2116.35%
TravelersWith 1 accident$2,583.81$2,478.214.26%
TravelersWith 1 speeding violation$2,473.62$2,478.21-0.19%
USAAClean record$1,971.53$2,766.75-28.74%
USAAWith 1 DUI$3,882.60$2,766.7540.33%
USAAWith 1 accident$2,834.82$2,766.752.46%
USAAWith 1 speeding violation$2,378.06$2,766.75-14.05%
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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.

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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 Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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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.

What You Need to Know About Rodney D. Young Insurance

Rodney D. Young has been writing car insurance policies for 40 years. Currently, it is owned by the Loya Insurance Group. Unfortunately, the insurance group’s website is rather sparse, so there is not much information available regarding Rodney D. Young Insurance.

If you’re a driver who is looking for a company that can boast of excellent customer service and financial strength, this company may not be a good fit for you as the holding company has a C rating from the BBB, and Rodney D. Young has no rating from A. M. Best.

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.