Rodney D. Young Insurance Review (2023)
Rodney D. Young Insurance is not available nationwide, and the Loya Insurance Group owns this company. You can purchase traditional coverage through Rodney D. Young Insurance. Since the Loya Insurance Group owns this insurance company, you will need to make payments or get quotes through the website of the parent company, Fred Loya Insurance.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Chris Harrigan
Former Auto Insurance Claims Manager
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.
Former Auto Insurance Claims Manager
UPDATED: Jun 29, 2022
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 29, 2022
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
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.
| Company | AM Best Rating | Direct Premiums Written (in billions) | Market Share (in percent) | Loss Ratio (in percent) |
|---|---|---|---|---|
| Allstate | A+ (Superior) | 22.7 (↑) | 9.19 (↓) | 56 (↓) |
| American Family | A (Excellent) | 4.7 (↑) | 1.9 (↑) | 69 (~) |
| Farmers | A (Excellent) | 10.5 (↑) | 4.26 (↓) | 61 (~) |
| Geico | A++ (Superior) | 33.1 (↑) | 13.41 (↑) | 71 (~) |
| Liberty Mutual | A (Excellent) | 11.8 (↑) | 4.77 (↓) | 62 (~) |
| Nationwide | A+ (Superior) | 6.7 (↓) | 2.73 (↓) | 58 (↓) |
| Progressive | A+ (Superior) | 27.1 (↑) | 10.97 (↑) | 62 (~) |
| State Farm | A++ (Superior) | 41.9 (↑) | 17.01 (↓) | 63 (↓) |
| Travelers | A++ (Superior) | 4.7 (↑) | 1.9 (↑) | 60 (~) |
| USAA (Military & Family Members) | A++ (Superior) | 14.5 (↑) | 5.87 (↑) | 77 (~) |
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:
| Insurance Coverage Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you're not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance |
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.
| Group | Driving Record | Average Annual Premium | Company Average Annual Premium | Difference Between Record and Company |
|---|---|---|---|---|
| Allstate | Clean record | $3,712.50 | $5,182.27 | -28.36% |
| Allstate | With 1 DUI | $5,850.85 | $5,182.27 | 12.90% |
| Allstate | With 1 accident | $6,295.82 | $5,182.27 | 21.49% |
| Allstate | With 1 speeding violation | $4,869.92 | $5,182.27 | -6.03% |
| American Family | Clean record | $2,797.36 | $3,805.49 | -26.49% |
| American Family | With 1 DUI | $5,279.69 | $3,805.49 | 38.74% |
| American Family | With 1 accident | $3,971.42 | $3,805.49 | 4.36% |
| American Family | With 1 speeding violation | $3,173.51 | $3,805.49 | -16.61% |
| Farmers | Clean record | $3,865.35 | $4,576.37 | -15.54% |
| Farmers | With 1 DUI | $4,857.36 | $4,576.37 | 6.14% |
| Farmers | With 1 accident | $4,981.19 | $4,576.37 | 8.85% |
| Farmers | With 1 speeding violation | $4,601.59 | $4,576.37 | 0.55% |
| Geico | Clean record | $1,980.04 | $2,764.21 | -28.37% |
| Geico | With 1 DUI | $3,850.51 | $2,764.21 | 39.30% |
| Geico | With 1 accident | $2,787.85 | $2,764.21 | 0.86% |
| Geico | With 1 speeding violation | $2,438.42 | $2,764.21 | -11.79% |
| Liberty Mutual | Clean record | $1,891.37 | $2,269.25 | -16.65% |
| Liberty Mutual | With 1 DUI | $2,357.92 | $2,269.25 | 3.91% |
| Liberty Mutual | With 1 accident | $2,681.59 | $2,269.25 | 18.17% |
| Liberty Mutual | With 1 speeding violation | $2,146.09 | $2,269.25 | -5.43% |
| Nationwide | Clean record | $2,432.56 | $3,020.22 | -19.46% |
| Nationwide | With 1 DUI | $3,703.87 | $3,020.22 | 22.64% |
| Nationwide | With 1 accident | $3,149.89 | $3,020.22 | 4.29% |
| Nationwide | With 1 speeding violation | $2,794.56 | $3,020.22 | -7.47% |
| Progressive | Clean record | $2,900.83 | $3,517.99 | -17.54% |
| Progressive | With 1 DUI | $3,211.80 | $3,517.99 | -8.70% |
| Progressive | With 1 accident | $4,293.62 | $3,517.99 | 22.05% |
| Progressive | With 1 speeding violation | $3,665.72 | $3,517.99 | 4.20% |
| State Farm | Clean record | $2,128.05 | $2,328.78 | -8.62% |
| State Farm | With 1 DUI | $2,328.78 | $2,328.78 | 0.00% |
| State Farm | With 1 accident | $2,529.52 | $2,328.78 | 8.62% |
| State Farm | With 1 speeding violation | $2,328.78 | $2,328.78 | 0.00% |
| Travelers | Clean record | $1,971.92 | $2,478.21 | -20.43% |
| Travelers | With 1 DUI | $2,883.48 | $2,478.21 | 16.35% |
| Travelers | With 1 accident | $2,583.81 | $2,478.21 | 4.26% |
| Travelers | With 1 speeding violation | $2,473.62 | $2,478.21 | -0.19% |
| USAA | Clean record | $1,971.53 | $2,766.75 | -28.74% |
| USAA | With 1 DUI | $3,882.60 | $2,766.75 | 40.33% |
| USAA | With 1 accident | $2,834.82 | $2,766.75 | 2.46% |
| USAA | With 1 speeding violation | $2,378.06 | $2,766.75 | -14.05% |
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.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
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 | Allstate (%) | American Family (%) | Farmers (%) | Geico (%) | Liberty Mutual (%) | Nationwide (%) | Progressive (%) | State Farm (%) | Travelers (%) | USAA (%) |
|---|---|---|---|---|---|---|---|---|---|---|
| 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.
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.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Chris Harrigan
Former Auto Insurance Claims Manager
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.
Former Auto Insurance Claims Manager
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.