Young America Auto Insurance Review (2025)

Considering Young America Mutual Insurance Company is so small, despite its age, there is precious little information to go off of. Furthermore, they do not offer personal auto insurance, so customer reviews, as are customer complaints, are scant to none. If you’re looking for cheap car insurance, you may need to look elsewhere for an auto insurance quote.

You may ask, “what are the best places to find personalized online auto insurance rates?” A good start for you in this cloud of uncertainty is to use our FREE online tool to find the companies in your area with the best personal auto insurance policies to cover your needs. Enter your ZIP code below to get started.

What You Should Know About Young America Insurance Company

Young America Mutual Insurance Company mostly operates in a certain portion of southern Minnesota. The following table shows which counties in Minnesota have Young America Mutual availability. This includes its headquarters in Glencoe, MN.

Young America Mutual Insurance Company is also located in several cities within Minnesota. They are covered in the following table.

What if you’re not in Minnesota? Is Young America auto insurance available in Indianapolis? Yes, they also offer auto insurance coverage in the following states:

• Alabama
• Arizona
• Colorado
• Illinois
• Indiana
• Missouri
• Nevada
• New Mexico
• Texas

Let’s move on to the coverages offered by Young America.

What car insurance coverages are offered by Young America?

The Young America Mutual Insurance Company specializes in fire insurance for homes and farms.

The Young America Mutual Insurance Company partners with North Star Insurance, Spring Valley Mutual Insurance, and RAM Mutual Insurance to provide their products. You may be asking if these are the most reputable and best companies or with whom they are affiliated.

All of these insurance companies are members of the Minnesota Association of Farm Mutual Insurance Companies.

Farm coverage offers insurance for homes, personal property, blanket coverage, farm service buildings, livestock, farm liability, and special property.

Farm service buildings insurance covers structures like barns, sheds, and garages for farm equipment.

Livestock coverage insures livestock against animal attacks, drowning, accidental loss, and building collapse.

Farm liability coverage protects against damage to another person’s property, features employers’ and public liability, and even covers medical payments to the public and farm employees that might be injured on the farm.

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You may be asking, “what is liability auto insurance coverage?” Essentially, liability coverage helps to pay for an injured party’s expenses in an accident — be it a car accident or some other form — you cause.

You may be asking, “does my car insurance cover accidents on private property?” A special farm-specific blanket coverage option covers valuables, livestock, machinery, and other types of personal property.

Now, let’s move on to Young America’s bundling options.

What are Young America’s bundling options?

Since many rural farmers also have their personal homes on the same land as their commercial farm, homeowner’s insurance is just as important a purchase as farm-specific insurance. For this reason, most farm policies offer homeowners insurance in tandem.

What programs are available from Young America?

Young America offers what they call a MAFMIC Scholarship. This stands for the Minnesota Association of Farm Mutual Insurance Companies. They state at least one scholarship with a monetary value of $500 is awarded each year and that there is enough money in the scholarship fund.

To apply for the scholarship, only contact Young America’s office. However, the link to view the Scholarship’s qualifications leads to a broken page.

How easy is canceling your Young America Car Insurance Policy?

While no information on policy cancellation is readily available, there is a portal for policyholders to sign in to pay their premiums. No information is available regarding cancellation fees, refunds, cancellation steps, or when a policyholder is allowed to cancel.

How do you make a Young America Car Insurance Claim?

Information is also not readily available on how to file a claim. That said, the policyholder sign-in portal would most likely access this, where a policy number and password are required.

What car insurance ratings does the business have?

Very little information is provided in terms of customer reviews. A Google search will show that 100 percent of the customers who submitted a review stated they are likely to renew their policy, yet simultaneously only 50 percent stated they would recommend Young America Mutual Insurance Company to a friend.

This translates to 4.23 out of five stars.

There are two available Young America auto insurance reviews online. One sits at four out of five stars, and the other sits at three out of five stars. Both reviews commend the company for its highly competitive pricing. In fact, both reviews appear to be outright positive, with no negative factors explaining the sub-five-star rating.

Young America Insurance Company Insurance Rates Breakdown

While their rates are not made available on their site, we can look at statewide averages. The following table shows the average rates for liability, collision, and comprehensive coverages in Minnesota.

Young America Insurance Company Discounts Available

Young America Mutual Insurance Company does not list any discounts on its webpage.