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If you live in the 44514 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Youngstown have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our OH licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 44514 and then compare quotes from a variety of nationwide insurance companies.

44514 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 44514 the average premium for homeowners coverage is $641 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 44514. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 44514 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Youngstown, OH home insurance quotes in your area.

44514 Home Insurance Average Premiums

Local 44514 homeowners insurance quotes comparison

$391 /yr.

Shows Zip Code: 44514 lowest rates with discounts applied on average.

For the 44514, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$391 /yr.
Average Coverage:	$641 /yr.
2600 sq. ft. or higher (all discounts applied)	$941 /yr.

What is the average home insurance cost for a home in 44514?

• The average homeowners insurance premium paid annually for a home in 44514 is around $641 per year.

What does it cost on average per month for home insurance in 44514?

• Homeowners in 44514 pay a monthly average cost per month around $53.00.

What kind of discount could I get if I combine my home and auto insurance together in 44514?

• Autoowners in 44514 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Youngstown area, check out other zip codes nearby 44514.
Review average rates in another zip code:
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44506 homeowners insurance rates

Home Replacement Cost Coverage in 44514

Average Building Cost Per Square Foot in 44514: $111

Location: Youngstown, Ohio (Mahoning County)

Average Square Footage in 44514: 1,424 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 44514 before you start any project. Youngstown homeowners pay on average around $111 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 44514 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 44514 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,424 sq. ft. and the average cost to rebuild the home in this area is around $111 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Youngstown area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$111	1,424	$158,100
Additional Upgrades & Added Features	$139	1,424	$197,625
Major Home Updates or Advancements	$167	1,424	$237,150

Calculate Your Dwelling Coverage in 44514

It's important to understand that when you estimate your replacement cost of your home in the 44514 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Home & Auto Insurance Agencies in 44514

ACE Cash Express

Address: 4040 Youngstown Pittsburgh Road Poland, OH 44514
Phone:
Website: http://www.acecashexpress.com/
Info:

Mark E Daprile

Address: S Main St Youngstown, OH 44514
Phone:
Website: http://www.daprileinsurance.com/?utm_source=yp&utm_medium=cpc&utm_campaign=ck_yp
Info:

Valley Insurance Group

Address: 1714 Boardman Poland Road #15 Youngstown, OH 44514
Phone:
Website: http://www.valley-group.com/
Info:

Wells Fargo Insurance Services Usa, Incorporated

Address: 8561 Market Street Youngstown, OH 44514
Phone:
Website: http://www.wellsfargo.com/
Info:

Janis Cefalu Insurance Agy Inc - State Farm Insurance Agent

Address: 727 E Western Reserve Rd Poland, OH 44514
Phone:
Website:
Info:

Housing Demographics for 44514

Population Review for 44514 Zip Code

For the city of Youngstown, the population within 44514 has increased to over 23,194 residents in population size. The current population total is 22,599. We have broken down the population based on race below. In 44514, there are over 10869 in male population and 11730 females.

Population	Values
Total Population	22,599
White Population	20827
Black Population	510
Hispanic Population	729
Asian Population	191
Hawaiian Population	2
Indian Population	29
Other Population	155
Male Population	10869
Female Population	11730
Population Estimate	23194

Household Data for 44514

The average number of homes in 44514 is around 9,797, there are an average of 2.28 per household. The average house value according to local real estate values is around $158,100. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	9,797
Persons Per Household	2.28
Average House Value	$158,100
Income Per Household	$73011
Median Age	49.6
Median Age Male	47.4
Median Age Female	51.5

44514 Details	Values
State	OH
State Full Name	Ohio
City Type	P
City Alias Abbreviation
Area Code	330
City	Youngstown
City Alias Name	YOUNGSTOWN
County	Mahoning
County FIPS	099
State FIPS	39
Time Zone	5
Day Light Saving	Y
MSA	9320
PMSA
CSA	566
CBSA	49660
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Youngstown-Warren, OH
MSA_Name	Youngstown-Warren, OH MSA
PMSA_Name
Region	Midwest
Division	East North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	520
Number Of Employees	6267
Business First Quarter Payroll	44425
Business Annual Payroll	201292
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	565773
CBSA Division Population	0
Congressional District	06\|13
Congressional LandArea	7215.03\|894.3
Delivery Residential	10173
Delivery Business	550
Delivery Total	10990
Preferred Last Line Key	X23460
Classification Code
Multi-County
CSA Name	Youngstown-Warren-Salem, OH
CBSA_DIV_Name
City State Key	X23460
Land Area	22.221000
Water Area	1.146000
City Alias Code
City Mixed Case	Youngstown
City Alias Mixed Case	Youngstown
Box Count	121
SFDU	8715
MFDU	564
State ANSI	39
County ANSI	099
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	389219
Unique ZIP Name
SSA State County Code	36510
Medicare CBSA Code	49660
Medicare CBSA Name	Youngstown-Warren-Boardman, OH-PA
Medicare CBSA Type	Metro
Market Rating Area ID	13
County Mixed Case	Mahoning

Ohio Homeowners Insurance News & Information

Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]
North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

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