Compare Ferndale, CA Car Insurance Rates (2021)

Car insurance in Ferndale, CA averages $253 a month. Ferndale, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Ferndale car insurance rates, compare quotes from the top car insurance companies in Ferndale, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Ferndale, CA after a DUI are $4,268/year
  • The cheapest car insurance company in Ferndale is USAA
  • The cheapest car insurance company in Ferndale for teen drivers is USAA

If you need to buy Ferndale, California car insurance, the options can be confusing. Everything you need to know about car insurance in Ferndale, CA is right here.

You’ll find Ferndale car insurance rates, the cheapest Ferndale, CA car insurance companies, and information on California car insurance laws. You can also compare Ferndale, California car insurance rates to San Jose car insurance rates, Oakland car insurance rates, and Fresno car insurance rates.

Ready to find affordable Ferndale, CA car insurance today? Enter your ZIP code for fast, free Ferndale car insurance quotes.

Cheapest Ferndale, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ferndale, CA car insurance rates? Every Ferndale, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ferndale, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,363 $2,373 $1,718 $1,753 $6,475 $8,157 $3,083 $3,436
Farmers $2,136 $2,136 $1,912 $1,912 $6,849 $11,333 $2,533 $2,820
GEICO $1,531 $1,533 $1,441 $1,441 $4,675 $4,781 $2,202 $2,263
Liberty Mutual $1,981 $1,886 $1,828 $1,776 $4,316 $4,557 $2,245 $2,254
Nationwide $2,564 $2,455 $2,232 $2,111 $6,404 $7,070 $3,055 $3,031
Progressive $1,569 $1,612 $1,354 $1,595 $4,173 $5,014 $2,279 $2,447
State Farm $2,881 $2,881 $2,572 $2,572 $5,254 $6,511 $3,187 $3,287
Travelers $1,986 $1,930 $1,758 $1,740 $3,963 $4,545 $2,553 $2,509
USAA $1,623 $1,541 $1,584 $1,594 $3,656 $3,689 $2,255 $2,134

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Minimum Car Insurance in Ferndale, CA

Every driver must carry the minimum car insurance in Ferndale, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Ferndale, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Ferndale, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ferndale, CA to rates for a clean record with top companies.

Annual Ferndale, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,203 $3,753 $5,827 $2,895
Farmers $2,918 $3,977 $4,966 $3,955
GEICO $1,739 $2,674 $3,362 $2,157
Liberty Mutual $2,260 $3,032 $2,734 $2,395
Nationwide $2,528 $3,235 $5,462 $3,235
Progressive $1,636 $2,785 $3,247 $2,354
State Farm $2,595 $3,098 $5,864 $3,014
Travelers $1,786 $2,833 $3,300 $2,573
USAA $1,505 $2,232 $3,654 $1,648

Cheapest Ferndale, CA Car Insurance for Teen Drivers

Teen car insurance in Ferndale, CA can be expensive. Take a look at rates from the top car insurance companies in Ferndale for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ferndale, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,475 $8,157
Farmers $6,849 $11,333
GEICO $4,675 $4,781
Liberty Mutual $4,316 $4,557
Nationwide $6,404 $7,070
Progressive $4,173 $5,014
State Farm $5,254 $6,511
Travelers $3,963 $4,545
USAA $3,656 $3,689

Cheapest Ferndale, CA Car Insurance for Seniors

Take a look at Ferndale, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ferndale, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,718 $1,753
Farmers $1,912 $1,912
GEICO $1,441 $1,441
Liberty Mutual $1,828 $1,776
Nationwide $2,232 $2,111
Progressive $1,354 $1,595
State Farm $2,572 $2,572
Travelers $1,758 $1,740
USAA $1,584 $1,594

Cheapest Ferndale, CA Car Insurance Rates After a DUI

A DUI in Ferndale, CA increases car insurance rates. Compare Ferndale, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ferndale, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,827
Farmers $4,966
GEICO $3,362
Liberty Mutual $2,734
Nationwide $5,462
Progressive $3,247
State Farm $5,864
Travelers $3,300
USAA $3,654

Cheapest Ferndale, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ferndale, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ferndale, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,321 $4,018
Farmers $3,589 $4,319
GEICO $2,257 $2,710
Liberty Mutual $2,392 $2,818
Nationwide $3,199 $4,032
Progressive $2,278 $2,732
State Farm $3,511 $3,775
Travelers $2,367 $2,879
USAA $2,084 $2,435

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The Best Cheap Car Insurance Companies in Ferndale, CA

Take a look at a side-by-side comparison of the top car insurance companies in Ferndale, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ferndale, California

Insurance Company Average Annual Rates
Allstate $3,670
Farmers $3,954
GEICO $2,483
Liberty Mutual $2,605
Nationwide $3,615
Progressive $2,505
State Farm $3,643
Travelers $2,623
USAA $2,259

Category Winners: Cheapest Car Insurance in Ferndale, California

Find the cheapest car insurance companies in Ferndale, CA for each category right here.

Best Annual Car Insurance Rates by Company in Ferndale, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Cheapest Ferndale, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ferndale car insurance rates. Find the cheapest Ferndale, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ferndale, California

Insurance Company Low Medium High
Allstate $3,521 $3,694 $3,795
Farmers $3,725 $3,980 $4,156
GEICO $2,339 $2,504 $2,608
Liberty Mutual $2,453 $2,624 $2,738
Nationwide $3,282 $3,673 $3,890
Progressive $2,210 $2,582 $2,725
State Farm $3,330 $3,695 $3,903
Travelers $2,318 $2,687 $2,863
USAA $2,081 $2,297 $2,400

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What affects car insurance rates in Ferndale, California?

What factors can have an impact on Ferndale, CA car insurance? There are several reasons why Ferndale car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ferndale, California.

Car Theft in Ferndale

High levels of vehicle theft can make car insurance more expensive. Ferndale, CA car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Ferndale

The more time you spend in your car the higher the risk of an accident. The average commute length in Ferndale, CA is 22.1 minutes according to City-Data.

Compare Car Insurance Quotes in Ferndale, CA

Ready to find affordable Ferndale, California car insurance today? Enter your ZIP code for fast, free Ferndale, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State