Compare Ferndale, FL Car Insurance Rates (2021)

Car insurance in Ferndale, FL averages $327 a month. Ferndale, Florida car insurance requirements are 10/20/10, 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, FL.

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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

  • The cheapest car insurance company in Ferndale for teen drivers is USAA
  • Average car insurance rates in Ferndale, FL after a DUI are $4,668/year
  • Average car insurance rates in Ferndale, FL are $3,920/year

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

You’ll find Ferndale car insurance rates, the cheapest Ferndale, FL car insurance companies, and information on Florida car insurance laws. You can also compare Ferndale, Florida car insurance rates to Miami car insurance rates, Hialeah car insurance rates, and Tampa car insurance rates.

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

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

How do age, gender, and marital status affect Ferndale, FL car insurance rates? Every Ferndale, Florida 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, Florida

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 $4,204 $4,014 $3,656 $3,710 $14,410 $15,601 $4,184 $4,241
GEICO $2,611 $2,621 $2,448 $2,448 $4,648 $5,813 $2,872 $2,908
Liberty Mutual $2,735 $2,735 $2,520 $2,520 $5,587 $8,515 $2,735 $3,647
Nationwide $2,524 $2,496 $2,257 $2,334 $6,074 $7,495 $2,780 $2,899
Progressive $3,419 $3,227 $2,932 $3,139 $9,473 $10,317 $4,110 $3,930
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,356 $1,333 $1,264 $1,254 $4,625 $5,382 $1,693 $1,828

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Minimum Car Insurance in Ferndale, FL

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

Minimum Required Car Insurance Coverage in Ferndale, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Ferndale, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ferndale, FL. Compare credit history car insurance rates in Ferndale from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ferndale, Florida

Insurance Company Poor Fair Good
Allstate $9,451 $5,969 $4,838
GEICO $4,793 $2,908 $2,187
Liberty Mutual $4,943 $3,671 $3,008
Nationwide $4,500 $3,317 $3,006
Progressive $6,629 $4,684 $3,893
State Farm $3,393 $2,249 $1,856
USAA $3,809 $1,862 $1,354

Cheapest Ferndale, FL 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, FL to rates for a clean record with top companies.

Annual Ferndale, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,827 $6,980 $7,739 $6,464
GEICO $2,301 $2,936 $4,363 $3,585
Liberty Mutual $2,839 $3,638 $5,203 $3,817
Nationwide $3,086 $3,380 $4,540 $3,424
Progressive $4,000 $5,919 $4,982 $5,373
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,834 $2,263 $3,348 $1,922

Cheapest Ferndale, FL Car Insurance for Teen Drivers

Teen car insurance in Ferndale, FL 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, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,410 $15,601
GEICO $4,648 $5,813
Liberty Mutual $5,587 $8,515
Nationwide $6,074 $7,495
Progressive $9,473 $10,317
State Farm $4,538 $5,795
USAA $4,625 $5,382

Cheapest Ferndale, FL Car Insurance for Seniors

Take a look at Ferndale, FL 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, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,656 $3,710
GEICO $2,448 $2,448
Liberty Mutual $2,520 $2,520
Nationwide $2,257 $2,334
Progressive $2,932 $3,139
State Farm $1,435 $1,435
USAA $1,264 $1,254

Cheapest Ferndale, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ferndale, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,739
GEICO $4,363
Liberty Mutual $5,203
Nationwide $4,540
Progressive $4,982
State Farm $2,499
USAA $3,348

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Cheapest Ferndale, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ferndale, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,560 $6,945
GEICO $3,280 $3,312
Liberty Mutual $3,754 $3,994
Nationwide $3,607 $3,607
Progressive $5,068 $5,068
State Farm $2,416 $2,582
USAA $2,315 $2,368

The Best Cheap Car Insurance Companies in Ferndale, FL

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

Average Annual Car Insurance Rates by Company in Ferndale, Florida

Insurance Company Average Annual Rates
Allstate $6,752
GEICO $3,296
Liberty Mutual $3,874
Nationwide $3,607
Progressive $5,068
State Farm $2,499
USAA $2,342

Category Winners: Cheapest Car Insurance in Ferndale, Florida

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

Best Annual Car Insurance Rates by Company in Ferndale, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Ferndale, FL 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, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ferndale, Florida

Insurance Company Low Medium High
Allstate $5,240 $7,096 $7,922
GEICO $2,706 $3,410 $3,772
Liberty Mutual $3,555 $3,927 $4,140
Nationwide $2,861 $3,748 $4,213
Progressive $4,344 $5,173 $5,689
State Farm $2,142 $2,557 $2,799
USAA $2,041 $2,420 $2,564

What affects car insurance rates in Ferndale, Florida?

What factors can have an impact on Ferndale, FL 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, Florida.

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, FL is 31.1 minutes according to City-Data.

Compare Car Insurance Quotes in Ferndale, FL

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

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Average Monthly Car Insurance Rates by State