Compare Ferndale, MI Car Insurance Rates (2021)

Car insurance in Ferndale, MI averages $1,156 a month. Ferndale, Michigan car insurance requirements are 20/40/10, 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, MI.

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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, MI after a DUI are $22,263/year
  • Average car insurance rates in Ferndale, MI are $13,868/year

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

You’ll find Ferndale car insurance rates, the cheapest Ferndale, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Ferndale, Michigan car insurance rates to Ann Arbor car insurance rates, Livonia car insurance rates, and Grand Rapids car insurance rates.

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

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

How do age, gender, and marital status affect Ferndale, MI car insurance rates? Every Ferndale, Michigan 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, Michigan

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 $17,467 $17,467 $16,131 $16,131 $45,314 $45,314 $18,437 $18,437
Farmers $13,169 $13,169 $12,121 $12,121 $29,614 $29,614 $14,884 $14,884
GEICO $6,860 $6,860 $6,972 $6,972 $18,069 $18,069 $6,520 $6,520
Liberty Mutual $21,140 $21,140 $20,931 $20,931 $49,824 $49,824 $21,140 $21,140
Nationwide $6,195 $6,195 $5,484 $5,484 $16,492 $16,492 $6,804 $6,804
Progressive $4,212 $3,846 $3,694 $4,232 $14,980 $15,630 $4,901 $4,359
State Farm $8,370 $8,370 $7,820 $7,820 $29,921 $29,921 $9,835 $9,835
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $3,148 $2,954 $2,964 $2,780 $7,763 $7,305 $3,830 $3,637

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Minimum Car Insurance in Ferndale, MI

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

Minimum Required Car Insurance Coverage in Ferndale, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Ferndale, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ferndale, MI. 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, Michigan

Insurance Company Poor Fair Good
Allstate $36,702 $20,431 $15,879
Farmers $25,767 $13,773 $12,801
GEICO $12,389 $9,072 $7,355
Liberty Mutual $44,758 $25,810 $14,209
Nationwide $11,044 $8,230 $6,958
Progressive $8,155 $6,777 $6,013
State Farm $22,703 $11,474 $7,783
Travelers $11,437 $11,087 $10,945
USAA $6,457 $3,669 $2,767

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

Annual Ferndale, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,731 $15,640 $53,431 $16,547
Farmers $14,563 $18,796 $18,453 $17,977
GEICO $3,367 $7,120 $21,705 $6,228
Liberty Mutual $19,622 $23,790 $44,402 $25,221
Nationwide $7,441 $10,017 $9,099 $8,418
Progressive $5,839 $7,815 $7,016 $7,257
State Farm $8,780 $10,591 $23,267 $13,307
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,444 $4,322 $5,668 $3,757

Cheapest Ferndale, MI Car Insurance for Teen Drivers

Teen car insurance in Ferndale, MI 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, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $45,314 $45,314
Farmers $29,614 $29,614
GEICO $18,069 $18,069
Liberty Mutual $49,824 $49,824
Nationwide $16,492 $16,492
Progressive $14,980 $15,630
State Farm $29,921 $29,921
Travelers $22,645 $22,645
USAA $7,763 $7,305

Cheapest Ferndale, MI Car Insurance for Seniors

Take a look at Ferndale, MI 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, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,131 $16,131
Farmers $12,121 $12,121
GEICO $6,972 $6,972
Liberty Mutual $20,931 $20,931
Nationwide $5,484 $5,484
Progressive $3,694 $4,232
State Farm $7,820 $7,820
Travelers $6,400 $6,400
USAA $2,964 $2,780

Cheapest Ferndale, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ferndale, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $53,431
Farmers $18,453
GEICO $21,705
Liberty Mutual $44,402
Nationwide $9,099
Progressive $7,016
State Farm $23,267
Travelers $17,326
USAA $5,668

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Cheapest Ferndale, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ferndale, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,337 $24,337
Farmers $17,447 $17,447
GEICO $9,381 $9,829
Liberty Mutual $27,284 $29,234
Nationwide $8,744 $8,744
Progressive $6,982 $6,982
State Farm $13,597 $14,376
Travelers $11,092 $11,221
USAA $4,248 $4,348

The Best Cheap Car Insurance Companies in Ferndale, MI

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

Average Annual Car Insurance Rates by Company in Ferndale, Michigan

Insurance Company Average Annual Rates
Allstate $24,337
Farmers $17,447
GEICO $9,605
Liberty Mutual $28,259
Nationwide $8,744
Progressive $6,982
State Farm $13,986
Travelers $11,156
USAA $4,298

Category Winners: Cheapest Car Insurance in Ferndale, Michigan

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

Best Annual Car Insurance Rates by Company in Ferndale, Michigan

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

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

Annual Car Insurance Rates by Coverage Level in Ferndale, Michigan

Insurance Company Low Medium High
Allstate $23,664 $24,397 $24,950
Farmers $16,833 $17,383 $18,126
GEICO $9,001 $9,516 $10,299
Liberty Mutual $27,594 $28,193 $28,989
Nationwide $9,138 $8,600 $8,493
Progressive $6,782 $6,990 $7,173
State Farm $13,203 $14,083 $14,674
Travelers $11,055 $11,166 $11,247
USAA $4,155 $4,311 $4,428

What affects car insurance rates in Ferndale, Michigan?

What factors can have an impact on Ferndale, MI 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, Michigan.

Car Theft in Ferndale

High levels of vehicle theft can make car insurance more expensive. Ferndale, MI car theft statistics from the FBI indicate 46 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, MI is 24.7 minutes according to City-Data.

Compare Car Insurance Quotes in Ferndale, MI

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

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