Compare Ferndale, WA Car Insurance Rates (2021)

Car insurance in Ferndale, WA averages $222 a month. Ferndale, Washington car insurance requirements are 25/50/10, 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, WA.

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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, WA are $2,659/year
  • Average car insurance rates in Ferndale, WA after a DUI are $3,099/year
  • The cheapest car insurance company in Ferndale for teen drivers is Nationwide

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

You’ll find Ferndale car insurance rates, the cheapest Ferndale, WA car insurance companies, and information on Washington car insurance laws. You can also compare Ferndale, Washington car insurance rates to Kent car insurance rates, Bellevue car insurance rates, and Seattle car insurance rates.

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

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

How do age, gender, and marital status affect Ferndale, WA car insurance rates? Every Ferndale, Washington 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, Washington

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 $1,731 $1,720 $1,598 $1,670 $5,739 $6,609 $1,845 $1,918
American Family $1,826 $1,826 $1,670 $1,670 $6,969 $9,492 $1,826 $2,435
Farmers $1,810 $1,856 $1,657 $1,870 $4,096 $4,394 $2,276 $2,372
GEICO $1,685 $1,715 $1,581 $1,581 $3,679 $4,793 $2,856 $2,070
Liberty Mutual $1,636 $1,796 $1,474 $1,732 $8,958 $9,870 $1,761 $1,921
Nationwide $1,246 $1,273 $1,161 $1,206 $3,313 $4,024 $1,480 $1,594
Progressive $1,408 $1,313 $1,272 $1,286 $7,174 $8,031 $1,682 $1,671
State Farm $1,353 $1,353 $1,217 $1,217 $3,886 $4,919 $1,537 $1,766
USAA $965 $953 $931 $931 $4,033 $4,761 $1,212 $1,324

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Minimum Car Insurance in Ferndale, WA

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

Minimum Required Car Insurance Coverage in Ferndale, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Ferndale, WA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ferndale, WA. 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, Washington

Insurance Company Poor Fair Good
Allstate $3,544 $2,698 $2,318
American Family $4,085 $3,340 $2,968
Farmers $3,100 $2,342 $2,182
GEICO $2,970 $2,376 $2,139
Liberty Mutual $5,206 $3,206 $2,519
Nationwide $2,270 $1,791 $1,676
Progressive $3,279 $2,930 $2,730
State Farm $3,129 $1,879 $1,461
USAA $2,382 $1,748 $1,538

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

Annual Ferndale, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,427 $2,993 $3,299 $2,695
American Family $2,776 $3,558 $4,119 $3,404
Farmers $2,105 $2,616 $2,832 $2,613
GEICO $1,931 $2,462 $3,656 $1,931
Liberty Mutual $3,111 $3,914 $3,993 $3,556
Nationwide $1,494 $2,010 $2,514 $1,630
Progressive $2,413 $3,784 $2,812 $2,910
State Farm $1,962 $2,351 $2,156 $2,156
USAA $1,393 $2,011 $2,507 $1,644

Cheapest Ferndale, WA Car Insurance for Teen Drivers

Teen car insurance in Ferndale, WA 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, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,739 $6,609
American Family $6,969 $9,492
Farmers $4,096 $4,394
GEICO $3,679 $4,793
Liberty Mutual $8,958 $9,870
Nationwide $3,313 $4,024
Progressive $7,174 $8,031
State Farm $3,886 $4,919
USAA $4,033 $4,761

Cheapest Ferndale, WA Car Insurance for Seniors

Take a look at Ferndale, WA 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, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,598 $1,670
American Family $1,670 $1,670
Farmers $1,657 $1,870
GEICO $1,581 $1,581
Liberty Mutual $1,474 $1,732
Nationwide $1,161 $1,206
Progressive $1,272 $1,286
State Farm $1,217 $1,217
USAA $931 $931

Cheapest Ferndale, WA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ferndale, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,299
American Family $4,119
Farmers $2,832
GEICO $3,656
Liberty Mutual $3,993
Nationwide $2,514
Progressive $2,812
State Farm $2,156
USAA $2,507

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Cheapest Ferndale, WA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ferndale, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,854 $2,854
American Family $3,394 $3,534
Farmers $2,541 $2,541
GEICO $2,463 $2,526
Liberty Mutual $3,644 $3,644
Nationwide $1,912 $1,912
Progressive $2,980 $2,980
State Farm $2,097 $2,215
USAA $1,870 $1,908

The Best Cheap Car Insurance Companies in Ferndale, WA

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

Average Annual Car Insurance Rates by Company in Ferndale, Washington

Insurance Company Average Annual Rates
Allstate $2,854
American Family $3,464
Farmers $2,541
GEICO $2,495
Liberty Mutual $3,644
Nationwide $1,912
Progressive $2,980
State Farm $2,156
USAA $1,889

Category Winners: Cheapest Car Insurance in Ferndale, Washington

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

Best Annual Car Insurance Rates by Company in Ferndale, Washington

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

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

Annual Car Insurance Rates by Coverage Level in Ferndale, Washington

Insurance Company Low Medium High
Allstate $2,714 $2,845 $3,001
American Family $3,268 $3,459 $3,666
Farmers $2,371 $2,543 $2,710
GEICO $2,334 $2,496 $2,655
Liberty Mutual $3,413 $3,651 $3,867
Nationwide $1,807 $1,911 $2,018
Progressive $2,690 $2,900 $3,349
State Farm $2,013 $2,165 $2,291
USAA $1,765 $1,887 $2,015

What affects car insurance rates in Ferndale, Washington?

What factors can have an impact on Ferndale, WA 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, Washington.

Car Theft in Ferndale

High levels of vehicle theft can make car insurance more expensive. Ferndale, WA car theft statistics from the FBI indicate 18 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, WA is 22.3 minutes according to City-Data.

Compare Car Insurance Quotes in Ferndale, WA

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

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