Compare Ferndale, MI Car Insurance Rates [2024]
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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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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 required by the state in Ferndale, MI. Take a look at the Michigan car insurance requirements.
| 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. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Ferndale from top companies for good, fair, and poor credit.
| 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. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Ferndale, MI to rates for a clean record with top companies.
| 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.
| 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 rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 car insurance after a DUI by the company to find the cheapest option.
| 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.
| 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.
| 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.
| 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 car insurance you need will have an impact on your Ferndale car insurance rates. Find the cheapest Ferndale, MI car insurance rates by coverage level.
| 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 are the factors that affect car insurance rates in Ferndale, MI? 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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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How does commute length affect car insurance rates in Ferndale, MI?
The length of your daily commute can impact car insurance rates in Ferndale, MI. It’s recommended to compare rates from different companies to find the best options based on your commute length.
How does a DUI affect car insurance rates in Ferndale, MI?
After a DUI, car insurance rates in Ferndale, MI generally increase. It’s advised to compare rates from different companies to find the most affordable options.
Are there specific car insurance rates for senior drivers in Ferndale, MI?
Yes, car insurance rates for senior drivers in Ferndale, MI can vary. Shopping around and comparing rates from different companies can help find the best options.
How much does car insurance cost for teen drivers in Ferndale, MI?
Car insurance for teen drivers in Ferndale, MI can be expensive. Rates vary depending on the insurance company. It’s recommended to compare quotes to find the best options.
How does driving record impact car insurance rates in Ferndale, MI?
Your driving record is a significant factor in determining car insurance costs. Car insurance with a bad driving record is typically more expensive than for drivers with a clean record.
What is the minimum car insurance coverage required in Ferndale, MI?
The minimum required car insurance coverage in Ferndale, MI includes $20,000 per person and $40,000 per accident for bodily injury liability coverage, as well as a minimum of $10,000 for property damage liability coverage.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.