Best Cheap Auto Insurance in Ferndale, MI (2021)

The average Ferndale, MI auto insurance rates are $1,156 per month. The minimum auto insurance in Ferndale is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Ferndale, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Ferndale, Michigan is 20/40/10
  • The average commute length in Ferndale is 24.7 minutes
  • Average auto insurance rates in Ferndale, MI for senior drivers are $9,188 per year

Ferndale, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Ferndale can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Ferndale, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Ferndale to other Michigan cities, including Troy auto insurance rates, Grand Rapids auto insurance rates, and Ann Arbor auto insurance rates to see how Ferndale, Michigan auto insurance rates stack up.

Before you buy Ferndale, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ferndale, Michigan auto insurance quotes.

Minimum Auto Insurance in Ferndale, Michigan

Ferndale, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ferndale, Michigan.

Minimum Required Auto 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

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Cheap Ferndale, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ferndale, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Ferndale, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Ferndale, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Ferndale, Michigan.

Annual Auto 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

Cheap Ferndale, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Ferndale, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Ferndale, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Ferndale, Michigan compared to the annual auto insurance rates with a clean record in Ferndale, Michigan.

Annual Ferndale, Michigan Auto 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

Cheap Ferndale, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Ferndale, Michigan is not easy. Compare the annual rates for DUI auto insurance in Ferndale, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Ferndale, Michigan

Insurance Company Annual Auto 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

Cheap Ferndale, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Ferndale, Michigan annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Ferndale, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Ferndale, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Ferndale, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Ferndale, Michigan

ZIP Code Average Annual Rates
48220 $9,820

Cheap Ferndale, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Ferndale, Michigan auto insurance. Find the cheapest annual Ferndale, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Ferndale, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Ferndale, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Ferndale, Michigan? Check out the comparison of annual Ferndale, Michigan auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Ferndale, Michigan

Compare the cheapest auto insurance companies in Ferndale, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Ferndale, Michigan Auto Insurance Companies

What auto insurance companies in Ferndale, Michigan are the cheapest? Compare the top Ferndale, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Ferndale, Michigan?

There are a lot of reasons why auto insurance rates in Ferndale, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Ferndale, Michigan. Many local factors may affect your Ferndale auto insurance rates.

Ferndale Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Ferndale, Michigan auto theft statistics, there have been 46 auto thefts in the city.

Ferndale Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ferndale, Michigan commute length is 24.7 minutes according to City-Data.

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Compare Ferndale, Michigan Auto Insurance Quotes

Before you buy Ferndale, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Ferndale, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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