Best Cheap Auto Insurance in Ferndale, NY (2021)

The average Ferndale, NY auto insurance rates are $407 per month. The minimum auto insurance in Ferndale is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Ferndale, New York, 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

  • Average auto insurance rates in Ferndale, NY for senior drivers are $3,023 per year
  • The cheapest auto insurance company in Ferndale is GEICO
  • The most expensive auto insurance company in Ferndale for teen drivers is Liberty Mutual

Ferndale, New York auto insurance requirements are 25/50/10 according to New York 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, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Ferndale to other New York cities, including New Rochelle auto insurance rates, New York auto insurance rates, and Syracuse auto insurance rates to see how Ferndale, New York auto insurance rates stack up.

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

Minimum Auto Insurance in Ferndale, New York

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

Minimum Required Auto Insurance Coverage in Ferndale, New York

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

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Cheap Ferndale, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ferndale, New York 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, New York

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 $3,663 $3,410 $3,446 $3,489 $10,870 $11,619 $3,566 $3,575
GEICO $2,187 $2,102 $2,121 $2,090 $4,632 $6,783 $1,972 $2,016
Liberty Mutual $5,570 $5,570 $5,181 $5,181 $10,852 $17,658 $5,570 $5,927
Nationwide $3,585 $3,585 $3,372 $3,372 $6,525 $9,832 $3,585 $4,630
Progressive $2,560 $2,379 $2,037 $2,073 $8,408 $9,285 $3,263 $3,135
State Farm $3,273 $3,273 $2,851 $2,851 $9,481 $12,165 $3,596 $3,763
Travelers $3,402 $3,415 $3,065 $3,279 $7,645 $9,019 $3,590 $3,724
USAA $2,184 $2,147 $1,981 $1,986 $8,851 $10,520 $2,808 $3,111

Cheap Ferndale, New York Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ferndale, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,870 $11,619
GEICO $4,632 $6,783
Liberty Mutual $10,852 $17,658
Nationwide $6,525 $9,832
Progressive $8,408 $9,285
State Farm $9,481 $12,165
Travelers $7,645 $9,019
USAA $8,851 $10,520

Cheap Ferndale, New York Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ferndale, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,446 $3,489
GEICO $2,121 $2,090
Liberty Mutual $5,181 $5,181
Nationwide $3,372 $3,372
Progressive $2,037 $2,073
State Farm $2,851 $2,851
Travelers $3,065 $3,279
USAA $1,981 $1,986

Cheap Ferndale, New York 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, New York compared to the annual auto insurance rates with a clean record in Ferndale, New York.

Annual Ferndale, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,600 $4,600 $6,782 $5,838
GEICO $2,333 $2,543 $4,742 $2,333
Liberty Mutual $6,147 $6,147 $12,312 $6,147
Nationwide $3,623 $3,623 $8,287 $3,710
Progressive $4,028 $4,028 $4,461 $4,053
State Farm $4,914 $4,914 $5,399 $5,399
Travelers $3,991 $4,948 $5,015 $4,616
USAA $3,740 $3,801 $5,451 $3,801

Cheap Ferndale, New York Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ferndale, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,782
GEICO $4,742
Liberty Mutual $12,312
Nationwide $8,287
Progressive $4,461
State Farm $5,399
Travelers $5,015
USAA $5,451

Cheap Ferndale, New York Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ferndale, New York

Insurance Company Poor Fair Good
Allstate $7,897 $4,558 $3,909
GEICO $3,745 $2,751 $2,469
Liberty Mutual $10,779 $7,032 $5,254
Nationwide $4,811 $4,811 $4,811
Progressive $6,669 $3,342 $2,416
State Farm $7,282 $4,565 $3,623
Travelers $6,455 $4,008 $3,464
USAA $6,458 $3,262 $2,875

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Cheap Ferndale, New York Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ferndale, New York

ZIP Code Average Annual Rates
12734 $4,948

Cheap Ferndale, New York Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ferndale, New York

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,378 $5,532
GEICO $2,900 $3,076
Liberty Mutual $7,471 $7,905
Nationwide $4,811 $4,811
Progressive $4,142 $4,142
State Farm $4,969 $5,345
Travelers $4,642 $4,642
USAA $4,156 $4,241

Cheap Ferndale, New York Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ferndale, New York

Insurance Company Low Medium High
Allstate $5,080 $5,431 $5,853
GEICO $2,820 $2,973 $3,171
Liberty Mutual $7,390 $7,669 $8,006
Nationwide $4,552 $4,775 $5,106
Progressive $3,917 $4,114 $4,397
State Farm $4,915 $5,183 $5,372
Travelers $4,393 $4,590 $4,945
USAA $4,062 $4,175 $4,359

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Best By Category: Cheapest Auto Insurance in Ferndale, New York

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

Best Annual Auto Insurance Rates by Company in Ferndale, New York

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

The Cheapest Ferndale, New York Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ferndale, New York

Insurance Company Average Annual Rates
Allstate $5,455
GEICO $2,988
Liberty Mutual $7,688
Nationwide $4,811
Progressive $4,142
State Farm $5,157
Travelers $4,642
USAA $4,198

Compare Ferndale, New York Auto Insurance Quotes

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