Cheapest Car Insurance Quotes in Ferndale

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Ferndale Car Insurance

^$ 54

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Ferndale

The car insurance rate in Ferndale is $1097 for a six-month policy, which is $81 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $802, making it a popular choice for budget-conscious drivers. Rates in Ferndale can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Ferndale

$1097

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Ferndale

1st place: Kemper

At $802 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $866 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $886 for six months, making it the third cheapest auto insurance company in Ferndale.

Ferndale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ferndale, MD is Kemper, offering policies at just $802 for a six-month term. This is followed by USAA, which has an average six-month premium of $866.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2053 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ferndale drivers find the best deals.

Cheap Car Insurance Companies in Ferndale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$802	$136
USAA	$866	$146
State Farm	$886	$149
Travelers	$886	$149
Nationwide	$1026	$173
Erie	$1058	$178
Progressive	$1206	$203
Allstate	$2053	$346

Key Takeaways

Way's key takeaways about car insurance in Ferndale

The auto insurance costs in Ferndale fall around $802 for six months.
The cheapest auto insurance company in Ferndale is USAA.
Teen drivers pay the highest rate in Ferndale at $1442 per month.

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Cheapest Minimum Liability Car Insurance in Ferndale

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Ferndale are given below.

USAA provides the cheapest minimum car insurance coverage in Ferndale. Their Average 6 Month Premium is $321. Allstate is the most expensive at $1123 for the same period.

Cheapest Liability Coverage in Ferndale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$321	$54
Travelers	$443	$75
State Farm	$449	$76
Kemper	$456	$76
Erie	$475	$80
Progressive	$558	$94
Nationwide	$578	$97
Allstate	$1123	$189

Cheapest Full Coverage Car Insurance in Ferndale

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Ferndale is Kemper at $136 per month and $802 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ferndale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$802	$136
USAA	$866	$146
State Farm	$886	$149
Travelers	$886	$149
Nationwide	$1026	$173
Erie	$1058	$178
Progressive	$1206	$203
Allstate	$2053	$346

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Average Car Insurance in Ferndale by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Ferndale, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Ferndale, Maryland, may be increasing due to several external factors. Maryland has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Ferndale's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ferndale

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$740
30s	Travelers	$631
40s	Travelers	$575
50s	Travelers	$543
60s	Travelers	$609
70s	USAA	$644

Cheapest Car Insurance Rates for Teen Drivers in Ferndale,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Ferndale at $82 per month. At $8564 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$482	$82
Erie	$1251	$211
Travelers	$1462	$246
USAA	$1565	$264
State Farm	$2123	$357
Progressive	$2701	$455
Nationwide	$4054	$683
Allstate	$8564	$1442

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Ferndale.

As young drivers face the highest rates in Ferndale, Travelers offers the cheapest auto insurance rates at $740 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Ferndale, USAA is the cheapest car insurance provider. At $1014 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Ferndale is State Farm, offering rates of around $3836 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1014	$168
Progressive	$1045	$176
Nationwide	$1328	$224
Travelers	$1873	$319
Erie	$2200	$367
Allstate	$2996	$510
State Farm	$3836	$639

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Car Insurance Rates with An Accident in Ferndale

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Ferndale, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ferndale

The cheapest car insurance companies after an at-fault accident in Ferndale include Erie and USAA, offering $796 and $905, respectively. Encompass is an expensive provider with an average six-month premium of $712.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$796	$134
USAA	$905	$152
Travelers	$917	$154
State Farm	$988	$166
Progressive	$1200	$202
Nationwide	$1668	$281
Allstate	$3747	$631
Encompass	$712	$119

Ferndale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ferndale MD. For example, the car insurance in Ferndale after a DUI increases to $1218 for a six month policy. While the rate increases by $282 for a six-month policy in the case of a speeding ticket.

Ferndale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1296	$216
One Med/PIP claim	$1340	$228
Not-at-fault accident	$1392	$232
One comp claim	$1399	$238
Two Med/PIP claims	$1425	$238
Failure to wear a seat belt	$1469	$249
Failure to show documents	$1508	$252
Child safety restraint	$1521	$258
Two comp claims	$1521	$254
Driving with expired registration	$1558	$265
Cell phone violation	$1578	$264
Driving too slowly	$1578	$268
Failure to stop at a red light	$1578	$264
Failure to yield	$1578	$268
Following too closely	$1578	$264
Illegal turn	$1578	$268
Improper passing	$1578	$264
Speeding 11 - 15 MPH over limit	$1578	$268
Speeding 16 - 20 MPH over limit	$1578	$264
Speeding 6 - 10 MPH over limit	$1578	$268
Texting while driving	$1578	$264
Wrong way/wrong lane	$1578	$268
Speeding in school zone	$1597	$267
At-fault accident - less than $1000	$1630	$278
Passing school bus	$1636	$272
Driving without lights	$1643	$280
Open container	$1649	$274
Operating a vehicle without permission	$1668	$284
Speeding 21 - 25 MPH over limit	$1726	$287
In 65 MPH zone	$1886	$321
At-fault accident - $1000-$2000	$1944	$324
At-fault accident - greater than $2000	$1944	$330
Reckless driving	$2219	$370
Racing	$2387	$406
Driving with a suspended license	$2425	$404
Refusal to submit to a chemical test	$2502	$426
DUI	$2514	$419
Leaving scene of an accident/hit and run	$2534	$431

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Ferndale after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Ferndale.

The cheapest car insurance premiums in Ferndale are offered by Erie at $680 for a six-month policy. However, it can be as expensive as $2797 with companies like Nationwide.

Ferndale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$680	$114
Travelers	$995	$167
Progressive	$1296	$218
USAA	$1495	$252
State Farm	$1944	$327
Allstate	$2143	$361
Nationwide	$2797	$471

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Ferndale are offered by State Farm at $609. However, it can be as expensive as $2618 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ferndale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$609	$103
USAA	$693	$118
Erie	$808	$136
Progressive	$936	$158
Travelers	$1283	$214
Nationwide	$1822	$310
Allstate	$2618	$436

Car Insurance Price Trends in Ferndale, Maryland

Car insurance rates in Ferndale have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Ferndale rose by $230 in December compared to $229 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Ferndale remained steady at $83 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Ferndale?

The car insurance in Ferndale is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Ferndale?

The cheapest car insurance in Ferndale is $136 per month for full coverage.

How much is car insurance in Ferndale for teenagers?

Car insurance for teenagers costs $482 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Ferndale?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $185 per month to insure your car in Ferndale.

Is car insurance expensive in Ferndale?

Car insurance can be expensive in Ferndale if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ferndale can be affordable.

Cheapest Car Insurance Quotes in Ferndale

Why you can trust Way?

How Much Is Car Insurance in Ferndale

Avg. Car Insurance in Ferndale

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Ferndale

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Ferndale Car Insurance Rates by Company

Cheap Car Insurance Companies in Ferndale, MD

Way's key takeaways about car insurance in Ferndale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ferndale

Cheapest Liability Coverage in Ferndale, MD

Cheapest Full Coverage Car Insurance in Ferndale

Cheapest Full Coverage Car Insurance Quotes in Ferndale, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ferndale by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Ferndale, MD increasing?

Car Insurance Premiums by Age in Ferndale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ferndale,MD

If you are in your twenties Travelers is the best choice for car insurance in Ferndale.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Ferndale

Cheapest Car Insurance Companies after an At-Fault Accident in Ferndale

Ferndale Car Insurance Rates by Violation

Ferndale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ferndale after a DUI

Ferndale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ferndale after Speeding ticket

Car Insurance Price Trends in Ferndale, Maryland

Average Car Insurance Cost in Ferndale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ferndale, MD

Car Insurance Rates by State in the USA (2025 Update)

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