Cheapest Car Insurance Quotes in Ferndale

Finding the cheapest car insurance quotes in Ferndale shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Ferndale Car Insurance

^$ 50

/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 $1880 for a six-month policy, which is $556 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $700, 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

$1880

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Ferndale

1st place: Travelers

At $700 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $895 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $970 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, MI is Travelers, offering policies at just $700 for a six-month term. This is followed by USAA, which has an average six-month premium of $895.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1156 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, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$700	$118
USAA	$895	$151
Encompass	$970	$165
Auto-Owners Insurance Co	$995	$166
Chubb	$1047	$178
Farm Bureau Ins of MI	$1231	$206
Auto-Owners	$1291	$217
AAA	$1299	$219
Pioneer State Mutual Ins Co	$1340	$229
Progressive	$1375	$231
Westfield	$1670	$281
Farm Bureau	$2387	$398
Pioneer State Mutual	$2599	$442
State Farm	$2775	$467
Frankenmuth	$2952	$503
Bristol West	$3331	$555
Allstate	$2556	$435
Farmers	$5179	$880
Hastings Mutual	$1156	$193

Key Takeaways

Way's key takeaways about car insurance in Ferndale

The auto insurance costs in Ferndale fall around $700 for six months.
The cheapest auto insurance company in Ferndale is Travelers.
Teen drivers pay the highest rate in Ferndale at $1372 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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.

Travelers provides the cheapest minimum car insurance coverage in Ferndale. Their Average 6 Month Premium is $295. Farmers is the most expensive at $2691 for the same period.

Cheapest Liability Coverage in Ferndale, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$295	$50
Westfield	$312	$53
USAA	$371	$62
Encompass	$405	$68
Chubb	$430	$74
Auto-Owners Insurance Co	$464	$77
Auto-Owners	$514	$87
Progressive	$582	$98
AAA	$591	$101
Farm Bureau Ins of MI	$599	$99
Farm Bureau	$751	$128
Pioneer State Mutual	$760	$126
Frankenmuth	$895	$152
State Farm	$1383	$233
Bristol West	$1392	$237
Allstate	$1088	$185
Farmers	$2691	$449

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 Travelers at $118 per month and $700 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ferndale, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$700	$118
USAA	$895	$151
Encompass	$970	$165
Auto-Owners Insurance Co	$995	$166
Chubb	$1047	$178
Farm Bureau Ins of MI	$1231	$206
Auto-Owners	$1291	$217
AAA	$1299	$219
Pioneer State Mutual Ins Co	$1340	$229
Progressive	$1375	$231
Westfield	$1670	$281
Farm Bureau	$2387	$398
Pioneer State Mutual	$2599	$442
State Farm	$2775	$467
Frankenmuth	$2952	$503
Bristol West	$3331	$555
Allstate	$2556	$435
Farmers	$5179	$880
Hastings Mutual	$1156	$193

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Ferndale Instantly!

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, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Ferndale, Michigan, may be increasing due to several external factors. Michigan 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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Ferndale,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Ferndale at $58 per month. At $8232 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$346	$58
Westfield	$371	$62
Encompass	$405	$68
Chubb	$481	$82
Auto-Owners Insurance Co	$506	$84
Grange	$657	$112
USAA	$1426	$240
Auto-Owners	$1788	$301
AAA	$2320	$391
Progressive	$3273	$551
Farm Bureau	$3896	$649
Pioneer State Mutual	$4571	$777
Frankenmuth	$5449	$909
State Farm	$7659	$1302
Allstate	$5534	$941
Farmers	$23752	$4038
Bristol West	$8232	$1372

Teen Car Insurance Rates in MI by Age

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, Travelers is the cheapest car insurance provider. At $565 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 Farm Bureau Ins of MI, offering rates of around $1788 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$565	$94
Encompass	$582	$99
Progressive	$818	$136
Westfield	$861	$146
Auto-Owners Insurance Co	$912	$152
Pioneer State Mutual Ins Co	$1113	$189
Grange	$1409	$234
Farm Bureau Ins of MI	$1788	$304

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Ferndale.

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, MI, 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 Chubb and Westfield, offering $430 and $456, respectively. Pioneer State is an expensive provider with an average six-month premium of $675.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$430	$74
Westfield	$456	$75
Auto-Owners Insurance Co	$531	$91
Encompass	$599	$99
Farm Bureau Ins of MI	$709	$121
Pioneer State Mutual Ins Co	$784	$131
Travelers	$835	$141
USAA	$1088	$183
Progressive	$1291	$217
Auto-Owners	$1501	$253
AAA	$1788	$301
Farm Bureau	$2918	$487
Pioneer State Mutual	$3113	$530
State Farm	$3517	$586
Frankenmuth	$3796	$646
Allstate	$4074	$679
Farmers	$7279	$1238
Pioneer State	$675	$112

Ferndale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ferndale MI. For example, the car insurance in Ferndale after a DUI increases to $3408 for a six month policy. While the rate increases by $1856 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	$1856	$310
Failure to wear a seat belt	$2201	$375
Cell phone violation	$2336	$389
Texting while driving	$2336	$398
Illegal turn	$2344	$391
Wrong way/wrong lane	$2344	$399
Speeding in school zone	$2379	$396
Driving with expired registration	$2396	$408
Failure to stop at a red light	$2421	$403
Improper passing	$2421	$412
Speeding 16 - 20 MPH over limit	$2691	$449
Open container	$3171	$540
Driving with a suspended license	$3551	$592
Racing	$4580	$778
Reckless driving	$4977	$829
Leaving scene of an accident/hit and run	$5103	$868
DUI	$5264	$878

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Chubb at $430 for a six-month policy. However, it can be as expensive as $13293 with companies like Allstate.

Ferndale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$430	$71
Auto-Owners Insurance Co	$1139	$193
Grange	$1147	$192
Farmers	$1164	$197
Progressive	$1282	$216
Pioneer State Mutual Ins Co	$1383	$236
USAA	$1535	$258
Travelers	$1695	$288
Auto-Owners	$2742	$462
Westfield	$2792	$470
AAA	$3079	$518
Bristol West	$3948	$672
Pioneer State Mutual	$4969	$828
Farm Bureau	$5845	$994
State Farm	$7229	$1217
Frankenmuth	$13082	$2225
Allstate	$13293	$2215

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 Westfield at $371. However, it can be as expensive as $16777 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ferndale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$371	$62
Chubb	$430	$71
Encompass	$456	$78
Travelers	$557	$92
Auto-Owners Insurance Co	$591	$101
Farm Bureau Ins of MI	$843	$141
Grange	$895	$152
Auto-Owners	$1122	$187
USAA	$1147	$195
AAA	$1451	$241
Farm Bureau	$1501	$256
Pioneer State Mutual	$1653	$275
Progressive	$1687	$284
Frankenmuth	$2699	$450
State Farm	$4909	$835
Allstate	$3331	$567
Farmers	$16777	$2853

Car Insurance Price Trends in Ferndale, Michigan

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 dipped by $298 in January compared to $381 of December. In other words, there has been an decrease by $83 when you compare January and December.

The average cost of liability insurance in the Ferndale dipped to $105 in January, compared to $126 in December. This represents an decrease of $21 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Ferndale?

The car insurance in Ferndale is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Ferndale?

The cheapest car insurance in Ferndale is $118 per month for full coverage.

How much is car insurance in Ferndale for teenagers?

Car insurance for teenagers costs $346 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 $1324 for a six-month policy. It will cost around $317 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 Michigan

National Average

Cheapest Car Insurance Companies in Ferndale

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Ferndale Car Insurance Rates by Company

Cheap Car Insurance Companies in Ferndale, MI

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, MI

Cheapest Full Coverage Car Insurance in Ferndale

Cheapest Full Coverage Car Insurance Quotes in Ferndale, MI

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, MI 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,MI

If you are in your twenties N/A 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, Michigan

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, MI

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

Featured Blogs

Data Sources