Cheapest Car Insurance Quotes in Ferris

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Ferris Car Insurance

^$ 46

/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 Ferris

The car insurance rate in Ferris is $1120 for a six-month policy, which is $73 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $712, making it a popular choice for budget-conscious drivers. Rates in Ferris 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 Ferris

$1120

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Ferris

1st place: Texas Farm Bureau

At $712 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $845 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 $871 for six months, making it the third cheapest auto insurance company in Ferris.

Ferris Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ferris, TX is Texas Farm Bureau, offering policies at just $712 for a six-month term. This is followed by Mercury, which has an average six-month premium of $845.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1214 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ferris drivers find the best deals.

Cheap Car Insurance Companies in Ferris, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$712	$120
Mercury	$845	$143
State Farm	$871	$147
AAA Texas	$884	$150
USAA	$973	$164
Redpoint Insurance	$1042	$178
Progressive	$1202	$202
Southern County Mutual	$1379	$234
Allstate	$1640	$276
Farmers	$2625	$446
Redpoint County Mutual	$1023	$174
Geico County Mutual	$1144	$195
Germania	$458	$76
AAA	$800	$134
National General	$1214	$202

Key Takeaways

Way's key takeaways about car insurance in Ferris

The auto insurance costs in Ferris fall around $712 for six months.
The cheapest auto insurance company in Ferris is Texas Farm Bureau.
Teen drivers pay the highest rate in Ferris at $78 per month.

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Cheapest Minimum Liability Car Insurance in Ferris

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 Ferris are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Ferris. Their Average 6 Month Premium is $273. Germania is the most expensive at $458 for the same period.

Cheapest Liability Coverage in Ferris, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$273	$46
USAA	$305	$51
Progressive	$318	$54
State Farm	$324	$55
Redpoint Insurance	$356	$59
Mercury	$413	$70
AAA Texas	$458	$76
Allstate	$629	$106
Farmers	$1036	$172
Redpoint County Mutual	$343	$57
Geico County Mutual	$356	$61
National General	$394	$65
Germania	$458	$78

Cheapest Full Coverage Car Insurance in Ferris

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 Ferris is Texas Farm Bureau at $120 per month and $712 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ferris, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$712	$120
Mercury	$845	$143
State Farm	$871	$147
AAA Texas	$884	$150
USAA	$973	$164
Redpoint Insurance	$1042	$178
Progressive	$1202	$202
Southern County Mutual	$1379	$234
Allstate	$1640	$276
Farmers	$2625	$446
Redpoint County Mutual	$1023	$174
Geico County Mutual	$1144	$195
Germania	$458	$76
AAA	$800	$134
National General	$1214	$202

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Average Car Insurance in Ferris 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 Ferris, TX increasing?

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

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

Car Insurance Premiums by Age in Ferris

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
30s	Texas Farm Bureau	$748
40s	Nationwide	$743
50s	Texas Farm Bureau	$662
60s	Texas Farm Bureau	$612
70s	Texas Farm Bureau	$657

Cheapest Car Insurance Rates for Teen Drivers in Ferris,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Ferris at $60 per month. At $471 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$363	$60
Southern County Mutual	$471	$80
Mercury	$508	$85
AAA Texas	$579	$98
Texas Farm Bureau	$1265	$213
USAA	$1379	$232
State Farm	$1431	$241
Allstate	$3591	$605
Progressive	$6127	$1031
Farmers	$8567	$1456
Redpoint County Mutual	$350	$60
Geico County Mutual	$471	$78

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Ferris.

As young drivers face the highest rates in Ferris, Texas Farm Bureau offers the cheapest auto insurance rates at $748 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 Ferris, Mercury is the cheapest car insurance provider. At $553 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 Ferris is State Farm, offering rates of around $4799 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$553	$94
Foremost	$661	$110
AAA Texas	$705	$120
Dairyland	$820	$137
Allstate	$1074	$183
USAA	$1100	$183
Texas Farm Bureau	$1239	$211
Progressive	$1716	$289
Farmers	$4347	$739
State Farm	$4799	$799

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Car Insurance Rates with An Accident in Ferris

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 Ferris, TX, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Ferris include Redpoint Insurance and Southern County Mutual, offering $363 and $439, respectively. National General is an expensive provider with an average six-month premium of $616.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$363	$60
Southern County Mutual	$439	$75
State Farm	$674	$113
AAA Texas	$681	$116
Mercury	$826	$138
USAA	$1010	$170
Texas Farm Bureau	$1118	$188
Progressive	$2078	$350
Allstate	$2339	$394
Farmers	$7214	$1226
Redpoint County Mutual	$350	$58
Geico County Mutual	$439	$75
National General	$616	$105

Ferris Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ferris TX. For example, the car insurance in Ferris after a DUI increases to $839 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

Ferris auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1373	$229
One Med/PIP claim	$1386	$235
One comp claim	$1455	$243
Not-at-fault accident	$1468	$249
Two Med/PIP claims	$1474	$246
Failure to show documents	$1526	$259
Driving with expired registration	$1538	$257
Two comp claims	$1550	$263
Cell phone violation	$1563	$261
Driving without lights	$1563	$265
Texting while driving	$1563	$261
Driving too slowly	$1570	$266
Speeding 11 - 15 MPH over limit	$1570	$262
Speeding 16 - 20 MPH over limit	$1570	$266
Speeding 6 - 10 MPH over limit	$1570	$262
Speeding in school zone	$1570	$266
Child safety restraint	$1576	$263
Failure to wear a seat belt	$1576	$268
In 65 MPH zone	$1583	$264
Failure to stop at a red light	$1589	$271
Failure to yield	$1589	$265
Following too closely	$1589	$271
Illegal turn	$1589	$265
Improper passing	$1589	$271
Speeding 21 - 25 MPH over limit	$1589	$265
Passing school bus	$1595	$272
Wrong way/wrong lane	$1595	$265
Operating a vehicle without permission	$1602	$273
At-fault accident - less than $1000	$1665	$277
Open container	$1875	$319
Driving with a suspended license	$1945	$324
Racing	$2060	$350
Reckless driving	$2060	$343
Leaving scene of an accident/hit and run	$2110	$358
At-fault accident - $1000-$2000	$2116	$353
Refusal to submit to a chemical test	$2180	$370
DUI	$2212	$369
At-fault accident - greater than $2000	$2301	$392

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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 Ferris 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 Ferris.

The cheapest car insurance premiums in Ferris are offered by Mercury at $547 for a six-month policy. However, it can be as expensive as $3312 with companies like Farmers.

Ferris car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$547	$91
Foremost	$616	$105
Dairyland	$674	$112
AAA Texas	$712	$121
State Farm	$890	$150
Texas Farm Bureau	$1055	$180
Progressive	$1334	$225
USAA	$1366	$230
Allstate	$1742	$293
Nationwide	$1799	$306
Farmers	$3312	$552

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 Ferris are offered by State Farm at $495. However, it can be as expensive as $3604 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ferris after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$495	$83
Texas Farm Bureau	$547	$93
Mercury	$566	$94
AAA Texas	$603	$103
USAA	$795	$133
Allstate	$1074	$183
Progressive	$1850	$308
Farmers	$3604	$613

Car Insurance Price Trends in Ferris, Texas

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

The average cost of full coverage in the Ferris remained steady at $221 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ferris rose to $68 in December, compared to $66 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ferris?

The car insurance in Ferris is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Ferris?

The cheapest car insurance in Ferris is $120 per month for full coverage.

How much is car insurance in Ferris for teenagers?

Car insurance for teenagers costs $363 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 Ferris?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $189 per month to insure your car in Ferris.

Is car insurance expensive in Ferris?

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

Cheapest Car Insurance Quotes in Ferris

Why you can trust Way?

How Much Is Car Insurance in Ferris

Avg. Car Insurance in Ferris

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Ferris

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Ferris Car Insurance Rates by Company

Cheap Car Insurance Companies in Ferris, TX

Way's key takeaways about car insurance in Ferris

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ferris

Cheapest Liability Coverage in Ferris, TX

Cheapest Full Coverage Car Insurance in Ferris

Cheapest Full Coverage Car Insurance Quotes in Ferris, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ferris by Rating Factor

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

Car Insurance Premiums by Age in Ferris

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ferris,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Ferris.

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 Ferris

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

Ferris Car Insurance Rates by Violation

Ferris auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ferris after a DUI

Ferris car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ferris after Speeding ticket

Car Insurance Price Trends in Ferris, Texas

Average Car Insurance Cost in Ferris by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ferris, TX

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

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