Cheapest Car Insurance Quotes in Rutherford

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Rutherford Car Insurance

^$ 27

/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 Rutherford

The car insurance rate in Rutherford is $1307 for a six-month policy, which is $62 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $674, making it a popular choice for budget-conscious drivers. Rates in Rutherford 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 Rutherford

$1307

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Rutherford

1st place: CSAA

At $674 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1079 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1097 for six months, making it the third cheapest auto insurance company in Rutherford.

Rutherford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rutherford, CA is CSAA, offering policies at just $674 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1079.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1441 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rutherford drivers find the best deals.

Cheap Car Insurance Companies in Rutherford, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$674	$113
Mercury	$1079	$182
AAA NorCal	$1097	$187
Progressive	$1097	$185
Wawanesa	$1148	$193
USAA	$1167	$196
Auto Club	$1197	$204
Allstate	$1335	$225
AAA SoCal	$1409	$239
Kemper	$1491	$249
State Farm	$1597	$269
Travelers	$1784	$297
Farmers	$1790	$305
AAA	$1441	$240

Key Takeaways

Way's key takeaways about car insurance in Rutherford

The auto insurance costs in Rutherford fall around $674 for six months.
The cheapest auto insurance company in Rutherford is CSAA.
Teen drivers pay the highest rate in Rutherford at $633 per month.

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Cheapest Minimum Liability Car Insurance in Rutherford

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 Rutherford are given below.

CSAA provides the cheapest minimum car insurance coverage in Rutherford. Their Average 6 Month Premium is $162. Travelers is the most expensive at $686 for the same period.

Cheapest Liability Coverage in Rutherford, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$162	$27
AAA NorCal	$268	$45
USAA	$306	$51
Progressive	$362	$61
Auto Club	$368	$61
Wawanesa	$386	$65
AAA	$443	$74
AAA SoCal	$449	$77
Mercury	$449	$76
State Farm	$492	$83
Allstate	$568	$96
Farmers	$611	$104
Travelers	$686	$114

Cheapest Full Coverage Car Insurance in Rutherford

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 Rutherford is CSAA at $113 per month and $674 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rutherford, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$674	$113
Mercury	$1079	$182
AAA NorCal	$1097	$187
Progressive	$1097	$185
Wawanesa	$1148	$193
USAA	$1167	$196
Auto Club	$1197	$204
Allstate	$1335	$225
AAA SoCal	$1409	$239
Kemper	$1491	$249
State Farm	$1597	$269
Travelers	$1784	$297
Farmers	$1790	$305
AAA	$1441	$240

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Average Car Insurance in Rutherford 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 Rutherford, CA increasing?

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

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

Car Insurance Premiums by Age in Rutherford

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	Wawanesa	$630
30s	Wawanesa	$508
40s	Wawanesa	$508
50s	Wawanesa	$508
60s	Wawanesa	$508
70s	Wawanesa	$498

Cheapest Car Insurance Rates for Teen Drivers in Rutherford,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Rutherford at $75 per month. At $3798 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$437	$75
Capital Insurance Group	$549	$91
USAA	$1428	$240
Wawanesa	$1460	$244
Progressive	$1672	$281
Mercury	$1734	$292
CSAA	$1840	$310
Auto Club	$2701	$450
State Farm	$2756	$464
Allstate	$3206	$540
AAA SoCal	$3393	$576
AAA NorCal	$3437	$572
Travelers	$3568	$607
Farmers	$3798	$633

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Rutherford.

As young drivers face the highest rates in Rutherford, Wawanesa offers the cheapest auto insurance rates at $630 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.

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

Car Insurance Rates with An Accident in Rutherford

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 Rutherford, CA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Rutherford include AAA and Capital Insurance Group, offering $393 and $573, respectively. Allstate is an expensive provider with an average six-month premium of $3624.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$393	$65
Capital Insurance Group	$573	$98
CSAA	$768	$129
USAA	$1260	$212
Mercury	$1379	$232
Progressive	$1441	$243
Wawanesa	$1621	$270
Auto Club	$1797	$306
Farmers	$1965	$331
AAA NorCal	$2227	$379
AAA SoCal	$2414	$402
State Farm	$2851	$480
Travelers	$3437	$572
Allstate	$3624	$610

Rutherford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rutherford CA. For example, the car insurance in Rutherford after a DUI increases to $1827 for a six month policy. While the rate increases by $480 for a six-month policy in the case of a speeding ticket.

Rutherford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1141	$190
Not-at-fault accident	$1141	$194
One comp claim	$1141	$190
One Med/PIP claim	$1141	$194
Two comp claims	$1141	$190
Two Med/PIP claims	$1141	$194
At-fault accident - less than $1000	$1167	$194
Failure to show documents	$1504	$255
Driving with expired registration	$1534	$256
Driving without lights	$1534	$260
Failure to wear a seat belt	$1540	$257
Child safety restraint	$1553	$264
Speeding 11 - 15 MPH over limit	$1615	$269
Speeding 16 - 20 MPH over limit	$1615	$275
Driving too slowly	$1621	$270
Failure to stop at a red light	$1621	$276
Failure to yield	$1621	$270
Following too closely	$1621	$276
Illegal turn	$1621	$270
In 65 MPH zone	$1621	$276
Speeding 21 - 25 MPH over limit	$1621	$270
Speeding 6 - 10 MPH over limit	$1621	$276
Speeding in school zone	$1621	$270
Improper passing	$1628	$277
Cell phone violation	$1634	$272
Texting while driving	$1634	$278
Passing school bus	$1653	$275
Wrong way/wrong lane	$1933	$329
Operating a vehicle without permission	$1977	$330
At-fault accident - $1000-$2000	$1990	$338
At-fault accident - greater than $2000	$1990	$332
Open container	$1996	$339
Driving with a suspended license	$2314	$385
Reckless driving	$2819	$480
Racing	$2851	$475
Leaving scene of an accident/hit and run	$2862	$487
DUI	$2968	$495
Refusal to submit to a chemical test	$2968	$505

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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 Rutherford 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 Rutherford.

The cheapest car insurance premiums in Rutherford are offered by Capital Insurance Group at $855 for a six-month policy. However, it can be as expensive as $785 with companies like AAA.

Rutherford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$855	$143
Mercury	$1222	$206
Progressive	$1621	$273
Wawanesa	$1827	$311
Farmers	$2052	$345
CSAA	$2183	$368
USAA	$2251	$379
Travelers	$2557	$431
Auto Club	$3611	$602
AAA NorCal	$3948	$671
AAA SoCal	$4428	$738
State Farm	$5620	$946
Allstate	$5726	$964
AAA	$785	$133

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 Rutherford are offered by CSAA at $100. However, it can be as expensive as $2745 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Rutherford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$100	$17
Capital Insurance Group	$549	$93
Mercury	$1179	$198
USAA	$1203	$205
Progressive	$1210	$204
AAA NorCal	$1391	$236
AAA SoCal	$1927	$321
Allstate	$2444	$416
Farmers	$2545	$424
State Farm	$2720	$462
Travelers	$2745	$458

Car Insurance Price Trends in Rutherford, California

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

The average cost of full coverage in the Rutherford rose by $223 in January compared to $202 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the Rutherford rose to $64 in January, compared to $58 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rutherford?

The car insurance in Rutherford is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Rutherford?

The cheapest car insurance in Rutherford is $113 per month for full coverage.

How much is car insurance in Rutherford for teenagers?

Car insurance for teenagers costs $437 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 Rutherford?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $219 per month to insure your car in Rutherford.

Is car insurance expensive in Rutherford?

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

Cheapest Car Insurance Quotes in Rutherford

Why you can trust Way?

How Much Is Car Insurance in Rutherford

Avg. Car Insurance in Rutherford

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Rutherford

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Rutherford Car Insurance Rates by Company

Cheap Car Insurance Companies in Rutherford, CA

Way's key takeaways about car insurance in Rutherford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rutherford

Cheapest Liability Coverage in Rutherford, CA

Cheapest Full Coverage Car Insurance in Rutherford

Cheapest Full Coverage Car Insurance Quotes in Rutherford, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rutherford by Rating Factor

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

Car Insurance Premiums by Age in Rutherford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rutherford,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Rutherford.

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 Rutherford

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

Rutherford Car Insurance Rates by Violation

Rutherford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rutherford after a DUI

Rutherford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rutherford after Speeding ticket

Car Insurance Price Trends in Rutherford, California

Average Car Insurance Cost in Rutherford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rutherford, CA

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

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