Cheapest Car Insurance Quotes in East Rutherford

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East Rutherford Car Insurance

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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 East Rutherford

The car insurance rate in East Rutherford is $1335 for a six-month policy, which is $213 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $919, making it a popular choice for budget-conscious drivers. Rates in East 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 East Rutherford

$1335

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in East Rutherford

1st place: New Jersey Manufacturers

At $919 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: NJM

NJM offers auto insurance rates at $1096 for a six-month policy, making it one of the cheapest to insure with.

3rd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1110 for six months, making it the third cheapest auto insurance company in East Rutherford.

East Rutherford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Rutherford, NJ is New Jersey Manufacturers, offering policies at just $919 for a six-month term. This is followed by NJM, which has an average six-month premium of $1096.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1209 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Rutherford drivers find the best deals.

Cheap Car Insurance Companies in East Rutherford, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$919	$156
NJM	$1096	$184
New Jersey Skylands Insurance	$1110	$189
Progressive	$1123	$189
Plymouth Rock	$1195	$201
Allstate	$1351	$227
Travelers	$1392	$234
State Farm	$1484	$250
Amica Mutual	$1555	$264
Selective	$1618	$270
Farmers	$1972	$336
National General	$1209	$206

Key Takeaways

Way's key takeaways about car insurance in East Rutherford

The auto insurance costs in East Rutherford fall around $919 for six months.
The cheapest auto insurance company in East Rutherford is New Jersey Manufacturers.
Teen drivers pay the highest rate in East Rutherford at $1255 per month.

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

Cheapest Minimum Liability Car Insurance in East 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 East Rutherford are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in East Rutherford. Their Average 6 Month Premium is $424. National General is the most expensive at $445 for the same period.

Cheapest Liability Coverage in East Rutherford, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$424	$70
Plymouth Rock	$531	$89
Progressive	$531	$89
NJM	$572	$96
New Jersey Skylands Insurance	$622	$104
State Farm	$630	$106
Amica Mutual	$637	$106
Travelers	$637	$107
Amica	$728	$121
Selective	$770	$131
Allstate	$791	$133
Farmers	$1279	$218
National General	$445	$76

Cheapest Full Coverage Car Insurance in East 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 East Rutherford is New Jersey Manufacturers at $156 per month and $919 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Rutherford, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$919	$156
NJM	$1096	$184
New Jersey Skylands Insurance	$1110	$189
Progressive	$1123	$189
Plymouth Rock	$1195	$201
Allstate	$1351	$227
Travelers	$1392	$234
State Farm	$1484	$250
Amica Mutual	$1555	$264
Selective	$1618	$270
Farmers	$1972	$336
National General	$1209	$206

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Average Car Insurance in East 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 East Rutherford, NJ increasing?

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

Additionally, East 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 East 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	NJM	$913
30s	NJM	$709
40s	NJM	$657
50s	NJM	$606
60s	NJM	$558

Cheapest Car Insurance Rates for Teen Drivers in East Rutherford,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the East Rutherford at $108 per month. At $7386 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$637	$108
Selective	$798	$133
NJM	$1216	$205
New Jersey Manufacturers	$2106	$351
Travelers	$2948	$496
Plymouth Rock	$3159	$532
Allstate	$3167	$533
Progressive	$3450	$581
Amica Mutual	$3725	$633
State Farm	$4085	$688
Farmers	$7386	$1255

Teen Car Insurance Rates in NJ by Age

Way Tip

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

As young drivers face the highest rates in East Rutherford, NJM offers the cheapest auto insurance rates at $913 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 East Rutherford, Amica Mutual is the cheapest car insurance provider. At $777 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 East Rutherford is Farmers, offering rates of around $6672 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$777	$132
New Jersey Skylands Insurance	$976	$163
Foremost	$1089	$186
NJM	$1315	$221
Progressive	$1329	$224
Plymouth Rock	$1724	$290
Allstate	$2948	$501
Travelers	$4241	$707
State Farm	$6453	$1097
Farmers	$6672	$1113

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

Car Insurance Rates with An Accident in East 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 East Rutherford, NJ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in East Rutherford include New Jersey Skylands Insurance and NJM, offering $750 and $770, respectively. National General is an expensive provider with an average six-month premium of $516.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$750	$125
NJM	$770	$130
New Jersey Manufacturers	$969	$162
Plymouth Rock	$976	$164
Selective	$1123	$187
Amica Mutual	$1202	$202
Progressive	$1498	$252
State Farm	$2291	$386
Travelers	$2417	$407
Allstate	$3371	$568
Farmers	$6086	$1014
National General	$516	$86

East Rutherford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Rutherford NJ. For example, the car insurance in East Rutherford after a DUI increases to $1499 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

East Rutherford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1378	$230
One Med/PIP claim	$1385	$236
Not-at-fault accident	$1449	$242
One comp claim	$1464	$249
Two Med/PIP claims	$1471	$245
Speeding 6 - 10 MPH over limit	$1584	$269
Speeding 11 - 15 MPH over limit	$1591	$265
Two comp claims	$1591	$270
Failure to show documents	$1611	$269
At-fault accident - less than $1000	$1633	$277
Failure to wear a seat belt	$1654	$276
Driving too slowly	$1661	$282
Driving without lights	$1668	$278
Child safety restraint	$1697	$288
Driving with expired registration	$1697	$283
Wrong way/wrong lane	$1724	$293
Failure to yield	$1731	$289
Failure to stop at a red light	$1739	$295
Illegal turn	$1767	$295
Cell phone violation	$1789	$305
Texting while driving	$1789	$298
Speeding in school zone	$1817	$309
Operating a vehicle without permission	$1824	$303
Speeding 16 - 20 MPH over limit	$1824	$311
Improper passing	$1866	$311
Following too closely	$1873	$319
Passing school bus	$1950	$325
In 65 MPH zone	$1965	$334
Speeding 21 - 25 MPH over limit	$2029	$338
At-fault accident - $1000-$2000	$2085	$355
At-fault accident - greater than $2000	$2099	$350
Open container	$2347	$399
Reckless driving	$2750	$458
Leaving scene of an accident/hit and run	$2856	$486
DUI	$2877	$480
Refusal to submit to a chemical test	$2877	$489
Racing	$2885	$481
Driving with a suspended license	$2998	$509

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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 East 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 East Rutherford.

The cheapest car insurance premiums in East Rutherford are offered by Plymouth Rock at $841 for a six-month policy. However, it can be as expensive as $6143 with companies like Amica Mutual.

East Rutherford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$841	$142
NJM	$926	$156
Foremost	$954	$162
Progressive	$1075	$181
Mercury	$1103	$188
New Jersey Manufacturers	$1188	$198
Selective	$1258	$214
Allstate	$1796	$302
Travelers	$1873	$315
State Farm	$5464	$920
Farmers	$6051	$1029
Amica Mutual	$6143	$1023

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 East Rutherford are offered by Plymouth Rock at $770. However, it can be as expensive as $2785 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in East Rutherford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$770	$130
NJM	$976	$164
Progressive	$1103	$186
State Farm	$1562	$265
Allstate	$2361	$394
Travelers	$2481	$422
Farmers	$2785	$464

Car Insurance Price Trends in East Rutherford, New Jersey

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

The average cost of full coverage in the East Rutherford rose by $293 in December compared to $289 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the East Rutherford rose to $102 in December, compared to $99 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in East Rutherford?

The car insurance in East Rutherford is $70 per month, which is lower than the national average.

What is the cheapest car insurance in East Rutherford?

The cheapest car insurance in East Rutherford is $156 per month for full coverage.

How much is car insurance in East Rutherford for teenagers?

Car insurance for teenagers costs $637 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 East Rutherford?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $225 per month to insure your car in East Rutherford.

Is car insurance expensive in East Rutherford?

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

Cheapest Car Insurance Quotes in East Rutherford

Why you can trust Way?

How Much Is Car Insurance in East Rutherford

Avg. Car Insurance in East Rutherford

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in East Rutherford

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

East Rutherford Car Insurance Rates by Company

Cheap Car Insurance Companies in East Rutherford, NJ

Way's key takeaways about car insurance in East Rutherford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Rutherford

Cheapest Liability Coverage in East Rutherford, NJ

Cheapest Full Coverage Car Insurance in East Rutherford

Cheapest Full Coverage Car Insurance Quotes in East Rutherford, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Rutherford by Rating Factor

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

Car Insurance Premiums by Age in East Rutherford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Rutherford,NJ

If you are in your twenties NJM is the best choice for car insurance in East 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 East Rutherford

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

East Rutherford Car Insurance Rates by Violation

East Rutherford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Rutherford after a DUI

East Rutherford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Rutherford after Speeding ticket

Car Insurance Price Trends in East Rutherford, New Jersey

Average Car Insurance Cost in East Rutherford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Rutherford, NJ

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

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