Cheapest Car Insurance Quotes in Rutherford

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Rutherford Car Insurance

^$ 72

/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 $1461 for a six-month policy, which is $223 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $911, 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

$1461

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Rutherford

1st place: New Jersey Manufacturers

At $911 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1101 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1114 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, NJ is New Jersey Manufacturers, offering policies at just $911 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1101.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2432 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, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$911	$152
New Jersey Skylands Insurance	$1101	$188
NJM	$1114	$188
Plymouth Rock	$1213	$204
Progressive	$1276	$215
Travelers	$1359	$229
Amica Mutual	$1542	$257
Allstate	$1591	$268
State Farm	$1717	$289
Selective	$1815	$306
Farmers	$2432	$406

Key Takeaways

Way's key takeaways about car insurance in Rutherford

The auto insurance costs in Rutherford fall around $911 for six months.
The cheapest auto insurance company in Rutherford is New Jersey Manufacturers.
Teen drivers pay the highest rate in Rutherford at $1234 per month.

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

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.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Rutherford. Their Average 6 Month Premium is $420. Farmers is the most expensive at $1213 for the same period.

Cheapest Liability Coverage in Rutherford, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$420	$72
Plymouth Rock	$568	$96
NJM	$582	$98
New Jersey Skylands Insurance	$617	$103
Amica Mutual	$631	$107
Amica	$722	$120
Progressive	$722	$122
Travelers	$743	$125
State Farm	$778	$131
Allstate	$863	$145
Selective	$961	$162
Farmers	$1213	$202

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 New Jersey Manufacturers at $152 per month and $911 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rutherford, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$911	$152
New Jersey Skylands Insurance	$1101	$188
NJM	$1114	$188
Plymouth Rock	$1213	$204
Progressive	$1276	$215
Travelers	$1359	$229
Amica Mutual	$1542	$257
Allstate	$1591	$268
State Farm	$1717	$289
Selective	$1815	$306
Farmers	$2432	$406

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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, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in 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, 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	NJM	$905
30s	NJM	$703
40s	NJM	$651
50s	NJM	$601
60s	NJM	$553

Cheapest Car Insurance Rates for Teen Drivers in 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 Rutherford at $107 per month. At $7262 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	$631	$107
NJM	$1261	$212
New Jersey Manufacturers	$2089	$355
Travelers	$2944	$496
Selective	$3190	$537
Plymouth Rock	$3309	$557
Amica Mutual	$3693	$628
Allstate	$4010	$675
Progressive	$4051	$682
State Farm	$4801	$808
Farmers	$7262	$1234

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 Rutherford.

As young drivers face the highest rates in Rutherford, NJM offers the cheapest auto insurance rates at $905 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 Rutherford, Amica Mutual is the cheapest car insurance provider. At $771 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 Rutherford is State Farm, offering rates of around $8530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$771	$131
New Jersey Skylands Insurance	$968	$162
Foremost	$1080	$184
NJM	$1352	$228
Progressive	$1738	$293
Plymouth Rock	$1795	$302
Farmers	$3224	$549
Selective	$3729	$622
Travelers	$3981	$677
Allstate	$4170	$695
State Farm	$8530	$1450

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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, NJ, 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 New Jersey Skylands Insurance and NJM, offering $743 and $792, respectively. Farmers is an expensive provider with an average six-month premium of $4711.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$743	$124
NJM	$792	$133
New Jersey Manufacturers	$961	$160
Plymouth Rock	$1002	$169
Amica Mutual	$1192	$201
Progressive	$1676	$282
Selective	$2272	$382
Travelers	$2327	$392
State Farm	$2692	$453
Allstate	$4206	$708
Farmers	$4711	$785

Rutherford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rutherford NJ. For example, the car insurance in Rutherford after a DUI increases to $1487 for a six month policy. While the rate increases by $205 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	$1366	$228
One Med/PIP claim	$1374	$234
Not-at-fault accident	$1437	$240
One comp claim	$1451	$247
Two Med/PIP claims	$1458	$243
Speeding 6 - 10 MPH over limit	$1571	$267
Speeding 11 - 15 MPH over limit	$1578	$263
Two comp claims	$1578	$268
Failure to show documents	$1598	$267
At-fault accident - less than $1000	$1619	$275
Failure to wear a seat belt	$1640	$274
Driving too slowly	$1647	$280
Driving without lights	$1654	$276
Child safety restraint	$1683	$286
Driving with expired registration	$1683	$281
Wrong way/wrong lane	$1710	$290
Failure to yield	$1717	$287
Failure to stop at a red light	$1724	$293
Illegal turn	$1752	$293
Cell phone violation	$1774	$302
Texting while driving	$1774	$295
Speeding in school zone	$1802	$307
Operating a vehicle without permission	$1809	$301
Speeding 16 - 20 MPH over limit	$1809	$308
Improper passing	$1850	$308
Following too closely	$1857	$316
Passing school bus	$1934	$322
In 65 MPH zone	$1948	$332
Speeding 21 - 25 MPH over limit	$2012	$335
At-fault accident - $1000-$2000	$2067	$352
At-fault accident - greater than $2000	$2082	$347
Open container	$2327	$395
Reckless driving	$2727	$454
Leaving scene of an accident/hit and run	$2832	$481
DUI	$2853	$476
Refusal to submit to a chemical test	$2853	$485
Racing	$2860	$477
Driving with a suspended license	$2972	$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 Plymouth Rock at $863 for a six-month policy. However, it can be as expensive as $6442 with companies like State Farm.

Rutherford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$863	$145
Foremost	$946	$158
NJM	$953	$160
Mercury	$1094	$182
New Jersey Manufacturers	$1178	$201
Progressive	$1199	$202
Travelers	$1809	$304
Allstate	$2165	$365
Selective	$2663	$448
Farmers	$3070	$512
Amica Mutual	$6091	$1036
State Farm	$6442	$1084

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 Plymouth Rock at $799. However, it can be as expensive as $4122 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rutherford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$799	$135
NJM	$1016	$171
Progressive	$1402	$236
Selective	$2019	$336
State Farm	$2046	$348
Travelers	$2348	$392
Allstate	$3421	$582
Farmers	$4122	$687

Car Insurance Price Trends in Rutherford, New Jersey

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 $342 in January compared to $290 of December. In other words, there has been an increase by $52 when you compare January and December.

The average cost of liability insurance in the Rutherford rose to $114 in January, compared to $101 in December. This represents an increase of $13 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 $72 per month, which is lower than the national average.

What is the cheapest car insurance in Rutherford?

The cheapest car insurance in Rutherford is $152 per month for full coverage.

How much is car insurance in Rutherford for teenagers?

Car insurance for teenagers costs $631 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 $1238 for a six-month policy. It will cost around $245 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 New Jersey

National Average

Cheapest Car Insurance Companies in Rutherford

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Rutherford Car Insurance Rates by Company

Cheap Car Insurance Companies in Rutherford, NJ

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, NJ

Cheapest Full Coverage Car Insurance in Rutherford

Cheapest Full Coverage Car Insurance Quotes in Rutherford, NJ

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, NJ 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,NJ

If you are in your twenties NJM 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, New Jersey

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, NJ

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

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