Cheapest Car Insurance Quotes in Rutherford

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Rutherford Car Insurance

^$ 70

/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 $1324 for a six-month policy, which is $202 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

$1324

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

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: NJM

NJM offers auto insurance rates at $1087 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 $1101 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 NJM, which has an average six-month premium of $1087.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1199 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	$155
NJM	$1087	$183
New Jersey Skylands Insurance	$1101	$188
Progressive	$1114	$188
Plymouth Rock	$1185	$199
Allstate	$1339	$225
Travelers	$1381	$232
State Farm	$1471	$248
Amica Mutual	$1542	$262
Selective	$1605	$268
Farmers	$1955	$333
National General	$1199	$204

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 $1245 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. National General is the most expensive at $441 for the same period.

Cheapest Liability Coverage in Rutherford, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$420	$70
Plymouth Rock	$526	$89
Progressive	$526	$89
NJM	$568	$96
New Jersey Skylands Insurance	$617	$103
State Farm	$624	$105
Amica Mutual	$631	$105
Travelers	$631	$106
Amica	$722	$120
Selective	$763	$130
Allstate	$785	$132
Farmers	$1269	$216
National General	$441	$76

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 $155 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	$155
NJM	$1087	$183
New Jersey Skylands Insurance	$1101	$188
Progressive	$1114	$188
Plymouth Rock	$1185	$199
Allstate	$1339	$225
Travelers	$1381	$232
State Farm	$1471	$248
Amica Mutual	$1542	$262
Selective	$1605	$268
Farmers	$1955	$333
National General	$1199	$204

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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 $7324 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
Selective	$792	$132
NJM	$1206	$203
New Jersey Manufacturers	$2089	$348
Travelers	$2923	$492
Plymouth Rock	$3133	$527
Allstate	$3140	$529
Progressive	$3421	$576
Amica Mutual	$3693	$628
State Farm	$4051	$682
Farmers	$7324	$1245

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 Farmers, offering rates of around $6616 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	$1304	$219
Progressive	$1318	$222
Plymouth Rock	$1710	$288
Allstate	$2923	$497
Travelers	$4206	$701
State Farm	$6399	$1088
Farmers	$6616	$1103

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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 $763, respectively. National General is an expensive provider with an average six-month premium of $512.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$743	$124
NJM	$763	$129
New Jersey Manufacturers	$961	$160
Plymouth Rock	$968	$163
Selective	$1114	$185
Amica Mutual	$1192	$201
Progressive	$1486	$250
State Farm	$2272	$382
Travelers	$2397	$404
Allstate	$3343	$563
Farmers	$6035	$1005
National General	$512	$85

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 $834 for a six-month policy. However, it can be as expensive as $6091 with companies like Amica Mutual.

Rutherford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$834	$140
NJM	$918	$155
Foremost	$946	$160
Progressive	$1066	$179
Mercury	$1094	$186
New Jersey Manufacturers	$1178	$196
Selective	$1247	$212
Allstate	$1781	$300
Travelers	$1857	$313
State Farm	$5419	$912
Farmers	$6000	$1021
Amica Mutual	$6091	$1015

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 $763. However, it can be as expensive as $2761 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	$763	$129
NJM	$968	$163
Progressive	$1094	$184
State Farm	$1549	$263
Allstate	$2341	$391
Travelers	$2460	$419
Farmers	$2761	$460

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 $290 in December compared to $287 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Rutherford rose to $101 in December, compared to $98 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 Rutherford?

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

What is the cheapest car insurance in Rutherford?

The cheapest car insurance in Rutherford is $155 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 $1122 for a six-month policy. It will cost around $223 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: NJM

3rd place: New Jersey Skylands Insurance

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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