Cheapest Car Insurance Quotes in Rutherford College

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Rutherford College Car Insurance

^$ 30

/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 College

The car insurance rate in Rutherford College is $902 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $404, making it a popular choice for budget-conscious drivers. Rates in Rutherford College 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 College

$902

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Rutherford College

1st place: Erie

At $404 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $481 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 $552 for six months, making it the third cheapest auto insurance company in Rutherford College.

Rutherford College Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rutherford College, NC is Erie, offering policies at just $404 for a six-month term. This is followed by Progressive, which has an average six-month premium of $481.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rutherford College drivers find the best deals.

Cheap Car Insurance Companies in Rutherford College, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$404	$68
Progressive	$481	$81
State Farm	$552	$93
North Carolina Farm Bureau	$653	$110
Nationwide	$849	$143
Farm Bureau	$1117	$190
Farmers	$1140	$190
Kemper	$1253	$213
Allstate	$1426	$240
Penn National	$1152	$192

Key Takeaways

Way's key takeaways about car insurance in Rutherford College

The auto insurance costs in Rutherford College fall around $404 for six months.
The cheapest auto insurance company in Rutherford College is Erie.
Teen drivers pay the highest rate in Rutherford College at $61 per month.

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Cheapest Minimum Liability Car Insurance in Rutherford College

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 College are given below.

Erie provides the cheapest minimum car insurance coverage in Rutherford College. Their Average 6 Month Premium is $178. National Farmers Union Insurance is the most expensive at $309 for the same period.

Cheapest Liability Coverage in Rutherford College, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$178	$30
State Farm	$244	$41
Progressive	$255	$43
North Carolina Farm Bureau	$279	$47
Nationwide	$350	$59
National General	$362	$60
Penn National	$392	$67
Farm Bureau	$570	$95
Allstate	$624	$105
National Farmers Union Insurance	$309	$51

Cheapest Full Coverage Car Insurance in Rutherford College

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 College is Erie at $68 per month and $404 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rutherford College, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$404	$68
Progressive	$481	$81
State Farm	$552	$93
North Carolina Farm Bureau	$653	$110
Nationwide	$849	$143
Farm Bureau	$1117	$190
Farmers	$1140	$190
Kemper	$1253	$213
Allstate	$1426	$240
Penn National	$1152	$192

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Average Car Insurance in Rutherford College 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 College, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Rutherford College, North Carolina, may be increasing due to several external factors. North Carolina 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 College'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 College

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	North Carolina Farm Bureau	$407
30s	North Carolina Farm Bureau	$407
40s	North Carolina Farm Bureau	$407
50s	North Carolina Farm Bureau	$407
60s	North Carolina Farm Bureau	$407
70s	North Carolina Farm Bureau	$407

Cheapest Car Insurance Rates for Teen Drivers in Rutherford College,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Rutherford College at $88 per month. At $356 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$523	$88
State Farm	$677	$114
Erie	$683	$115
North Carolina Farm Bureau	$1194	$201
Nationwide	$2584	$431
Allstate	$3124	$531
Penn National	$345	$57
National General	$356	$61

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Rutherford College.

As young drivers face the highest rates in Rutherford College, North Carolina Farm Bureau offers the cheapest auto insurance rates at $407 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 College, North Carolina Farm Bureau is the cheapest car insurance provider. At $178 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 College is Allstate, offering rates of around $3142 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$178	$30
National General	$309	$51
Progressive	$333	$56
Erie	$386	$65
Nationwide	$766	$129
State Farm	$1319	$222
Farm Bureau	$1509	$257
Allstate	$3142	$524

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Car Insurance Rates with An Accident in Rutherford College

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 College, NC, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Rutherford College include Progressive and Erie, offering $505 and $511, respectively. Farmers is an expensive provider with an average six-month premium of $529.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$505	$85
Erie	$511	$86
State Farm	$570	$96
North Carolina Farm Bureau	$784	$132
Nationwide	$1408	$237
Farm Bureau	$1776	$302
Allstate	$2685	$452
Penn National	$493	$84
Farmers	$529	$88

Rutherford College Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rutherford College NC. For example, the car insurance in Rutherford College after a DUI increases to $1848 for a six month policy. While the rate increases by $220 for a six-month policy in the case of a speeding ticket.

Rutherford College auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$570	$95
One Med/PIP claim	$570	$97
Not-at-fault accident	$576	$96
One comp claim	$588	$100
Two Med/PIP claims	$588	$98
Two comp claims	$606	$103
Failure to show documents	$671	$112
Child safety restraint	$743	$126
Driving without lights	$743	$124
Failure to wear a seat belt	$743	$126
Cell phone violation	$784	$131
Texting while driving	$784	$133
Speeding 6 - 10 MPH over limit	$790	$132
Driving with expired registration	$796	$135
Driving too slowly	$808	$135
Failure to stop at a red light	$808	$137
Failure to yield	$808	$135
Illegal turn	$808	$137
Open container	$808	$135
Operating a vehicle without permission	$808	$137
Wrong way/wrong lane	$808	$135
Speeding in school zone	$814	$138
At-fault accident - $1000-$2000	$820	$137
At-fault accident - less than $1000	$820	$139
In 65 MPH zone	$867	$145
Speeding 11 - 15 MPH over limit	$867	$147
Speeding 16 - 20 MPH over limit	$867	$145
Speeding 21 - 25 MPH over limit	$867	$147
Improper passing	$885	$148
Following too closely	$891	$152
At-fault accident - greater than $2000	$956	$159
Passing school bus	$1087	$185
Reckless driving	$1099	$183
Driving with a suspended license	$1699	$289
Leaving scene of an accident/hit and run	$2388	$398
Refusal to submit to a chemical test	$2412	$410
DUI	$2418	$403
Racing	$2459	$418

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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 College 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 College.

The cheapest car insurance premiums in Rutherford College are offered by National General at $410 for a six-month policy. However, it can be as expensive as $1360 with companies like Farmers.

Rutherford College car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$410	$70
Progressive	$1319	$222
State Farm	$1467	$247
Erie	$1556	$262
Nationwide	$2917	$491
North Carolina Farm Bureau	$3219	$542
Allstate	$6189	$1042
Farm Bureau	$6647	$1108
Farmers	$1360	$227

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 College are offered by North Carolina Farm Bureau at $190. However, it can be as expensive as $2073 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rutherford College after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$190	$32
National General	$398	$68
Erie	$404	$68
State Farm	$434	$73
Progressive	$451	$76
Nationwide	$814	$137
Farm Bureau	$1491	$248
Allstate	$2073	$352

Car Insurance Price Trends in Rutherford College, North Carolina

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

The average cost of full coverage in the Rutherford College remained steady at $114 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Rutherford College remained steady at $55 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Rutherford College?

The car insurance in Rutherford College is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Rutherford College?

The cheapest car insurance in Rutherford College is $68 per month for full coverage.

How much is car insurance in Rutherford College for teenagers?

Car insurance for teenagers costs $523 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 College?

The average cost of car insurance is $902 for a six-month policy. It will cost around $152 per month to insure your car in Rutherford College.

Is car insurance expensive in Rutherford College?

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

Cheapest Car Insurance Quotes in Rutherford College

Why you can trust Way?

How Much Is Car Insurance in Rutherford College

Avg. Car Insurance in Rutherford College

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Rutherford College

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Rutherford College Car Insurance Rates by Company

Cheap Car Insurance Companies in Rutherford College, NC

Way's key takeaways about car insurance in Rutherford College

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rutherford College

Cheapest Liability Coverage in Rutherford College, NC

Cheapest Full Coverage Car Insurance in Rutherford College

Cheapest Full Coverage Car Insurance Quotes in Rutherford College, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rutherford College by Rating Factor

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

Car Insurance Premiums by Age in Rutherford College

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rutherford College,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Rutherford College.

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 College

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

Rutherford College Car Insurance Rates by Violation

Rutherford College auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rutherford College after a DUI

Rutherford College car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rutherford College after Speeding ticket

Car Insurance Price Trends in Rutherford College, North Carolina

Average Car Insurance Cost in Rutherford College by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rutherford College, NC

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

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