Cheapest Car Insurance Quotes in Rutherford

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Rutherford Car Insurance

^$ 21

/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 $707 for a six-month policy, which is $106 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $320, 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

$707

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Rutherford

1st place: AutoOwners Insurance Co

At $320 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $532 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, PA is AutoOwners Insurance Co, offering policies at just $320 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $445.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $847 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, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$320	$53
American National P&C	$445	$76
Westfield	$532	$89
Travelers	$573	$97
Erie	$698	$117
Nationwide	$812	$137
State Farm	$827	$139
Allstate	$920	$155
USAA	$977	$164
Progressive	$1215	$204
Auto-Owners	$331	$57
Encompass	$847	$141

Key Takeaways

Way's key takeaways about car insurance in Rutherford

The auto insurance costs in Rutherford fall around $320 for six months.
The cheapest auto insurance company in Rutherford is Westfield.
Teen drivers pay the highest rate in Rutherford at $632 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.

Westfield provides the cheapest minimum car insurance coverage in Rutherford. Their Average 6 Month Premium is $124. AutoOwners is the most expensive at $67 for the same period.

Cheapest Liability Coverage in Rutherford, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$124	$21
Auto-Owners Insurance Co	$130	$22
Erie	$165	$28
American National P&C	$171	$29
Chubb	$181	$30
Travelers	$191	$32
USAA	$227	$38
State Farm	$238	$40
Nationwide	$305	$51
Progressive	$346	$58
Allstate	$465	$78
Auto-Owners	$67	$11

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 AutoOwners Insurance Co at $53 per month and $320 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rutherford, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$320	$53
American National P&C	$445	$76
Westfield	$532	$89
Travelers	$573	$97
Erie	$698	$117
Nationwide	$812	$137
State Farm	$827	$139
Allstate	$920	$155
USAA	$977	$164
Progressive	$1215	$204
Auto-Owners	$331	$57
Encompass	$847	$141

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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, PA increasing?

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

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Cheapest Car Insurance Rates for Teen Drivers in Rutherford,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rutherford at $22 per month. At $3793 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
Auto-Owners Insurance Co	$150	$25
American National P&C	$197	$33
Chubb	$217	$37
Erie	$889	$150
Travelers	$1023	$172
State Farm	$1473	$248
USAA	$1721	$292
Allstate	$2243	$374
Progressive	$2248	$382
Nationwide	$3793	$632

Teen Car Insurance Rates in PA by Age

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, Westfield is the cheapest car insurance provider. At $202 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 $4124 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$202	$34
Auto-Owners Insurance Co	$207	$35
Chubb	$243	$41
American National P&C	$274	$47
USAA	$884	$147
Nationwide	$920	$155
Erie	$1612	$269
Allstate	$1943	$331
Travelers	$2118	$353
Progressive	$2367	$403
State Farm	$4124	$687

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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, PA, 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 Westfield and AutoOwners Insurance Co, offering $181 and $207, respectively. Donegal is an expensive provider with an average six-month premium of $202.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
Auto-Owners Insurance Co	$207	$35
Chubb	$243	$41
American National P&C	$248	$42
Erie	$413	$70
State Farm	$480	$81
Travelers	$573	$97
USAA	$744	$125
Nationwide	$1142	$194
Allstate	$1178	$197
Progressive	$1395	$238
Auto-Owners	$67	$11
Donegal	$202	$34

Rutherford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rutherford PA. For example, the car insurance in Rutherford after a DUI increases to $868 for a six month policy. While the rate increases by $956 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	$956	$159
Cell phone violation	$1116	$190
Failure to wear a seat belt	$1116	$186
Failure to stop at a red light	$1127	$191
Illegal turn	$1127	$188
Improper passing	$1127	$191
Speeding in school zone	$1127	$188
Texting while driving	$1127	$191
Driving with expired registration	$1132	$189
Speeding 16 - 20 MPH over limit	$1132	$192
Wrong way/wrong lane	$1142	$191
Open container	$1209	$205
Reckless driving	$1763	$294
Racing	$1793	$305
DUI	$1824	$304
Driving with a suspended license	$1835	$312
Leaving scene of an accident/hit and run	$1850	$308

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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 American National P&C at $279 for a six-month policy. However, it can be as expensive as $2403 with companies like Nationwide.

Rutherford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$279	$46
Travelers	$599	$101
Erie	$749	$126
Allstate	$832	$140
Progressive	$909	$153
State Farm	$1060	$178
USAA	$1065	$179
Nationwide	$2403	$405

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 Westfield at $109. However, it can be as expensive as $1675 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Rutherford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$109	$18
Auto-Owners Insurance Co	$139	$23
Erie	$480	$81
State Farm	$615	$104
Travelers	$666	$112
USAA	$987	$164
Allstate	$1178	$200
Progressive	$1416	$236
Nationwide	$1675	$284

Car Insurance Price Trends in Rutherford, Pennsylvania

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 $159 in January compared to $147 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Rutherford rose to $39 in January, compared to $33 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 $21 per month, which is lower than the national average.

What is the cheapest car insurance in Rutherford?

The cheapest car insurance in Rutherford is $53 per month for full coverage.

How much is car insurance in Rutherford for teenagers?

Car insurance for teenagers costs $130 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 $813 for a six-month policy. It will cost around $118 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 Pennsylvania

National Average

Cheapest Car Insurance Companies in Rutherford

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Rutherford Car Insurance Rates by Company

Cheap Car Insurance Companies in Rutherford, PA

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, PA

Cheapest Full Coverage Car Insurance in Rutherford

Cheapest Full Coverage Car Insurance Quotes in Rutherford, PA

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, PA 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,PA

If you are in your twenties N/A 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, Pennsylvania

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, PA

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

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