Finding economical insurance for a Nissan Rogue is dependent upon a pretty complex algorithm that uses a lot of factors such as whether you are married or single, your residence address, and any prior driving offenses you have. Drivers pay on average $1,582 each year to insure their Rogue, but that cost is based upon a 40-year-old married female driver with full physical damage coverage and $1,000 deductibles.
Odds are that you are not 40 years old and maybe not even female, you might be single instead of married, or maybe your Rogue is old enough that it doesn’t require full coverage. Even a minor change in policy rating criteria or coverages can result in a massive change in the cost of insurance for a Nissan Rogue.
Auto insurance is not the same for everyone, so the only way to find cheap car insurance rates for your Nissan is to compare rates from as many companies as possible.
Find Cheaper Nissan Rogue Insurance
The specific trim level impacts the yearly cost, so the cost to insure a Rogue S 2WD model will be $100 cheaper than the price to insure the fancier Rogue SL AWD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $284 | $554 | $820 | $48 | $246 | $1,952 | $163 |
| Rogue S AWD | $284 | $554 | $820 | $48 | $246 | $1,952 | $163 |
| Rogue SL 2WD | $284 | $554 | $820 | $48 | $246 | $1,952 | $163 |
| Rogue SL AWD | $284 | $654 | $820 | $48 | $246 | $2,052 | $171 |
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can affect coverage rates greatly.
Selecting a high-quality auto insurance company is hard considering how many different companies sell coverage in Detroit. The rank data below may help you decide which car insurance providers you want to consider purchasing a policy from. These rankings are only made up of the largest auto insurers in America, so smaller companies are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
Full coverage versus liability only rates
Saving money when shopping for car insurance is important to the majority of drivers, and one good way to buy cheap insurance for a Nissan Rogue is to not insure for full coverage. The example below shows the difference between auto insurance costs with liability coverage only compared to full coverage. The costs are based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.
If we average the cost for all age groups, comprehensive and collision coverage on your policy costs an extra $4,820 per year over having just liability coverage. Lot’s of drivers question if it’s worth it to buy full coverage. There is no definitive formula of when to drop comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s pretend your vehicle’s claim settlement value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,500 after paying your policy deductible. If it’s costing you more than $350 a year to have full coverage, then it may be the right time to buy liability only.
The chart below illustrates how choosing a deductible can raise or lower insurance prices when researching cheap insurance for a Nissan Rogue. The rate quotes are based on a married male driver, full coverage, and no other discounts are factored in.
As shown above, a 40-year-old driver could pocket $648 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $978 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could potentially save as much as $2,186 or more by choosing a higher deductible. If you do decide to increase your deductibles, it is necessary to have enough savings set aside to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Tips to find more affordable auto insurance for a Nissan Rogue
The list below shows some of the recommended penny-pinching solutions that can help Michigan drivers buy low-cost coverage.
- Buy vehicles with five-star safety ratings
- Avoid price increases by not filing claims
- Buy your homeowners policy from the same company as your auto insurance
- Accidents can significantly increase rates
- Do not get traffic citations
- Compare rates regularly and switch companies to save money
The last suggestion is remarkably significant, as was stressed in this write-up. Insurance rates can change significantly in a year, so don’t be tentative to switch to a new company if you can find a cheaper rate.
Many drivers prefer to stick with one company, but it’s not a good idea if your bullheadedness ends up costing you a small fortune year after year. Now is a great time to compare rates and find cheaper auto insurance for a Nissan Rogue in Detroit.