Finding cheap auto insurance for a Nissan Rogue can be pretty simple, but it depends on an enormous amount of rating factors such as your gender, whether or not you have prior claims, and driving citations. California drivers pay around $1,292 annually for Rogue insurance, but that is a projection calculated based on a 30-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
Odds are that you're not a 30-year-old female, possibly married instead of single, and you may just want the cheapest liability coverage you can find. Having what appears to be a very minor change in rating criteria can result in a big discrepancy in how much insurance for a Nissan Rogue costs.
This shows why the best way to find the most affordable coverage for your Nissan is to do your own rate comparisons.
The trim level of your Nissan has an effect on the insurance rate, so the price to insure a Rogue S 2WD will be $78 less than the cost to insure the more well-appointed Rogue SL AWD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$234||$446||$674||$40||$202||$1,596||$133|
|Rogue S AWD||$234||$446||$674||$40||$202||$1,596||$133|
|Rogue SL 2WD||$234||$446||$674||$40||$202||$1,596||$133|
|Rogue SL AWD||$234||$524||$674||$40||$202||$1,674||$140|
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in specific California garaging location which can revise prices significantly.
Establishing which insurers offer the cheapest car insurance rates for a Nissan Rogue in California takes a bit more effort than just quoting one company's rates. Each insurance company has a different formula to set their prices, so we need to take a look at the overall cheapest car insurance companies in California.
Find the Cheapest Auto Insurance for Your Nissan
|Rank||Company||Cost Per Year|
|Quote Your Rates Go|
USAA may have some of the cheapest car insurance rates in California at around $1,143 each year. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the lowest-priced California insurance companies.
As shown in the table above, if you are a customer of Century National and switched to Wawanesa, you could realize an annual premium reduction of roughly $80. Insureds with Nationwide might save as much as $117 a year, and 21st Century policyholders might lower prices by up to $179 a year.
Bear in mind that those policy prices are averages across all drivers and vehicles and and are not figured with a specific rate value for a Nissan Rogue. So the auto insurance company that has the cheapest rates for you may not even be in the top 24 companies shown above. That helps illustrate why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Discount California insurance rates
Insurers that sell policies for a Nissan Rogue may additionally offer rate discounts that can reduce rates by as much as 30% if you can meet the requirements. A list of companies and a selection of discounts can be read below.
- State Farm may have discounts that include multiple policy, multiple autos, good student, Drive Safe & Save, Steer Clear safe driver discount, student away at school, and safe vehicle.
- Progressive policyholders can earn discounts including online signing, multi-vehicle, continuous coverage, multi-policy, and online quote discount.
- Progressive offers discounts including continuous coverage, good student, multi-policy, online quote discount, multi-vehicle, and online signing.
- MetLife may include discounts for good student, good driver, defensive driver, claim-free, and accident-free.
- Farm Bureau offers discounts for driver training, renewal discount, good student, 55 and retired, and multi-policy.
- GEICO may offer discounts for military active duty, anti-theft, anti-lock brakes, federal employee, and membership and employees.
- SAFECO discounts include anti-theft, bundle discounts, teen safe driver, accident prevention training, and multi-car.
The example below compares car insurance costs with and without discounts. The information is based on a female driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, multiple vehicle, claim-free, anti-theft, passive restraint, and marriage discounts applied. When drivers take advantage of discounts, the the amount saved on car insurance for a Nissan Rogue is 28% or $769.
Insurance rate increases from tickets or accidents
The common sense way to receive good car insurance prices for a Rogue is to pay attention while driving and avoid accidents and traffic violations. The diagram below demonstrates how citations and accident claims increase yearly insurance costs for each age group. The premium estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
In the previous example, the average cost of car insurance per year with a clean driving record and no accidents is $3,157. Add in one speeding ticket and the average cost increases to $3,559, an increase of $401 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for a Nissan Rogue in California goes up to an average of $4,690. That's an increase of $1,532, or $128 per month, just for not driving attentively!
Tips for buying cheaper insurance for a Nissan Rogue in California
The list below summarizes some of the recommended penny-pinching ideas that can help California drivers buy more affordable auto insurance.
- Do not get into accidents that are your fault
- Do not get tickets or violations
- Assess whether full coverage is needed
- Pay lower rates with good credit
- Higher comprehensive and collision coverage deductibles will save money
- Vehicles with safetly features generally cost less to insure
- Compare rates often to find the best deal
The last idea is extremely crucial, as we pointed out in the prior article. Rates vary considerably, so drivers shouldn't hesitate to buy from a new company if you can save money. We understand brand loyalty, but is isn't recommended if that stubbornness costs you a lot of money. If you have a few minutes, compare rates and find cheaper car insurance for a Nissan Rogue.