Buying competitive insurance for a Nissan Rogue is pretty easy for most people to do, but it depends on many rating factors such as annual vehicle mileage, if you have recent claims, and any past driving violations you may have had. California drivers pay on average $1,024 each year to insure their Rogue, but that cost is an approximation calculated using a 50-year-old married male driver with full physical damage coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a male, possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. Even a slight difference in rating criteria or coverage limits could end up with a large change in the policy cost.
Auto insurance is unique to each driver, so the best way to find the most affordable coverage for your Nissan is to do your own rate comparisons.
Your Nissan’s trim level can impact the coverage cost, so the price you pay to insure a Rogue S 2WD trim level will be $70 lower than the price to insure the more well-appointed Rogue SL AWD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $216 | $394 | $480 | $28 | $144 | $1,262 | $105 |
| Rogue S AWD | $216 | $394 | $480 | $28 | $144 | $1,262 | $105 |
| Rogue SL 2WD | $216 | $394 | $480 | $28 | $144 | $1,262 | $105 |
| Rogue SL AWD | $216 | $464 | $480 | $28 | $144 | $1,332 | $111 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in vehicle garaging location which can revise coverage prices considerably.
Buying coverage from the top auto insurance provider can be challenging considering how many companies sell insurance in Fresno. The ranking data listed below could help you analyze which providers to look at when comparing rate quotes.
These rankings are only comprised of companies that write coverage in many states, so companies that focus mainly on California business are not taken into consideration for these rankings. To check rates from the most competitive companies in California, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The illustration below demonstrates how deductible levels can influence yearly insurance costs when getting quotes for cheap insurance for a Nissan Rogue. The costs are based on a single male driver, full coverage, and no discounts are applied to the premium.
The chart above illustrates that a 40-year-old driver could reduce rates by $492 a year by changing from a $100 deductible to a $500 deductible, or save $738 by switching to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could drop their prices as much as $1,640 or even more by using a higher deductible.
When increasing deductibles, it will now be necessary to have enough savings to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.
How to get discounts on Fresno insurance rates
Insurance companies that offer quotes for a Nissan Rogue may have special discounts that could reduce prices by as much as 35% if you are eligible. A list of insurance companies and a selection of discounts can be found below.
- State Farm offers discounts including anti-theft, multiple autos, Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, good driver, and student away at school.
- GEICO includes discounts for good student, federal employee, multi-policy, military active duty, and membership and employees.
- SAFECO may offer discounts for teen safety rewards, homeowner, teen safe driver, multi-car, anti-theft, safe driver, and drive less.
- Farmers Insurance policyholders can earn discounts including alternative fuel, teen driver, pay in full, multi-car, and youthful driver.
- AAA may have discounts that include multi-policy, good driver, pay-in-full, multi-car, anti-theft, and AAA membership discount.
- USAA offers premium reductions for vehicle storage, good student, new vehicle, safe driver, driver training, family discount, and multi-vehicle.
The diagram below illustrates the comparison of auto insurance rates with and without discounts applied to the premium. The data assumes a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple policy, passive restraint, claim-free, marriage, vehicle safety, and defensive driving course discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Nissan Rogue is 28% or $944.
Tips for finding cheaper insurance for a Nissan Rogue
Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help you find cheaper auto insurance.
- If possible, pay for small claims out-of-pocket
- Do not get into accidents
- Save money by insuring older vehicles for liability only
- Bundle home or renters insurance to earn a discount on car insurance
- Do not get tickets
- Buy vehicles with good safety ratings
- Comparison shop at least once a year
That last piece of advice is incredibly crucial, as was emphasized in this article. Prices charged by car insurance companies can be adjusted at any time, so you should be ready to buy a different policy if a lower-cost policy is available. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that loyalty ends up costing thousands of dollars over the life of your policy. It takes less than five minutes to shop around and find cheaper car insurance for a Nissan Rogue in Fresno.