Finding affordable auto insurance for a Nissan Rogue relies on a lot of rating criteria such as how you use your Rogue, your profession, and any prior driving citations you have received. Drivers will pay on average $1,149 annually to insure their Rogue, but that figure is an estimate based upon a 30-year-old married female driver with full physical damage coverage and $500 deductibles.
But there is a high likelihood that you are not 30 years old and maybe not even female, maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. Even a slight difference in the factors used in pricing a policy may result in a big change in the coverage rate.
Car insurance coverage is unique to each driver, so this is why the way we recommend to find the cheapest insurance price for your Nissan is to compare as many rates as you can. Comparing quotes is easy and you will receive price comparisons from some of the most affordable companies that sell coverage in California.
Your vehicle’s trim level will likely have an effect on the cost of coverage, so the price you will pay to insure a Rogue S 2WD will cost $82 less than the cost to insure the more costly Rogue SL AWD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $270 | $454 | $510 | $30 | $152 | $1,416 | $118 |
| Rogue S AWD | $270 | $454 | $510 | $30 | $152 | $1,416 | $118 |
| Rogue SL 2WD | $270 | $454 | $510 | $30 | $152 | $1,416 | $118 |
| Rogue SL AWD | $270 | $536 | $510 | $30 | $152 | $1,498 | $125 |
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can impact price quotes significantly.
Insuring your vehicle with a highly-rated auto insurance provider is hard considering how many companies are available to choose from in Sacramento. The ranking information shown below can help you analyze which providers you want to consider when comparing rate quotes.
These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in California or surrounding areas are not factored into the list. To get price quotes from the most competitive companies in California, just 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 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Comparison of full coverage and liability-only policies
Finding the cheapest auto insurance should be important to the majority of vehicle owners, and one easy way to pay less for insurance for a Nissan Rogue is to buy liability only. The chart below compares insurance costs with full coverage compared to only the California minimum liability coverage. The information is based on no violations or accidents, $100 deductibles, single marital status, and no discounts are factored in.
On average, physical damage insurance costs an additional $3,157 per year more than just insuring for liability. Lot’s of drivers question when is it safe to stop buying full coverage. There is no clear-cut formula to stop buying physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
Types of discounts on Sacramento car insurance rates
Insurance providers that offer quotes for a Nissan Rogue may additionally offer special discounts that can reduce rates by 30% or more if you can meet the requirements. The best auto insurance companies and some of their more popular discounts are shown below.
- GEICO offers discounts for air bags, membership and employees, anti-theft, good student, federal employee, emergency military deployment, and five-year accident-free.
- MetLife has discounts for accident-free, defensive driver, claim-free, good driver, good student, multi-policy
- Progressive offers discounts including online signing, multi-vehicle, multi-policy, online quote discount, continuous coverage, homeowner, and good student.
- Travelers has savings for driver training, early quote, payment discounts, multi-policy, and student away at school.
- SAFECO discounts include accident prevention training, bundle discounts, anti-theft, safe driver, and multi-car.
- AAA may have discounts that include AAA membership discount, good driver, anti-theft, good student, and multi-car.
The diagram below shows the difference between premium costs with and without some available policy discounts. The rates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, claim-free, anti-theft, safe-driver, multiple policy, and multiple vehicle discounts applied. When taking advantage of discounts, theamount saved on auto insurance for a Nissan Rogue is 28% or $944.
The illustration below highlights how deductible choice can influence insurance premiums when trying to find cheap insurance for a Nissan Rogue. The price estimates are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 30-year-old driver could pocket $408 a year by switching from a $100 deductible up to a $500 deductible, or save $618 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could possibly save up to $1,230 or more just by choosing higher deductibles.
If you do make the decision to raise your deductibles, it will be important to have enough funds in savings to enable you to cover the extra out-of-pocket expense associated with higher deductibles.
If you have coverage questions and would like to get help from a professional when shopping around for cheaper insurance for a Rogue, the insurance agencies listed below are willing to answer your questions and help you decide which coverages are best.
To locate a Sacramento insurance agent by location nearest to you, click the button at the bottom or click here to get price quotes now.
- Schmoekel Insurance Inc
7558 Stockton Blvd – Sacramento, CA 95823 – (916) 753-1480 - Leland Insurance Agency
910 Florin Rd # 108 – Sacramento, CA 95831 – (916) 428-1309 - Nationwide Insurance: Rielli Insurance and Financial Services LLC
7 Parkcenter Dr #125 – Sacramento, CA 95825 – (916) 234-1490