Nissan Rogue insurance policy image courtesy of QuoteInspector.com
Finding cheap auto insurance for a Nissan Rogue hinges on a large number of factors such as whether you own a home, whether or not you have prior claims, and if you have tickets or violations. Drivers in California will pay around $1,119 each year for Rogue insurance, but that amount is an estimation using a 50-year-old married female driver with full coverage and $250 deductibles.
There's a high likelihood you are not 50 years old and maybe not even female, possibly single instead of married, or maybe you have a speeding ticket or two that will increase rates. Having what appears to be a very minor change in rating criteria may result in a big change in the price of coverage.
This example demonstrates why the only way to find cheap insurance rates for your Nissan is to just compare rates yourself. Quotes are always free and you can get rates from the cheapest companies that offer coverage in California.
The specific trim level impacts price, so the price you pay to insure a Rogue S 2WD model will be $84 less than the insurance cost for the more well-appointed Rogue SL AWD trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $262 | $478 | $470 | $28 | $140 | $1,378 | $115 |
| Rogue S AWD | $262 | $478 | $470 | $28 | $140 | $1,378 | $115 |
| Rogue SL 2WD | $262 | $478 | $470 | $28 | $140 | $1,378 | $115 |
| Rogue SL AWD | $262 | $562 | $470 | $28 | $140 | $1,462 | $122 |
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in garaging location in Stockton which can influence prices noticeably.
Finding reliable, cheap car insurance is easier said than done, and deciding which company offers the best auto insurance rates for a Nissan Rogue involves a little more work.
Each insurance company has a proprietary formula for setting prices, so let's take a look at the auto insurance companies with the overall best prices in Stockton. Keep in mind that Stockton, CA auto insurance rates are impacted by many things which can substantially decrease or increase the price you pay. Simply turning a year older, buying a newer car, or getting a few speeding tickets can trigger changes in premium that can now make some companies cheaper than before.
Find Cheaper Car Insurance for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | CSAA | $1,186 |
| 3 | Century National | $1,190 |
| 4 | Wawanesa | $1,192 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,513 |
| 11 | Allied | $1,541 |
| 12 | Allstate | $1,543 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,946 |
| Find Your Rate Go | ||
USAA generally has some of the cheapest car insurance rates in Stockton at around $1,143 per year. CSAA, Century National, Wawanesa, and Nationwide also rank well as some of the most economical Stockton, CA auto insurance companies.
In the above example, if you are insured with Nationwide and switched to CSAA, you might realize an annual savings of about $27. Customers with 21st Century may save as much as $139 a year, and Grange policyholders might see rate reductions of $261 a year.
To discover how much you can save, click here to begin a quote or click several companies below for low rates.
These rates are averages across all drivers and vehicles in California and do not factor in an exact vehicle garaging location for a Nissan Rogue. So the auto insurance company that fits your age and vehicle best may not even be in the top 24 companies shown above. That points out the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
Full coverage rates vs. liability-only
Saving money when shopping for auto insurance is important to the majority of vehicle owners, and one common way to find cheaper insurance for a Nissan Rogue is to not buy comprehensive and collision coverage. The diagram below shows the difference between auto insurance costs with and without physical damage coverage. The prices are based on no accidents, no driving violations, $500 deductibles, single status, and no discounts are factored in.
If averaged out across all ages, comprehensive and collision coverage on your policy costs $2,618 per year more than insuring for liability only. Lot's of drivers question if paying for full coverage is a waste of money. There isn't a written rule that is best for determining when to drop comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let's say your vehicle's claim settlement value is $4,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,500 after paying the physical damage deductible. If premium cost is more than $350 a year for physical damage coverage, then you might want to think about dropping full coverage.
There are a few situations where only buying liability is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Get discounts on Stockton insurance
Auto insurance companies that provide policies for a Nissan Rogue could also offer discounts that can reduce rates by 30% or more if you qualify for them. A few of the larger companies and some of their more popular discounts can be read below.
- Mercury Insurance has savings for ease of repair, good driver, age of vehicle, professional/association, anti-theft, accident-free, and location of vehicle.
- Farmers Insurance may offer discounts for early shopping, good student, multi-car, bundle discounts, homeowner, youthful driver, and electronic funds transfer.
- Farm Bureau offers premium reductions for good student, renewal discount, driver training, 55 and retired, youthful driver, multi-policy, and safe driver.
- State Farm offers discounts including Steer Clear safe driver discount, multiple policy, good driver, student away at school, accident-free, passive restraint, and good student.
- Allstate has discounts for EZ pay plan discount, auto/life discount, resident student, premier plus, good student, early signing, and defensive driver.
- GEICO includes discounts for multi-vehicle, air bags, anti-theft, seat belt use, driver training, good student, and military active duty.
The example below compares premium costs with and without some available policy discounts. The premium estimates are based on a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, multiple vehicle, vehicle safety, claim-free, passive restraint, and homeowner discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on auto insurance for a Nissan Rogue is 28% or $893.
How to find the cheapest car insurance for a Nissan Rogue
The list below details a few penny-pinching ideas that can help California drivers locate cheap car insurance.
- Drive vehicles with five-star safety ratings
- Keep your driving record clean
- Having at-fault accidents will increase rates
- Higher physical damage deductibles lower rates
- Good credit can help you save money
- Compare rates often to find the best deal
The last tip is especially significant, as was affirmed in this write-up. Coverage prices in Stockton fluctuate constantly, so don't be unwilling to buy a policy from a new company if a better deal can be had.
We understand brand loyalty, but it's not a great idea if that loyalty results in overpaying big bucks every year. Take a couple minutes and shop around and find cheaper auto insurance for a Nissan Rogue.