Finding economical auto insurance for a Nissan Rogue is usually pretty straightforward, but it hinges on a very complex rating algorithm that uses multiple factors such as how many miles you drive each year, whether or not you have prior claims, and blemishes on your driving record. Drivers will pay on average $1,026 per year for Rogue insurance, but that amount is an estimation calculated using a 30-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
There is a good probability you aren’t exactly 30 years old or even a female, you might be single instead of married, or maybe you are just looking for cheap liability insurance. Having just a slight change in the factors used in pricing a policy can result in a massive change in the coverage rate.
The different assumptions illustrate why the only real way to find the most affordable coverage for your Nissan is to compare as many rates as you can. Quotes only take a few minutes and you will be able to compare rates from some of the best insurers around.
The specific model of Rogue tends to have a direct impact on the coverage cost, so the price you pay to insure a Rogue S 2WD trim level will cost $80 less than the insurance cost for the more well-appointed Rogue SL AWD version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $264 | $448 | $404 | $24 | $122 | $1,262 | $105 |
| Rogue S AWD | $264 | $448 | $404 | $24 | $122 | $1,262 | $105 |
| Rogue SL 2WD | $264 | $448 | $404 | $24 | $122 | $1,262 | $105 |
| Rogue SL AWD | $264 | $528 | $404 | $24 | $122 | $1,342 | $112 |
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can raise or lower rates noticeably.
Selecting a high-quality company can be difficult considering how many choices there are in Colorado. The ranking data shown next can help you analyze which companies you want to consider when shopping insurance around for a Nissan Rogue. These ratings only include the largest auto insurers in America, so companies that have a smaller presence are not included in this list.
| 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 |
| 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 |
| 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Colorado Springs insurance
Insurers that sell policies for a Nissan Rogue may also offer policy discounts that could potentially reduce rates by 40% or more if you meet certain criteria. Companies and their offered discounts are outlined below.
- American Family has savings for mySafetyValet, air bags, good driver, bundled insurance, accident-free, and Steer into Savings.
- State Farm includes discounts for Steer Clear safe driver discount, multiple policy, passive restraint, defensive driving training, student away at school, Drive Safe & Save, and multiple autos.
- 21st Century offers discounts for homeowners, early bird, theft prevention, teen driver, automatic seat belts, and driver training.
- Travelers may have discounts that include new car, good student, multi-policy, IntelliDrive, and early quote.
- GEICO offers discounts including emergency military deployment, multi-policy, anti-theft, daytime running lights, seat belt use, five-year accident-free, and federal employee.
The chart below compares auto insurance rates with and without discounts applied to the premium. The premiums are based on a female driver, a clean driving record, no claims, Colorado state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, vehicle safety, multiple policy, marriage, defensive driving course, and multiple vehicle discounts applied. In this example, theaverage amount saved on car insurance for a Nissan Rogue is 28% or $664.
Violations and accidents raise rates
The best way to find the cheapest car insurance prices for a Rogue is to drive cautiously and avoid tickets and accidents. The example below shows how violations and at-fault accidents can influence insurance premiums for different ages of insureds. The premiums assume a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
In the previous example, the average cost of car insurance per year with no violations or accidents is $2,087. Receive one speeding ticket and the average cost increases to $2,354, an increase of $267 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of car insurance for a Nissan Rogue goes up to an average of $4,813. That’s an increase of $2,726, or $227 per month, just for not maintaining a clean driving record!
The example below shows how choosing a deductible can influence yearly insurance costs when quoting cheap insurance for a Nissan Rogue. The premiums assume a single female driver, full physical damage coverage, and no discounts are taken into consideration.
As shown above, a 40-year-old driver could cut expenses by $334 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $502 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old category, could possibly save up to $846 or even more by choosing larger deductibles on their policy.
If you do decide to increase your deductibles, it will be important to have spare funds to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
If you have questions and prefer to get help from a professional when shopping for the best coverage for a Rogue, the insurance agencies below can probably answer your questions and help you decide which coverage fits your budget.
To find a Colorado Springs insurance agency close to you, click the button below the list.
Tom Harbert – State Farm Insurance Agent
8027 Academy Blvd N – Colorado Springs, CO 80920 – (719) 594-4500
Mary Beth Stiltner Insurance Agency
1880 Dublin Blvd # C – Colorado Springs, CO 80918 – (719) 528-1555
Pikes Peak Insurance Agency
2306 N Powers Blvd #120 – Colorado Springs, CO 80915 – (719) 591-4500
John Hall – State Farm Insurance Agent
1614 Academy Blvd N b – Colorado Springs, CO 80909 – (719) 596-1414
Kelly Muse – State Farm Insurance Agent
1635 W Uintah St D – Colorado Springs, CO 80904 – (719) 329-1818