Finding the best cheap car insurance for a Nissan Rogue is dependent upon many different factors such as your birth date, your address, and whether or not you are a good driver. Drivers pay on average $1,183 per year to insure their Rogue, but that price is an estimation using a 50-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
It’s more than likely you are not 50 and maybe not even a female, maybe you are married instead of single, or maybe you have a speeding ticket or two that will increase rates. This example demonstrates why the best way to find cheap car insurance rates for your Nissan is to compare as many rates as possible. Do a quick rate comparison now and you will receive prices from some of the best companies that insure Nissan vehicles in California.
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The trim level of your Rogue has an effect on the insurance rate, so the rate you pay to insure a Rogue S 2WD trim level will be $82 cheaper than the insurance cost for the higher-priced Rogue SL AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$238||$454||$564||$34||$168||$1,458||$122|
|Rogue S AWD||$238||$454||$564||$34||$168||$1,458||$122|
|Rogue SL 2WD||$238||$454||$564||$34||$168||$1,458||$122|
|Rogue SL AWD||$238||$536||$564||$34||$168||$1,540||$128|
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Cost estimates assume single female driver age 50, 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. Rate information does not factor in garaging location in San Diego which can influence insurance rates greatly.
Buying coverage from the best insurance company is hard considering how many different companies sell coverage in California. The company rank data displayed below can help you decide which providers you want to consider comparing price quotes from. These ratings include the largest auto insurers in America, so smaller companies that only insure vehicles in California will not be included in the list.
Top 10 Large Car Insurance Companies in San Diego Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Car Insurance Companies in San Diego Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Difference between liability only and full coverage rates
Reducing the cost of auto insurance is probably important to the majority of vehicle owners, and one of the quickest ways to buy cheaper insurance for a Nissan Rogue is to buy only liability coverage. The chart below illustrates the difference between premium costs with and without physical damage coverage. The data is based on no tickets, no at-fault accidents, $500 deductibles, single status, and no discounts are taken into consideration.
If the expense is averaged for all age categories, comp and collision coverage costs an additional $2,618 per year more than just insuring for liability. Many drivers will wonder if buying full coverage is a waste of money. There is no set rule of when to eliminate full coverage, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your vehicle’s settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
How to get discounts on San Diego auto insurance
Car insurance companies that offer quotes for a Nissan Rogue could also offer price discounts that could reduce prices by as much as 30% if you meet specific eligibility requirements. The best auto insurance companies and some of the discounts can be read below.
- GEICO offers discounts for emergency military deployment, military active duty, defensive driver, anti-theft, good student, five-year accident-free, and seat belt use.
- Travelers policyholders can earn discounts including home ownership, hybrid/electric vehicle, driver training, save driver, and early quote.
- Farm Bureau offers premium reductions for driver training, 55 and retired, youthful driver, multi-vehicle, and good student.
- Liberty Mutual includes discounts for hybrid vehicle, preferred payment discount, teen driver discount, good student, newly retired, and multi-car.
- American Family may have discounts that include Steer into Savings, bundled insurance, good student, early bird, and mySafetyValet.
- Progressive may offer discounts for multi-policy, homeowner, online signing, good student, continuous coverage, multi-vehicle, and online quote discount.
The example below shows the comparison of insurance rates with and without discounts applied. The rate quotes are based on a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, marriage, accident-free, multiple vehicle, and vehicle safety discounts applied. When these discounts are applied, the average savings per year on auto insurance for a Nissan Rogue is 28% or $833.
How careless driving impacts San Diego auto insurance rates
The easiest method to get low auto insurance rates in San Diego for a Rogue is to pay attention while driving and avoid accidents and traffic violations. The information below highlights how traffic violations and at-fault accidents can impact car insurance costs for different age groups. The premiums are based on a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of car insurance in California per year with a clean driving record and no accidents is $2,935. Get written up for two speeding tickets and the average cost rises to $3,944, an increase of $1,009 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Nissan Rogue goes up to an average of $7,702. That’s an increase of $4,767, or $397 per month, just for not being attentive to the road!
The agents below can help you make a decision which auto insurance coverages would be the best in your situation, since some people have coverage questions and would like to get some guidance when shopping for the best coverage for a Rogue. It can be hard to find the cheapest car insurance policy, and getting professional guidance from a licensed agent can add comfort knowing your coverage gives you suitable coverage if you have an accident. To find an auto insurance agency close to where you live, click the button following the list or click here to compare price quotes now.
Bob Francy III – State Farm Insurance Agent
11885 Carmel Mountain Rd #905 – San Diego, CA 92128 – (858) 451-1915
Allstate Insurance: Jing Zeng Financial and Insurance Service
7323 Convoy Ct # B111 – San Diego, CA 92111 – (858) 268-7010
Springbrook Insurance Agency
10650 Treena St #105 – San Diego, CA 92131 – (858) 391-3001 ext. 105