Buying cheap insurance for a Nissan Rogue is pretty easy for most people to do, but it depends on a complicated formula that considers factors such as whether you are single or married, if you have recent claims, and driving citations. Drivers in Arizona pay on average $687 a year for Rogue insurance, but that cost is calculated using a 30-year-old married female driver with full coverage and $1,000 deductibles.
This brings up the issue that more than likely you’re not a 30-year-old female, single instead of married, or you just prefer to insure for liability only. Having even a minor difference in rating criteria may result in significant differences in the amount insurance costs for a Nissan Rogue.
This demonstrates why the best method for finding the cheapest rates for your Nissan is to compare as many rates as you can.
Your vehicle’s trim level tends to have a direct effect on the yearly cost, so the cost to insure a Rogue S 2WD will cost $44 less than the insurance cost for the higher-priced Rogue SL AWD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $138 | $240 | $346 | $20 | $104 | $848 | $71 |
| Rogue S AWD | $138 | $240 | $346 | $20 | $104 | $848 | $71 |
| Rogue SL 2WD | $138 | $240 | $346 | $20 | $104 | $848 | $71 |
| Rogue SL AWD | $138 | $284 | $346 | $20 | $104 | $892 | $74 |
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in zip code location which can lower or raise prices significantly.
Buying reasonably-priced car insurance is difficult, and figuring out which companies offer the best insurance rates for a Nissan Rogue takes even more rate comparisons. Each auto insurer has their own process to determine premium rates, so we’ll take a look at the insurance companies with the most affordable rates in Phoenix.
Keep in mind that Phoenix, AZ insurance rates are influenced by many factors that can increase the cost of coverage. Simply having a birthday, increasing liability limits, or getting a reckless driving citation can produce rate changes resulting in some rates now being cheaper than competitors.
Lowest Insurance Price Quotes for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,091 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,152 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,197 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,323 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,378 |
| 16 | Amica | $1,443 |
| 17 | Titan | $1,476 |
| 18 | American Family | $1,478 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,568 |
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The Hartford offers some of the cheapest car insurance rates in Phoenix at around $836 per year. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the more affordable Phoenix, AZ auto insurance companies.
As depicted above, if you currently have a policy with USAA and switched to Auto-Owners, you could realize a yearly price reduction of roughly $203. Customers with GEICO may save as much as $254 a year, and Progressive insureds might cut rates by $264 a year.
To see how much you can save, click here to get quotes or visit several of the following companies.
These rates are averaged for all drivers and vehicles and do not factor in an exact zip code location for a Nissan Rogue. So the car insurance company that is most affordable for your situation may not even be in the list above. That underscores the importance of why you need to get rate quotes using your own personalized driver profile and vehicle information.
How violations and accidents impact rates
The easiest way to enjoy the most affordable insurance premiums in Phoenix for a Rogue is to drive cautiously and avoid accidents and violations. The chart below highlights how traffic violations and accident claims influence insurance rates for different categories of driver ages. The premiums assume a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of car insurance in Phoenix per year with no accidents or violations is $1,358. Receive one speeding ticket and the average cost hikes up to $1,565, an increase of $207 each year. Now add in one accident along with the one speeding ticket and the annual cost of insurance for a Nissan Rogue increases to an average of $2,134. That’s an increase of $776, or $65 per month, just for being a less-than-perfect driver!
Liability only or full coverage
Reducing the cost of insurance is the goal of the majority of vehicle owners, and one of the easiest ways to lower the cost of insurance for a Nissan Rogue is to only buy liability coverage. The information below visualizes the comparison of car insurance rates when comparing full coverage to liability only. The information is based on no accidents, no driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.
As an average, physical damage insurance costs $2,305 per year over liability only. At some point, about every driver wonders if you should buy full coverage. There is no clear-cut formula of when to exclude full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
There are some situations where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Discounts on Phoenix auto insurance
Insurance providers that offer coverage for a Nissan Rogue may additionally offer price discounts that could reduce prices by as much as 35% or more if you qualify for them. A list of companies and a summarized list of policyholder discounts are shown below.
- State Farm has discounts for driver’s education, anti-theft, multiple autos, passive restraint, multiple policy, good driver, and Steer Clear safe driver discount.
- American Family has savings for Steer into Savings, good driver, TimeAway discount, air bags, and good student.
- GEICO includes discounts for emergency military deployment, military active duty, air bags, seat belt use, and driver training.
- 21st Century offers discounts for automatic seat belts, student driver, 55 and older, driver training, and air bags.
- Progressive discounts include multi-vehicle, homeowner, online signing, continuous coverage, multi-policy, good student, and online quote discount.
The diagram below shows the difference between auto insurance rates with and without discounts being applied to the rates. The information is based on a male driver, no claims or violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, marriage, vehicle safety, accident-free, defensive driving course, and homeowner discounts applied. In this example, the average amount saved each year on insurance for a Nissan Rogue is 28% or $597.