Buying economical car insurance for a Nissan Rogue doesn’t take a ton of time, but it relies on a large number of factors such as your marital status, where your vehicle is garaged, and driving violations and tickets. Drivers pay on average $829 per year for Rogue insurance, but that is an estimate based upon a 30-year-old married male driver with full physical damage coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 30 years old and maybe not even male, maybe you are single instead of married, or maybe you have a speeding ticket that needs to be factored in. This shows why the best method for finding cheap insurance prices for your Nissan is to do a thorough rate comparison. Quotes are always free and you will be able to see rates from some of the best insurers that sell coverage in Virginia.
Your Nissan’s trim level will most likely have an effect on the yearly cost, so the price you will be charged to insure a Rogue S 2WD trim level will be $72 less than the cost to insure the more costly Rogue SL AWD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $222 | $400 | $290 | $18 | $88 | $1,018 | $85 |
| Rogue S AWD | $222 | $400 | $290 | $18 | $88 | $1,018 | $85 |
| Rogue SL 2WD | $222 | $400 | $290 | $18 | $88 | $1,018 | $85 |
| Rogue SL AWD | $222 | $472 | $290 | $18 | $88 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in vehicle location which can increase or decrease coverage prices significantly.
Deciding which company has the best car insurance rates for a Nissan Rogue will involve more time than just picking a company at random. Each insurance company uses a little different formula for determining rates, so let’s take a look at the most competitive car insurance companies in Virginia Beach, VA.
Find the Best Cheap Insurance for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $673 |
| 2 | USAA | $716 |
| 3 | Penn National | $748 |
| 4 | Cincinnati Insurance | $763 |
| 5 | Utica National | $781 |
| 6 | Auto-Owners | $788 |
| 7 | Virginia Farm Bureau | $802 |
| 8 | Erie | $804 |
| 9 | The Hartford | $809 |
| 10 | Donegal Mutual | $852 |
| 11 | Nationwide | $953 |
| 12 | Allied | $992 |
| 13 | GEICO | $996 |
| 14 | ALFA | $1,028 |
| 15 | National Grange Mutual | $1,060 |
| 16 | State Farm | $1,099 |
| 17 | Chubb | $1,134 |
| 18 | Electric | $1,228 |
| 19 | Amica | $1,229 |
| 20 | California Casualty | $1,239 |
| Get Personalized Rates Go | ||
Travelers quotes some of the most affordable car insurance rates in Virginia Beach at around $673 annually. This is $485 less than the average premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Utica National would also make the list of some of the best Virginia Beach, VA auto insurance companies.
As shown in the rates above, if you have coverage with Utica National and switched to USAA, you could see an annual savings of in the neighborhood of $65. Policyholders with Auto-Owners could save as much as $72 a year, and Virginia Farm Bureau insureds might lower prices by up to $86 a year.
To find out how much you can save, click here to get a free quote or feel free to get quotes from the companies below.
Remember that these rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact 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 helps illustrate why you need to compare as many prices as possible using your own specific driver information and vehicle.
The chart below shows how different deductible levels can affect insurance costs when trying to find cheap insurance for a Nissan Rogue. The rates are based on a married female driver, full coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could lower rates by $212 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $318 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old example, can cut up to $522 annually just by choosing larger deductibles.
If you make the decision to raise deductibles, it is a good idea to have plenty of money set aside to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Price comparison of only insuring for liability
Reducing premiums for car insurance should be important to the majority of vehicle owners, and one way to find cheaper insurance for a Nissan Rogue is to buy only liability coverage. The chart below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Virginia. The prices are based on no claims or driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.
Averaged out for all age groups, comp and collision coverage costs an additional $1,702 per year over and above liability only. Many drivers may wonder if you should buy full coverage at all. There is no exact formula to eliminate comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
How to find cheaper auto insurance for a Nissan Rogue
The list below shows some thrifty solutions that can help you find cheaper coverage.
- Clean up your credit
- Drop full coverage on older vehicles
- Raise your deductibles
- Drive a car with a high safety rating
- Drive attentively and avoid accidents
- Do not get traffic tickets
- Compare rate quotes often
The last tip is certainly valuable, as was pointed out in the prior article. Insurance prices change frequently, so don’t be hesitant to change insurance companies if a lower price can be found. Having a favorite company is great, but is isn’t recommended if it’s costing you potentially thousands of dollars a year. It only take a few minutes to compare prices to find cheaper auto insurance for a Nissan Rogue in Virginia Beach.
The insurance agencies listed below are willing to aid you in deciding which insurance coverage will be best for you, as some drivers have questions and prefer to have some advice when trying to find the best insurance rates for a Rogue. It can be time-consuming to find the best policy on your own, and getting advice from a licensed Virginia insurance agent can add peace of mind knowing you have sufficient coverage for your assets. To find a Virginia Beach insurance agent using an interactive map, click the button following the list or click here to compare price quotes.
- Frank Owens – State Farm Insurance Agent
1776 Laskin Rd #102 – Virginia Beach, VA 23454 – (757) 428-3101 - Bell Insurance Agency Corporation
1501 Cornwell Ln – Virginia Beach, VA 23454 – (757) 340-0028 - Rose Goheen – State Farm Insurance Agent
1112 Laskin Rd – Virginia Beach, VA 23451 – (757) 428-8002