Nissan Rogue Insurance

How You Can Save Money on Insurance by Owning a Nissan Rogue

A quick guide on finding the right coverage.

Nissan Rogue Insurance

The Nissan Rogue is a compact crossover SUV (or CUV) that offers a variety of features and amenities.  If you're the owner of a Nissan Rogue or are considering purchasing one, you know the importance of finding the proper car insurance to keep you protected on the road.

An independent insurance agent can help you find the best Rogue insurance at an affordable price. Independent agents can obtain quotes from multiple carriers, so you can shop around and make sure you are getting the best policy for your needs and budget. 

What Kind of Insurance Do You Need for Your Nissan Rogue?

Bodily injury liability: Bodily injury liability pays for the other person's medical care and lost wages if you cause an accident. Most states require a minimum amount of this coverage so it's an essential component of your liability policy. 

Property damage liability: Not having property damage liability means you're not complying with the mandated coverage you must have to operate a vehicle. As its name suggests, this coverage is designed to pay for repair or replacement to someone else's property if it's damaged in an accident that you cause.

Medical payments/Personal injury protection: In the event of a covered accident, medical payments insurance and personal injury protection pay medical bills for you and your passengers. With this type of coverage, you won't have to wait to find out who is to blame after an accident to get your medical bills paid. 

Uninsured motorist coverage: Uninsured and underinsured motorist coverage pays to fix or replace your Nissan Rogue if you are in a covered accident that's not your fault and the other driver doesn't have adequate insurance. Even though it's not required in all states, if you're in an accident with someone who doesn't have insurance, you'll be responsible for the damage to your vehicle out of pocket without this protection. 

Optional Coverage

Collision: Covered incidents include events like a rollover, an accident with a sidewalk or light pole, and colliding with other vehicles. Collision insurance coverage replaces or repairs your vehicle. Your agent can help you understand whether this is a good choice, considering the age and value of your car. 

Comprehensive: If you collide with a deer or other animal, or experience vehicle damage from falling objects, natural disasters, vandalism or theft, comprehensive insurance coverage will help pay for the necessary repairs.

If you have a lease or loan on your Rogue, the bank or dealership may require that you carry comprehensive and collision coverage until your the loan or lease is paid off. 

Glass coverage: Filing an insurance claim for a broken windshield isn't usually worth the deductible price you'll have to pay, but repairing a windshield can still be costly. With a zero-deductible glass coverage policy, you'll get a new windshield for a covered event without having to pay for it out of pocket. 

Gap insurance: Gap insurance helps bridge the "gap" between the total amount you owe on your Nissan Rogue and the insurance settlement if you are in an accident and your vehicle is a total loss. Without gap insurance, you'll have to pay the remainder of your loan or lease off on your own. 

What Affects the Cost of Insurance for Your Nissan Rogue?

Annual mileage 

Driving more than an average 10,000 to 15,000 miles each year will most likely result in higher premiums.

Your driving record 

Moving violations and at-fault accidents don't go hand-in-hand with affordable insurance. If you have violations on your record, expect to pay higher insurance rates than those with spotless driving records. 

The value of your vehicle 

It only make sense that the more expensive your vehicle the higher your insurance premium will be. If you're willing to purchase an older model Nissan Rogue, you could save several hundred dollars on insurance.

Average annual Nissan Rogue insurance rates by model year
2020 Nissan Rogue$1,412
2015 Nissan Rogue$1,364
2010 Nissan Rogue$1,194

Average Nissan Rogue Insurance Costs

An average 40-year-old Nissan Rogue driver pays $1,412 annually for full coverage auto insurance. A liability-only policy costs an average of just $494 per year. 

Your agent can help you fully understand how your coverage choices affect your premiums. 

The Safety of Your Nissan Rogue

The Insurance Institute for Highway Safety (IIHS) ranks vehicles for safety based on performance in a variety of tests that measure passenger injuries and vehicle damage. The IIHS awarded the 2020 Nissan Rogue the best possible marks in all crash tests. 

The Nissan Rogue also offers numerous safety features, which will help to keep your insurance rates low.

  • Dual front side-mounted airbags
  • Front and rear head airbags
  • Post-collision safety system
  • Stability and traction control
  • 4-wheel anti-lock brakes
  • Emergency braking assist

How Location Affects Your Nissan Rogue Insurance 

Your car insurance premiums may be higher or lower than average, depending on where you live. Average rates offer useful information, but your agent can give you a quote based on your specific attributes, including your location. 

Here's how average Nissan Rogue full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the next.

Rural areasSmall citiesLarge cities
$1,059$1,483$1,906

Average Cost to Insure a Nissan Rogue

Average annual cost to insure a Nissan Rogue with full coverage$1,412
Teens$5,334
High-risk drivers$3,054
High deductibles$1,228
Low deductibles$1,770
Top three most expensive states for Nissan Rogue insurance
Michigan, Louisiana, Kentucky $2,200
Top three most affordable states for Nissan Rogue insurance
North Carolina, Virginia, Maine$840

Top Independent Insurance Carriers That Insure the Nissan Rogue

According to a recent US Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers. 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Where to Find Car Insurance for Nissan Rogue

SUVs and CUVs like the Nissan Rogue are popular with families. The Rogue is a safe and economical vehicle that also has low insurance rates, making it a very affordable vehicle to own. Drivers of all kinds will appreciate the many safety features offered by the Rogue.

A TrustedChoice.com independent insurance agent can help you find quotes for Nissan Rogue insurance. This agent can obtain quotes from multiple, highly rated insurance companies, so you can find the policy that best fits your needs and budget. 

Start your search for a local independent agent now. 

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