Finding cheap coverage for a Nissan Rogue relies on a complex formula that considers things such as the safety rating for your Rogue, if you have a tendency to file claims, and violations on your driving record. Drivers pay approximately $703 annually for Rogue insurance, but that cost is an approximation calculated using a 50-year-old single female driver with full coverage and $1,000 deductibles.
This brings up the issue that more than likely you are not 50 and maybe not even a female, married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Just a minor difference in the factors used in pricing a policy could end up with a large change in the cost of insurance for a Nissan Rogue.
This illustrates why the only way to find the cheapest insurance price for your Nissan is to do your own rate comparisons. Do a quick rate comparison now and you will receive prices from the cheapest companies in Washington.
Your vehicle’s trim level has an effect on the yearly cost, so the cost to insure a Rogue S 2WD will be $42 less than the cost to insure the higher-priced Rogue SL AWD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $122 | $236 | $376 | $22 | $112 | $868 | $72 |
| Rogue S AWD | $122 | $236 | $376 | $22 | $112 | $868 | $72 |
| Rogue SL 2WD | $122 | $236 | $376 | $22 | $112 | $868 | $72 |
| Rogue SL AWD | $122 | $278 | $376 | $22 | $112 | $910 | $76 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in vehicle garaging location which can revise auto insurance rates greatly.
Determining which insurers offer the cheapest insurance rates for a Nissan Rogue involves a bit more effort in order to find coverage that fits your budget. Each insurance company uses their own formula to determine rates, so we will examine the most budget-friendly insurance companies in Seattle, WA.
Lowest Insurance Price Quotes for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $761 |
| 2 | Grange | $847 |
| 3 | PEMCO | $974 |
| 4 | Nationwide | $990 |
| 5 | Mutual Enumclaw | $1,034 |
| 6 | Travelers | $1,038 |
| 7 | The Hartford | $1,048 |
| 8 | USAA | $1,060 |
| 9 | California Casualty | $1,083 |
| 10 | Chubb | $1,094 |
| 11 | Allied | $1,098 |
| 12 | State Farm | $1,176 |
| 13 | Safeco | $1,192 |
| 14 | American Family | $1,208 |
| 15 | Amica | $1,219 |
| 16 | Liberty Mutual | $1,309 |
| 17 | Farmers | $1,369 |
| 18 | Progressive | $1,465 |
| 19 | National General | $1,540 |
| 20 | MetLife | $1,681 |
| Get Personalized Rates Go | ||
Capital normally has some of the lowest car insurance rates in Seattle at around $761 each year. This is $651 less than the average rate paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Mutual Enumclaw also are some of the cheaper Seattle, WA car insurance companies.
As shown in the table above, if you currently have coverage with PEMCO and switched to Capital, you might see savings of in the vicinity of $213. Insureds with Nationwide could save as much as $229 a year, and Mutual Enumclaw insureds might lower prices by up to $273 a year.
To find out how much you can save, click here to start a quote or click through to the companies below.
Bear in mind that those prices are averaged for all types of insureds and vehicles and are not factoring in an exact zip code location for a Nissan Rogue. So the company that can offer you the best rate may not even be in the top 25 companies shown above. That underscores the importance of why you need to get rate quotes using your own specific driver information and vehicle.
Insurance rates are higher with tickets and accidents
The obvious way to get low insurance prices in Washington for a Rogue is to drive carefully and not get tickets or have accidents. The chart below demonstrates how traffic citations and accident claims can increase insurance rates for different ages of insureds. The premium estimates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of auto insurance per year with no accidents and a clean driving record is $1,336. Get two speeding tickets and the average cost swells to $1,831, an increase of $495 each year. Now get one accident along with the two speeding tickets and the yearly cost of insurance for a Nissan Rogue jumps again to an average of $2,338. That’s an increase of $1,002, or $83 per month, just for a couple of infractions!
The information below shows how choosing a deductible can affect insurance prices when getting quotes for cheap insurance for a Nissan Rogue. The premiums assume a married male driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could lower rates by $246 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $370 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, could roll back prices $820 each year just by choosing larger deductibles.
If you do raise deductibles, it’s a good idea to have enough spare savings to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Discounts on Seattle auto insurance rates
Auto insurance companies that offer coverage for a Nissan Rogue may also give you rate discounts that could reduce prices by as much as 25% or more if you meet the requirements. The best insurance companies and the discounts they provide can be found below.
- State Farm policyholders can earn discounts including driver’s education, Drive Safe & Save, multiple autos, good driver, defensive driving training, and Steer Clear safe driver discount.
- American Family may have discounts that include TimeAway discount, good driver, early bird, accident-free, and multi-vehicle.
- AAA has savings for education and occupation, anti-theft, AAA membership discount, good driver, multi-policy, and pay-in-full.
- GEICO has discounts for daytime running lights, anti-lock brakes, good student, federal employee, driver training, and anti-theft.
- Mercury Insurance may offer discounts for accident-free, anti-theft, multi-policy, type of vehicle, multi-car, annual mileage, and good student.
- Farmers Insurance discounts include business and professional, electronic funds transfer, bundle discounts, good student, youthful driver, multi-car, and mature driver.
- Progressive offers discounts for good student, online quote discount, multi-policy, online signing, and homeowner.
The illustration below shows the difference between auto insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims, a clean driving record, Washington state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, vehicle safety, multiple vehicle, accident-free, defensive driving course, and homeowner discounts applied. When discounts are applied, the average amount saved each year on insurance for a Nissan Rogue is 28% or $540.