Finding economical car insurance for a Nissan Rogue is usually pretty straightforward, but it is dependent upon many rating criteria such as your marital status, your claims history, and your choice of deductibles. Drivers pay around $632 per year for Rogue insurance, but that figure is based upon a 50-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
When projecting a rate like this, the problem is that you may not be 50 years old (or even female), you might be single instead of married, or maybe you have a speeding ticket or two that will increase rates. This shows why the way we recommend to find the cheapest insurance price for your Nissan is to compare as many rates as you can. It’s really quite easy you can get rates from the best companies available.
Find Cheaper Nissan Rogue Insurance
The specific trim level tends to have a direct impact on the cost of coverage, so the price you will pay to insure a Rogue S 2WD trim level will be $48 less than the cost to insure the higher-end Rogue SL AWD version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $148 | $270 | $264 | $16 | $80 | $778 | $65 |
| Rogue S AWD | $148 | $270 | $264 | $16 | $80 | $778 | $65 |
| Rogue SL 2WD | $148 | $270 | $264 | $16 | $80 | $778 | $65 |
| Rogue SL AWD | $148 | $318 | $264 | $16 | $80 | $826 | $69 |
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Table data does not factor in garaging location in Charlotte which can affect premiums greatly.
Deciding which company offers the cheapest insurance rates for a Nissan Rogue calls for a little more work in order to find the best policy. Each auto insurer has their own process to determine premium rates, so we’ll go over the insurance companies that tend to have lower prices in Charlotte.
We do need to point out that Charlotte, NC insurance rates are impacted by many things which can substantially decrease or increase the price you pay. Simply getting older, buying higher coverage limits, or having an accident can cause premium changes resulting in some rates now being much cheaper than others.
Cheapest Insurance Rates for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $655 |
| 2 | Progressive | $658 |
| 3 | Liberty Mutual | $707 |
| 4 | NC Farm Bureau | $737 |
| 5 | GEICO | $742 |
| 6 | Penn National | $747 |
| 7 | Titan | $751 |
| 8 | State Farm | $756 |
| 9 | Auto-Owners | $878 |
| 10 | Erie | $904 |
| 11 | National General | $917 |
| 12 | Allied | $919 |
| 13 | Travelers | $927 |
| 14 | Peerless | $992 |
| 15 | Nationwide | $1,001 |
| 16 | Unitrin | $1,032 |
| 17 | Encompass | $1,041 |
| 18 | MetLife | $1,049 |
| 19 | Safeco | $1,076 |
| 20 | Allstate | $1,097 |
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Utica National has some of the best car insurance rates in Charlotte at around $655 a year. Progressive, Liberty Mutual, NC Farm Bureau, and GEICO would also be considered some of the more affordable Charlotte, NC car insurance companies.
As the rates illustrate above, if you are a policyholder with NC Farm Bureau and switched to Utica National, you could realize a yearly savings of upwards of $82. North Carolina drivers with GEICO could save as much as $87 a year, and Penn National insureds might see rate reductions of $92 a year.
Understand that those prices are averages across all types of insureds and vehicles and do not take into consideration an exact vehicle garaging location for a Nissan Rogue. So the car insurance company that fits your situation best may not even be in the top 20 companies in the list above. That is why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Should you buy full coverage?
Saving money when shopping for insurance is the goal of the majority of drivers, and one of the easiest ways to buy cheap insurance for a Nissan Rogue is to not insure for full coverage. The illustration below shows the difference between insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no accidents or driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.
If the expense is averaged for all age categories, physical damage insurance costs $1,918 per year more than just buying liability only. That is a large expense which might make you wonder if physical damage coverage is worth the money. There is no specific rule of when to eliminate full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your vehicle’s book value is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $10,000 after paying your deductible. If premium cost is more than $1,000 a year to have full coverage, then you may want to consider only buying liability coverage.
Here’s why price comparisons are so important
Charlotte, NC insurance rates are determined by lots of factors which can substantially decrease or increase the policy price. Turning one year older, buying another vehicle, or getting caught speeding can trigger rate changes that may make certain companies more affordable than before.
And not only may your rating factors change, but companies change their prices without warning to adjust for unexpected claims or profits. An extended period of higher than normal claims may result in higher rates, while a profitable period may cause lower-priced Rogue insurance rates.
The bar chart below shows a variety of companies that have the cheapest car insurance in Charlotte, NC for a 30-year-old male driver with a clear driving record, no claims, and good financial standing. When quoting prices based on his personal profile, Progressive may offer the best car insurance rates in Charlotte at $786 per year. This is $86 less than the average policy premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and GEICO round out the rest of the most affordable Charlotte, NC auto insurance companies.
In this example, we will give the driver in the first example an accident claim, slightly worse credit, and a speeding ticket. Because each insurer uses their own method for determining prices, comparing prices may now present a new list of affordable Charlotte car insurance companies as shown below.
Penn National now has the best price on car insurance in Charlotte with State Farm, Auto-Owners, National General, and Allied now rounding out the top five. This example shows why it is critical to shop around when trying to get the most budget-friendly insurance rates for a Nissan Rogue.
Insurance prices are made up of many things and change frequently, so the most affordable company the last time you shopped around may now be quite expensive.
How to find budget-friendly auto insurance for a Nissan Rogue
Below you’ll find some of the recommended penny-pinching suggestions that can help North Carolina drivers locate cheap coverage.
- Safer vehicles cost less to insure
- Prevent rate increases by staying accident-free
- Increase your comprehensive and collision deductibles
- Just one traffic violation will increase your rates
- Drivers with good credit often pay less
- Compare prices as often as possible
That last piece of advice is certainly necessary, as was affirmed in the prior article. Prices charged by car insurance companies in Charlotte fluctuate considerably, so don’t be afraid to switch carriers if a lower-cost policy is available.
Many consumers stick with the same company and that’s fine, but it’s not recommended if that loyalty results in overpaying hundreds every year. If you have a few minutes, compare prices to find cheaper auto insurance for a Nissan Rogue.
If you prefer to have some professional guidance when buying car insurance for a Nissan Rogue, the agents shown below can most likely provide answers to your questions and help you determine which auto insurance policy would work best for you.
To find an agent close to you, click the button at the bottom of the list or click here to compare rates now.
- State Farm: Rob Heath
6215 Brookshire Blvd – Charlotte, NC 28216 – (704) 392-4166 - Johnson Insurance Management, LLC
3220 Wilkinson Boulevard Ste A3 – Charlotte, NC 28208 – (704) 394-7327 - O H Walker Insurance Agency Inc
2210 Crownpoint Executive Dr – Charlotte, NC 28227 – (704) 814-4343 - Kyle Fadeley – State Farm Insurance Agent
13551 Steelecroft Pkwy #120 – Charlotte, NC 28278 – (704) 588-5585 - Sarah Highfill – State Farm Insurance Agent
7845 Colony Rd – Charlotte, NC 28226 – (704) 541-9999