Finding cheaper auto insurance for a Nissan Rogue in New York depends on a whole bunch of factors such as whether you are married or single, what you do for a living, and driving violations and tickets. Drivers will pay on average $544 per year to insure their Rogue, but that figure is calculated using a 50-year-old married male driver with full coverage and $1,000 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 50-year-old male, possibly single instead of married, or maybe you are just looking for cheap liability insurance. Having the smallest difference in policy rating criteria or coverages could result in a significant change in how much insurance for a Nissan Rogue costs.
There is no perfect policy for every driver, so the way we recommend to find the cheapest rates for your Nissan is to just compare rates yourself. Quotes are always free and you can get rates from some of the most affordable companies around.
Vehicle trim level tends to have a direct impact on the cost of insurance, so the price you will pay to insure a Rogue S 2WD trim level will be $34 less expensive the cost to insure the more costly Rogue SL AWD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $98 | $184 | $288 | $16 | $86 | $672 | $56 |
| Rogue S AWD | $98 | $184 | $288 | $16 | $86 | $672 | $56 |
| Rogue SL 2WD | $98 | $184 | $288 | $16 | $86 | $672 | $56 |
| Rogue SL AWD | $98 | $218 | $288 | $16 | $86 | $706 | $59 |
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific location information which can lower or raise auto insurance rates considerably.
Establishing which companies offer the most affordable auto insurance rates for a Nissan Rogue calls for a little more effort in order to find the best policy.
Each insurer has their own formula for determining prices, so we will examine the auto insurance companies with the overall best prices in Buffalo, NY. Keep in mind that Buffalo, NY auto insurance rates are determined by lots of factors that can increase the price you have to pay for coverage. Getting older, moving to a new city, or getting a DUI may prompt premium changes that may make certain companies cheaper in comparison to the competition.
Best Car Insurance Prices for Your Nissan
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,163 |
| 2 | Erie | $1,218 |
| 3 | Travelers | $1,513 |
| 4 | Allstate | $1,541 |
| 5 | Progressive | $1,542 |
| 6 | Utica National | $1,549 |
| 7 | MetLife | $1,572 |
| 8 | Amica | $1,628 |
| 9 | Preferred Mutual | $1,686 |
| 10 | GEICO | $1,869 |
| 11 | New York Central Mutual | $1,892 |
| 12 | Safeco | $1,966 |
| 13 | Central Mutual | $1,968 |
| 14 | State Farm | $1,982 |
| 15 | Liberty Mutual | $2,087 |
| 16 | Hanover | $2,369 |
| 17 | Encompass | $2,583 |
| 18 | Nationwide | $3,147 |
| 19 | Mercury | $3,848 |
| 20 | 21st Century | $4,412 |
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USAA may offer some of the best car insurance rates in Buffalo at around $1,163 per year. Erie, Travelers, Allstate, and Progressive also qualify as some of the more affordable Buffalo, NY auto insurance companies.
As depicted above, if you currently have a policy with Travelers and switched to USAA, you could earn an annual savings of about $350. Customers with Allstate may save as much as $378 a year, and Progressive customers might cut rates by $379 a year.
Be aware that those estimates are averages across all ages of drivers and types of vehicles and are not factoring in an exact zip code location for a Nissan Rogue. So the car insurance company that has the cheapest price for you may not even be in the list above. That’s why you need to compare rates from multiple companies using your own driver data and vehicle information.
Cost difference between full coverage and liability
Paying a lower price for auto insurance is probably important to most people, and an effective way to lower the cost of insurance for a Nissan Rogue is to only buy liability coverage. The diagram below shows the difference between annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims or driving violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.
If we average all the age groups together, comp and collision coverage costs $1,750 per year over liability only. That is a large expense which might make you wonder when is the right time to remove full coverage. There isn’t a written rule of when to stop paying for physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your vehicle’s claim settlement value is $11,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $10,000 after paying your policy deductible. If you are paying over $1,000 a year for physical damage coverage, then you may need to consider dropping full coverage.
The example below shows how choosing a deductible can change insurance rates when searching for cheap insurance for a Nissan Rogue. The price estimates are based on a single female driver, comp and collision included, and no discounts are applied.
In the chart above, a 30-year-old driver could lower their car insurance rates by $288 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $434 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old example, have the ability to save $640 each year by choosing a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is essential to have enough savings set aside to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
The professional agents shown below can most likely help you make a decision which is the best policy, since some people have coverage questions and would like to have a little guidance when shopping around for cheaper insurance for a Rogue. It can be difficult to find the cheapest car insurance policy, so using a licensed agent can bring comfort knowing your policy gives you enough coverage when you need it. To locate an agency in your neighborhood, click the link at the bottom.
- Paul Wolf Agency Inc
2686 Elmwood Ave – Buffalo, NY 14217 – (716) 835-9653 - Nationwide Insurance: Cynthia Woltz Insurance Agency Inc
1926 clinton – Buffalo, NY 14206 – (716) 822-6874 - George Ihle III – State Farm Insurance Agent
7718 Buffalo Ave – Niagara Falls, NY 14304 – (716) 283-9100
More insurance agents in Buffalo, NY
How to find more affordable car insurance for a Nissan Rogue
The list below details a few money-saving solutions that can help you locate cheaper coverage.
- Increase your credit rating
- Avoid preventable accidents
- Avoid getting tickets or violations
- Raise deductibles to save money
- Buy a car with high safety ratings
- Comparison shop at least every other year
The last suggestion is particularly necessary, as we noted in the prior information. Prices charged by companies change constantly, so don’t be hesitant to switch companies if you find a better deal. Having a favorite company is great, but we do not recommend it if that stubbornness costs you hundreds of dollars year after year. It only takes a couple minutes to compare rates to find cheaper insurance for a Nissan Rogue in Buffalo.