Cheap Insurance for Nissan Rogue in 2020

The Nissan Rogue is one of the more advanced vehicles on the market today from a safety and technology standpoint. Insurance companies look at those features when setting rates, so it’s not hard to find a good policy for your Rogue.

Who has the cheapest insurance for a Nissan Rogue?

Outside of regional carriers that may not offer service to large parts of the nation, GEICO has the best rates for Nissan Rogue owners, with a national average of just $609 in 2017.

Before we jump in further, it’s important to note that the insurance costs we’ll refer to below are for Nissan Rogue models that were sold new as recently as 2017. Insurance data takes a while to percolate, so figures for the most recent models of the Rogue aren’t available yet.

We researched a variety of sources to find insurance rates for Nissan Rogue and for Nissan’s vehicles in general.

It’s also important to note that we focused mostly on price here, meaning we searched for the lowest rates over other factors such as customer service/satisfaction and coverage.

The important thing to remember is that insurance rates can vary widely, and prices can change almost daily. This range is only a GUIDE to give you a basic idea about the rates insurance companies charge motorists today.

DISCLAIMER: There are numerous other factors that are going to impact the cost of insurance on your Nissan Rogue.

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Who has the best cheap insurance for my Nissan Rogue?

  • Cheapest Large Insurance Carrier: GEICO - The gigantic insurer’s rates are at least $250 cheaper than the closest national carrier, USAA, which only offers coverage to military families.
  • Best Overall: GEICO - This is going to be the GEICO show, if you couldn’t tell already.
  • Best Insurance in All 50 States - GEICO or USAA. GEICO leads with average rates of just over $600. USAA is the closest large insurer, but rates there can reach as much as $300 more than the gecko-promoted company.

How much does Nissan Rogue insurance cost?

We searched for rates from all major insurers, but information is not available from all carriers. The rates you see below represent the insurers for which we were able to find complete and up-to-date information.

Rates we found
GEICO$609
Erie*$686
Texas Farm Bureau*$851
Tennessee Farmers*$866
USAA$883

(*) Regional insurer that may not offer coverage in all areas

Who are the nation’s best insurers for the Nissan Rogue?

  • GEICO - GEICO is the second-largest insurer in the nation and is known for its low rates. The company offers all sorts of benefits, from mechanical breakdown coverage to covering accidents that take place if the vehicle is being used in a ridesharing service.

  • Erie - Sure, you’re not going to find Erie’s coverage everywhere, but if you’re in one of their service areas, you’re in for a treat. Rogue drivers in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia are eligible for Erie’s services. The company offers excellent accident forgiveness programs, travel expense coverage, and even pet injury coverage of up to $500 for some policies.

  • USAA - USAA is only available to active military members, vets, and their families, but offers solid coverage for those who qualify. The company offers many discount programs that range from safe driver discounts to good student discounts, and has several add-ons that make their insurance policies a great value.

  • Progressive - It’s far from the cheapest insurance for your Nissan Rogue, with a national average price of $895, but the added cost will be worth it for many people. Progressive also earns high marks for its add-ons, which include savings for auto-payment, pet injury protection, and coverage for custom parts and equipment.

How can you get insurance discounts?

Like ordinary car insurance, there are a million discounts that you can apply to drop your insurance cost significantly. When we got quotes, we didn’t select any of these, but they were all questions on the quote engine that would impact the overall insurance rate:

  • Pay in full - If you can afford to pay up in full at the time you choose an insurer, you can save money. That’s not true of every insurer. GEICO and Progressive offer a nominal discount for paying up front, while others may not offer anything for paying up front.

  • Maintain Good Credit - As annoying as it can be, insurers look at your credit report when setting rates. If you’ve had trouble keeping up with payments and have accounts in collections all over the place, there’s a good chance you’ll pay more for your auto insurance.

  • Safety features - This one is pretty easy for most Rogue owners. If your Nissan has advanced safety features like blind spot monitors, rear cross-traffic alerts, adaptive cruise control, or automatic emergency braking, make sure your insurer knows about the features so that you can get a discount for the added safety equipment.

  • Drive less - This one’s easier said than done, but the less you drive, the less you’ll pay.

  • Drive carefully - Again, easier said than done. Some accidents may be out of your control, but maintaining a clean driving record without speeding tickets and at-fault accidents is the best way to keep insurance rates as low as possible.

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FAQ

Why is insurance for my new Nissan Rogue more expensive than with my last car?

Even if you’ve got all of the safety features under the sun and a perfect driving record, new cars sometimes cost more to insure. By how much will depend on several factors, such as where you live, how much you drive, and your driving record.

Is the Nissan Rogue expensive to insure?

The Nissan Rogue’s insurance rate is competitive with any other vehicle in its class. CUVs are among the most affordable vehicles to insure.

How can I get super cheap insurance for my new Nissan Rogue?

First, pump the brakes. Don’t try to save money on insurance for your new Nissan by getting the lightest coverage possible. It’s not the best idea to try and slide by with the bare minimums on insurance for a new vehicle. This is especially true if you’re financing the Nissan and don’t own it outright. If you’re dead set on getting the absolute minimum coverage, be prepared to pay the vehicle off or buy another one out of pocket in the case of a wreck.

All of that said, the best ways to get cheap insurance for your Rogue are to maintain a clean driving record, pay your bills on time, shop around, and ask about discounts for things like safety equipment.

Is a lower trim level of the Nissan Rogue cheaper to insure?

Yes and no. Lower trim levels cost less, so there’s not as much involved in replacing them, but they may not have all of the same advanced safety features that top trims have. That may cause rates to run slightly higher, even though the vehicle itself is cheaper overall.

Why is my insurance so high with no accidents?

Your insurance could be expensive because you have an accident on your driving record, you drive too much, or maybe you just live in a part of the country that insurance companies deem to be “high-risk.” Places like major metropolitan areas generally have insurance rates that are higher than average.

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