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2019 Nissan Rogue Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Average insurance rates for a 2019 Nissan Rogue are $1,392 a year with full coverage. Comprehensive costs an estimated $256, collision costs $506, and liability costs $450. Buying a liability-only policy costs as little as $518 a year, with high-risk insurance costing around $3,024. Teen drivers receive the highest rates at $5,344 a year or more.

Annual premium for full coverage: $1,392

Rate estimates for 2019 Nissan Rogue Insurance

Comprehensive $256
Collision $506
Liability $450

Rate data is compiled from all 50 U.S. states and averaged for all 2019 Nissan Rogue models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $518 for a discount liability-only rate to the much higher price of $3,024 for a high risk driver.

Liability Only $518
Full Coverage $1,392
High Risk $3,024

View Chart as Image

2019 Nissan Rogue insurance rates compared
Column chart showing 2019 Nissan Rogue insurance prices range from $808 to $5,344 for full coverage

These differences demonstrate why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2019 Nissan Rogue Insurance

Searching Companies

Drivers have many options when trying to find low-cost Nissan Rogue insurance. They can either spend hours driving around to compare prices or utilize the internet to get rate quotes.

There is a better way to find insurance online and you need to know the absolute fastest way to quote coverages for a Nissan and obtain the lowest price from local insurance agents and online providers.

Get lower rates with these insurance coverage discounts

Buying insurance coverage is not cheap, but you might be missing out on some discounts that can drop the cost substantially. A few discounts will be applied at quote time, but a few must be specifically requested before you will receive the discount.

  • Multi-Vehicle Discounts – Buying insurance for several vehicles with one company may reduce the rate for each vehicle.
  • Save with a New Car – Putting insurance coverage on a new car can save you some money because newer vehicles are generally safer.
  • Sign Online – Some insurance coverage companies will give a small break for buying a policy and signing up on your computer.
  • Good Student – Getting good grades may save you up to 25%. The good student discount can last until age 25.
  • Auto/Life Discount – If the company offers life insurance, you could get better insurance coveragerates if you take out some life insurance too.
  • Switch and Save Discount – Some insurance coverage companies reward drivers for switching companies prior to your current policy expiring. It’s a savings of about 10%.
  • Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Defensive Driver – Taking time to complete a course that instructs on driving safety could cut 5% off your bill depending on where you live.
  • Accident Waiver – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident without raising rates if your claims history is clear for a certain period of time.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

A list of companies and the discounts they provide are included below.

  • Progressive policyholders can earn discounts including good student, homeowner, online signing, multi-vehicle, and multi-policy.
  • The Hartford may offer discounts for defensive driver, good student, vehicle fuel type, anti-theft, bundle, driver training, and air bag.
  • Mercury Insurance has discounts for multi-policy, multi-car, anti-theft, ease of repair, accident-free, low natural disaster claims, and good student.
  • GEICO offers discounts for seat belt use, multi-policy, multi-vehicle, driver training, air bags, and five-year accident-free.
  • AAA includes discounts for good student, multi-policy, education and occupation, anti-theft, AAA membership discount, pay-in-full, and good driver.
  • State Farm has savings for driver’s education, student away at school, defensive driving training, good driver, and passive restraint.

When getting a coverage quote, ask each company or agent how you can save money. Some discounts listed above might not be offered on policies in your area. To locate insurance companies who offer insurance coverage discounts, enter your zip code here.

Nissan Rogue insurance rate factors

It’s important that you understand some of the elements that go into determining your premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find lower insurance prices.

  • Higher premiums for tough jobs – Do you work in a high-stress field? Jobs like real estate brokers, business owners and financial analysts usually pay higher rates than the rest of us attributed to stressful work requirements and long work hours. On the other hand, jobs like professors, students and homemakers have lower than average premiums on Rogue insurance.
  • An active insurance claims history can cost you more – Auto insurance companies give the best rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is designed for larger claims.
  • Compare rates if you bundle your policies – Most larger insurers apply lower prices to clients who buy several policies from them such as combining an auto and homeowners policy. Even if you already get this discount, consumers should still check prices from other companies to ensure the best deal.There is a chance you can save more without the discount by buying insurance from more than one company.
  • If you don’t need it don’t buy it – Insurance policies have a lot of extra bells and whistles that you can get tricked into buying if you aren’t diligent. Coverages for roadside assistance, better glass coverage, and membership fees are some examples. These may sound like a good investment at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • A linsurance policy lapse is a bad thing – Having an insurance coverage lapse is a quick way to pay more for insurance. In addition to paying higher premiums, the inability to provide proof of insurance could result in a revoked license or a big fine.
  • The more you drive the more you pay – The higher the mileage driven each year the more you will pay for insurance. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Verify your insurance coverage is showing the right rating data, because it can save money. An incorrectly rated Rogue can result in significantly higher rates.

Insurance can get complicated

When choosing the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Should I put collision coverage on all my vehicles?
  • Does coverage extend to my business vehicle?
  • Is my nanny covered when driving my vehicle?
  • Is my 2019 Nissan Rogue covered for flood damage?
  • When would I need rental car insurance?
  • Is my trailer covered?
  • What is medical payments coverage?
  • Is my teenager covered with friends in the car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, damage from a tornado or hurricane and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays for damage to your Rogue resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Rogue.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like pain medications, chiropractic care, hospital visits, doctor visits and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage, pain and suffering, court costs and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Save your hard earned cash

We’ve covered a lot of ways to reduce 2019 Nissan Rogue insurance auto insurance rates online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the most savings is with a small mutual company.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In too many instances, an insured dropped uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, high prices, denial of a claim or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new car insurance company is not as difficult as it may seem.

For more information, feel free to visit the articles below:

Rates by U.S. City

2019 Nissan Rogue Insurance Rates by City
City Premium
New York City, NY $2,202
Los Angeles, CA $2,382
Philadelphia, PA $1,859
Jacksonville, FL $2,021
Phoenix, AZ $1,618
Chicago, IL $1,868
Houston, TX $2,181
Seattle, WA $1,356
Columbus, OH $1,164
Indianapolis, IN $1,189

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2019 Nissan Rogue Insurance Rates by Driver Age
Driver Age Premium
16 $5,344
20 $3,244
30 $1,446
40 $1,392
50 $1,276
60 $1,252

Full coverage, $500 deductibles

Rates by Deductible

2019 Nissan Rogue Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,732
$250 $1,574
$500 $1,392
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Nissan Rogue Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,392
50/100 $1,482
100/300 $1,595
250/500 $1,887
100 CSL $1,527
300 CSL $1,775
500 CSL $1,955

Full coverage, driver age 40

Rates for High Risk Drivers

2019 Nissan Rogue Insurance Rates for High Risk Drivers
Age Premium
16 $7,600
20 $5,158
30 $3,082
40 $3,024
50 $2,890
60 $2,864

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $62
Advance Quote $68
Online Quote $97
Total Discounts $584
Rate after discounts $808

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2019 Nissan Rogue Insurance Rates by State
State Premium
Alabama $1,260
Alaska $1,068
Arizona $1,156
Arkansas $1,392
California $1,588
Colorado $1,330
Connecticut $1,430
Delaware $1,578
Florida $1,742
Georgia $1,286
Hawaii $1,000
Idaho $946
Illinois $1,038
Indiana $1,052
Iowa $940
Kansas $1,324
Kentucky $1,900
Louisiana $2,062
Maine $860
Maryland $1,150
Massachusetts $1,114
Michigan $2,418
Minnesota $1,166
Mississippi $1,672
Missouri $1,236
Montana $1,496
Nebraska $1,098
Nevada $1,672
New Hampshire $1,004
New Jersey $1,558
New Mexico $1,234
New York $1,468
North Carolina $804
North Dakota $1,140
Ohio $962
Oklahoma $1,430
Oregon $1,276
Pennsylvania $1,328
Rhode Island $1,858
South Carolina $1,264
South Dakota $1,176
Tennessee $1,218
Texas $1,678
Utah $1,032
Vermont $954
Virginia $834
Washington $1,076
West Virginia $1,278
Wisconsin $964
Wyoming $1,242

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