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Best Cheap Insurance for a Nissan Rogue in South Carolina

Enter your South Carolina zip code below to view companies that have cheap auto insurance rates.

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: Nov 16, 2019

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Whether or not you can find affordable insurance for a Nissan Rogue in South Carolina hinges on a large number of factors such as if you are single or married, the insurance company you are currently insured with, and driving citations. Drivers will pay on average $930 every 12 months for Rogue insurance, but that figure is an approximation assuming a 40-year-old single female that wants full comprehensive and collision coverage and $1,000 deductibles.

The issue that arises when projecting rates is that it’s very likely that you may not be 40 years old (or even female), possibly married instead of single, or maybe you have a speeding ticket or two that will increase rates. Changing even a minor factor in the rating criteria used to formulate rates can lead to a big change in rate quotes.

Every driver’s needs are different, and that is why your best shot at finding cheap auto insurance rates for your Nissan is to just take the time to do a thorough rate comparison. It only takes a couple of minutes and you will receive prices from the cheapest companies around.

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

The specific model of Rogue has an effect on the cost of coverage, so the price you will pay to insure a Rogue S 2WD model will be $56 less expensive the price to insure the more well-appointed Rogue SL AWD trim level, as demonstrated by the prices below.

Nissan Rogue Insurance Rates in South Carolina
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $156 $316 $502 $30 $150 $1,154 $96
Rogue S AWD $156 $316 $502 $30 $150 $1,154 $96
Rogue SL 2WD $156 $316 $502 $30 $150 $1,154 $96
Rogue SL AWD $156 $372 $502 $30 $150 $1,210 $101
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle garaging location which can influence price quotes greatly.

Selecting a highly-rated insurance provider can be challenging considering how many choices you have in South Carolina. The company ratings shown next can help you analyze which insurers to look at when buying insurance for a Nissan Rogue. The ratings below are only made up of companies that write coverage in many states, so companies that only write business in South Carolina or surrounding areas are not factored into these rankings.

Top 10 Major Auto Insurance Providers in South Carolina Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance

Top 10 Major Auto Insurance Providers in South Carolina Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

Top Companies for Nissan Rogue Insurance in South Carolina

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

Violations and accidents raise rates

In a perfect world, the best way to earn cheap auto insurance premiums in South Carolina for a Rogue is to be a careful driver and avoid traffic citations and accidents. The diagram below illustrates how violations and accident claims increase insurance costs for each age group. The rate quotes are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.

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In the example above, the average cost of a car insurance policy per year with no violations or accidents is $2,319. Receive one speeding ticket and the average cost jumps to $2,629, an increase of $310 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Nissan Rogue goes up to an average of $5,295. That’s an increase of $2,976, or $248 per month, just for being a little careless behind the wheel!

Does it make sense to buy full coverage?

Finding the best cheap insurance for a Nissan Rogue in South Carolina is the goal of most drivers, and a great way to find cheaper insurance is to buy liability only. The diagram below shows the comparison of insurance premiums when comparing full coverage to liability only. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Averaged out for all age groups, physical damage coverage on your policy costs $1,818 per year more than buying just liability insurance. Lot’s of drivers question if full coverage is worth the money. There isn’t a steadfast formula to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s settlement value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $9,500 after you pay the deductible. If you are paying over $950 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

Tips for buying economical car insurance for a Nissan Rogue

Below you’ll find many thrifty ideas that can help South Carolina drivers get the cheapest coverage.

  • Drive attentively and avoid accidents
  • Increase your credit rating
  • Buy a safer vehicle
  • Older vehicles may not need full coverage
  • Multi-policy discounts save money
  • Shop around for lower rates once a year

That final tip is highly valuable, as was emphasized in the prior information. Auto insurance prices fluctuate constantly, so don’t be tentative to change insurance companies if a lower price can be found.

Many drivers prefer to stick with one company, but it’s not recommended if that inflexibility results in costing you thousands of dollars over the life of your policy. If you have a few minutes, now is a great time to shop around and find cheaper insurance for a Nissan Rogue.

Allstate, Geico, Progressive, or State Farm: Which is best?

When it comes to insurance for a Rogue in South Carolina, probably the best companies to start with are Allstate, Geico, Progressive, and State Farm. The data below compares some of the different features that may be available in your state.

Comparison of Top Four U.S. Auto Insurance Companies
Allstate Geico Progressive State Farm
Customer Satisfaction 2nd 1st 3rd 4th
Claims Rank 1st 3rd 4th 2nd
Price Overall 4th 1st 3rd 2nd
Number of Discounts 1st 2nd 4th 3rd
Recommend by customers 86% 87% 88% 88%
Rating from A.M. Best A+ A++ A+ A++
Emergency roadside service Yes Yes Yes Yes
Usage-based insurance Yes No Yes Yes
Rideshare insurance Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes Yes No
New car replacement coverage Yes No No No
Breakdown insurance No Yes Yes No
Where you can buy Only buy from Allstate agents Online or through a Geico agent Buy online or from an independent agent State Farm exclusive agents
Number of agents 11,000+ 150+ 30,000+ 18,000+
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