How Much Does Insurance Cost for a Nissan Rogue in Arizona?
Enter your Arizona zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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Since we’re writing about auto insurance, the words “affordable” or “cheap” should not be used anywhere in the article as a descriptor for car insurance rates. Excuse the oxymoron, but cheap car insurance for a Nissan Rogue just does not exist. Don’t let that ruin your day, because we will show you how you can still get car insurance that you can afford to pay for.
The odds of finding the cheapest car insurance for a Nissan Rogue in Arizona hinges on a complex formula that factors things like how you use your Rogue, whether or not you are currently insured, and citations on your driving record. Drivers in Arizona pay on average $700 each year to buy insurance for a Nissan Rogue, but that is using cost data for a 50-year-old married male driver who requires full physical damage coverage and $500 physical damage deductibles.
There is a very good chance that you are not 50 years old and maybe not even male, possibly single instead of married, or maybe you prefer higher deductibles. Car insurance coverage is unique to each driver, so this is why the most reliable way to find cheap auto insurance rates for your Nissan is to comparison shop your policy at every renewal or at least every couple of years.
Your Nissan’s trim level will most likely have an effect on the annual cost of coverage, so the cost to insure a Rogue S 2WD trim level will cost $48 less than the cost to insure the higher-end Rogue SL AWD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$146||$268||$326||$20||$98||$858||$72|
|Rogue S AWD||$146||$268||$326||$20||$98||$858||$72|
|Rogue SL 2WD||$146||$268||$326||$20||$98||$858||$72|
|Rogue SL AWD||$146||$316||$326||$20||$98||$906||$76|
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific location which can revise premium rates significantly.
Deciding which insurers offer the best auto insurance rates for a Nissan Rogue will take a bit more work in order to find the lowest price. Each auto insurer has their own unique process to set their prices, so let’s take a look at the most budget-friendly auto insurance companies in Arizona.
It’s important that readers know that Arizona auto insurance rates are calculated based on many things that may substantially change the price of coverage. Simply getting older, increasing liability limits, or getting a few speeding tickets may prompt premium changes that can make some companies more affordable than the competition.
The Hartford offers some of the most affordable car insurance rates in Arizona at around $811 annually. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the cheapest Arizona auto insurance companies.
As the rates illustrate above, if you have coverage with Travelers and switched to Auto-Owners, you might achieve savings of in the neighborhood of $162. Policyholders with USAA might save as much as $200 a year, and Progressive customers might realize rate reductions of up to $240 a year.
Understand that those premiums are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Nissan Rogue. So the insurer that fits you best may not even be shown in the rate chart shown above. That illustrates why you need to get auto insurance quotes using your own driver data and vehicle information.
Enter your zip code below to view companies that have cheap auto insurance rates.
Does full coverage make sense?
Finding cheap insurance for a Nissan Rogue in Arizona should be important to most people, and one of the fastest ways to save on the cost of insurance is to buy liability only. The diagram below shows the difference between auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The data is based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no policy discounts are applied.
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If we average the cost for ages 20 through 70, physical damage coverage costs $2,151 per year over liability only. Lot’s of drivers question if buying full coverage is a good investment. There isn’t a steadfast formula for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s say your vehicle’s book value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,500 after you pay the deductible. If it’s costing you more than $350 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are some scenarios where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Discounts on cheap insurance for a Nissan Rogue in Arizona
Insurers that provide coverage for a Nissan Rogue may also give you premium discounts that could lower prices by as much as 40% or more if you meet specific criteria. Larger auto insurance companies and some of the premium reductions they offer can be read below.
- State Farm has savings for anti-theft, driver’s education, Steer Clear safe driver discount, good student, safe vehicle, and multiple autos.
- Progressive policyholders can earn discounts including continuous coverage, good student, online quote discount, homeowner, multi-policy, online signing, and multi-vehicle.
- Progressive may have discounts that include online quote discount, online signing, multi-policy, good student, multi-vehicle, and continuous coverage.
- MetLife may include discounts for good student, defensive driver, accident-free, multi-policy, and claim-free.
- Farm Bureau has discounts for youthful driver, safe driver, multi-policy, good student, multi-vehicle, 55 and retired, and renewal discount.
- GEICO offers premium reductions for driver training, multi-vehicle, federal employee, five-year accident-free, anti-theft, seat belt use, and defensive driver.
- SAFECO may offer discounts for anti-theft, teen safe driver, anti-lock brakes, drive less, homeowner, and accident prevention training.
The illustration below shows the comparison of auto insurance rates with and without discounts applied to the policy premium. The prices are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, multiple policy, homeowner, accident-free, claim-free, and marriage discounts applied. When these discounts are applied to the policy premium, the amount saved on auto insurance for a Nissan Rogue is 28% or $501.
How to find more affordable auto insurance for a Nissan Rogue
Here are a few thrifty suggestions that can help Arizona drivers locate more affordable coverage.
- Avoid speeding and other traffic citations and pay less
- Safer vehicles generally have cheaper insurance rates
- Bundle home or renters insurance to earn a discount on car insurance
- Avoid accidents
- Claim-free policyholders usually earn a discount
- Shop around for cheaper prices often
The final tip is extraordinarily significant, as was affirmed in the prior article. Car insurance rates in Arizona can change in a short period of time, so don’t be afraid to buy from a new company if a better rate can be found. Many drivers prefer to stick with one company, but it isn’t a good idea if that loyalty ends up costing hundreds of dollars a year. In just a few minutes you could compare rates to find cheaper insurance for a Nissan Rogue.
Progressive, State Farm, Geico, and Allstate compared
If you’re looking for the cheapest insurance for a Rogue in Arizona, the most popular companies are Progressive, State Farm, Geico, and Allstate. The table below illustrates pricing and service ratings, as well as optional policy coverages .
|Percent of U.S. market||8.8%||18.3%||11.4%||10%|
|A.M. Best financial rating||A+||A++||A++||A+|
|New car replacement||No||No||No||Yes|
|Accident forgiveness coverage||Yes||No||Yes||Yes|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|Available in Arizona||Yes||Yes||Yes||Yes|
|Where to buy||Indpendent agents or online||State Farm exclusive agents||Online or through a Geico agent||Allstate exclusive agents|
|Number of agents||30,000+||18,000+||150+||11,000+|
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