Who Has Cheap Insurance for a Nissan Rogue in Colorado?
Enter your Colorado zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 14, 2019
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Whether or not you can find affordable insurance for a Nissan Rogue in Colorado is dependent upon many rating factors like whether or not you own a home, whether or not you garage your vehicle, and deductible levels for physical damage coverage. Colorado drivers pay an average rate of $1,170 a year to buy Nissan Rogue insurance, but that policy rate is an estimate that uses rate data for a 40-year-old single male that wants full comprehensive and collision coverage and $250 physical damage deductibles.
But there is a good chance that you are not 40 and possibly not even male, maybe you are married instead of single, and you don’t want the same coverages and limits as the example. What seems to be a minor change in rating factors can cause big differences in policy price.
Auto insurance is not “one size fits all”, so the most reliable method for finding affordable rates for your Nissan is to make a habit of comparing prices at least once a year. It only takes a couple of minutes and you will receive prices from some of the most affordable companies that insure vehicles in Colorado.
Your Nissan’s trim level will influence the yearly cost, so the price you pay to insure a Rogue S 2WD model will be $94 less than the cost to insure the high end Rogue SL AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$266||$526||$480||$28||$144||$1,444||$120|
|Rogue S AWD||$266||$526||$480||$28||$144||$1,444||$120|
|Rogue SL 2WD||$266||$526||$480||$28||$144||$1,444||$120|
|Rogue SL AWD||$266||$620||$480||$28||$144||$1,538||$128|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium costs do not factor in your specific Colorado location which can change auto insurance rates greatly.
Picking a high-quality insurer is difficult considering how many different companies there are to choose from in Colorado. The ranking data below can help you decide which providers you want to consider when shopping insurance around for a Nissan Rogue.
The rankings below are for the companies with a significant amount of written premium nationwide, so companies that only write business in Colorado or surrounding areas are not factored into these rankings. To compare price quotes from many more Colorado auto insurance companies, click here.
Top 10 Large Auto Insurance Companies in Colorado Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Top 10 Large Auto Insurance Companies Overall in Colorado
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Top Companies for Nissan Rogue Insurance in Colorado
Enter your zip code below to view companies that have cheap auto insurance rates.
Driving violations and accidents
The common sense way to get the best car insurance rates for a Rogue is to drive attentively and avoid accidents and keep your driving record clean. The illustration below illustrates how speeding tickets and fender-benders can drive up annual premium costs for each different age category. The premiums assume a married male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of car insurance in Colorado per year with no accidents or violations is $2,296. Add in two speeding tickets and the average cost swells to $3,182, an increase of $886 each year. Now add one accident along with the two speeding tickets and the yearly cost of car insurance for a Nissan Rogue jumps again to an average of $4,090. That’s an increase of $1,794, or $150 per month, just for not driving carefully!
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The information below demonstrates how deductibles can increase or decrease insurance rates when quoting cheap insurance for a Nissan Rogue. The data is based on a married male driver, comp and collision included, and no other discounts are factored in.
As shown above, a 40-year-old driver could lower their car insurance rates by $292 a year by increasing from a $100 deductible up to a $500 deductible, or save $444 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could roll back prices up to $978 each year just by choosing higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it is necessary to have enough spare savings to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Discounts on Colorado insurance
Insurance companies that provide cheap insurance for a Nissan Rogue in Colorado may have special discounts that can reduce rates by as much as 25% or more if you meet specific criteria. Larger car insurance companies and some of the premium reductions they offer are detailed below.
|Discount||Progressive||Geico||State Farm||Allstate||Liberty Mutual||Farmers|
|Paid in full||Yes||Yes||No||Yes||Yes||Yes|
|Student away from home||Yes||No||Yes||Yes||Yes||Yes|
|Own a home||Yes||No||No||No||No||Yes|
|Seat belt use||No||Yes||No||No||No||No|
|Get Quotes Go|
The diagram below illustrates the difference between car insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, no claims, a clean driving record, Colorado state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, anti-theft, multiple vehicle, marriage, claim-free, and accident-free discounts applied. When these discounts are applied to the policy premium, the average yearly reduction on car insurance for a Nissan Rogue is % or $.
Who has the cheapest Nissan Rogue insurance quotes?
Due to technology, there are many ways to compare cheaper car insurance rates in Colorado, but the most preferred methods are from a non-exclusive or independent agent, an exclusive insurance agent such as Auto-Owners or State Farm, or buying direct from a company like Geico or Progressive.
You can use whichever you prefer, but buyers need to know the differences in how they price policies.
Independent agents work for many companies and can do rate comparisons with all of them. They possess the freedom to quote rates with many companies, which may give you better odds of saving money. If your premiums go up, it’s simple to move the policy and you can remain with the same agent.
Exclusive agents are only able to quote your policy with one insurance company, a couple examples are State Farm and Allstate agents. These agents are unable to provide rates from more than one company, which does not give you the best rate comparison.
Car insurance from a direct company means you skip an exlusive or independent agent and instead shop buying direct from a company like Esurance or Progressive. Shopping direct may be the best choice families who have limited assets and have knowledge of what specific coverages and deductibles they need.
So what is the best way to find cheap insurance for a Nissan Rogue in Colorado? It would be obvious to point out buying from a direct car insurance company saves the most money because there are no middleman commissions, but that is not always the case. And we’d like to say an independent agency can save the most money since they have access to many companies, but that is not accurate either. And sometimes, the exclusive agents have coverage prices that are the cheapest in Colorado.
Due to that fact that car insurance uses so many rating variables, the one way to buy the cheapest coverage is to obtain price quotes and compare them. Take some time and get quotes from all three in order to be able to find the lowest price. A great place to start is our list of online companies offering discounts: click here to view.
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