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Who Has Cheap Insurance Quotes for a Nissan Rogue in Michigan?

Enter your Michigan 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 Michigan depends upon things such as whether or not you are married, your profession, and the level of deductible you choose. Drivers in Michigan pay an average rate of $2,780 annually for Rogue insurance, but that policy rate is an estimate using rate data for a 30-year-old single female driver that wants full physical damage coverage and $100 deductibles.

There’s a high likelihood you are not a 30-year-old female, married instead of single, or maybe your Rogue is old enough that it doesn’t require full coverage. Everone’s needs are different, and this illustrates why your best shot at finding cheap car insurance rates for your Nissan is to do the rate comparisons yourself.

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

Your Nissan’s trim level will most likely have an effect on the coverage cost, so the price you will be charged to insure a Rogue S 2WD model will be $236 lower than the insurance cost for the more well-appointed Rogue SL AWD version, as shown in the table below.

Nissan Rogue Insurance Rates in Michigan
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $660 $1320 $1054 $62 $316 $3,412 $284
Rogue S AWD $660 $1320 $1054 $62 $316 $3,412 $284
Rogue SL 2WD $660 $1320 $1054 $62 $316 $3,412 $284
Rogue SL AWD $660 $1556 $1054 $62 $316 $3,648 $304
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in zip code location which can decrease or increase coverage prices greatly.

Finding good, low-cost insurance is confusing at best, and finding out which company has the cheapest auto insurance rates for a Nissan Rogue involves even more perseverance. Each insurer has their own formula for determining prices, so we’ll go over the most affordable auto insurance companies in Michigan.

It’s a good idea to be aware that Michigan auto insurance rates are based on many factors that can increase the price you have to pay for coverage. Improving your credit rating, buying higher coverage limits, or getting a speeding ticket can produce rate changes resulting in some rates now being much higher than others.

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Cheapest auto insurance in Michigan ranked by cost per year
Rank Company Cost Per Year
1 USAA $978
2 GEICO $1,003
3 Safeco $1,047
4 MetLife $1,364
5 Chubb $1,414
6 MEEMIC $1,436
7 Pioneer State Mutual $1,444
8 Hastings Mutual $1,627
9 Auto-Owners $1,652
10 Frankenmuth $1,662
11 SECURA $1,796
12 Progressive $1,866
13 Wolverine Mutual $2,212
14 Allied $2,332
15 Grange Mutual $2,345
16 Allmerica $2,386
17 Hanover $2,399
18 Auto Club Group $2,464
19 Nationwide $2,618
20 Farm Bureau $2,678
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USAA offers some of the lowest car insurance rates in Michigan at around $978 a year. GEICO, Safeco, MetLife, and Chubb would also be considered some of the cheapest Michigan auto insurance companies.

As shown in the rates above, if you buy coverage from Safeco and switched to USAA, you might see annual savings of roughly $69. Michigan drivers with MetLife could save as much as $386 a year, and Chubb insureds might realize rate reductions of up to $436 a year.

To find out how much you can save, click here to start a quote or click through to the companies below.

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

Be aware that those premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Nissan Rogue. So the company that can offer the best rates for your situation may not even be included in the above rate chart. That’s why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Auto insurance rates are higher with tickets and accidents

The ideal way to maintain low auto insurance rates in Michigan for a Rogue is to drive safely and have a clean driving record. The diagram below shows how traffic citations and at-fault fender-benders can impact yearly insurance costs for different age groups of insureds. The data is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

The chart shows that the average cost of car insurance in Michigan per year with a clean driving record and no accidents is $4,193. Receive two speeding tickets and the average cost increases to $5,806, an increase of $1,614 each year. Now get two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Nissan Rogue goes up to an average of $11,717. That’s an increase of $7,524, or $627 per month, just for not driving carefully!

Rate comparison of full coverage and liability-only

Finding cheap insurance for a Nissan Rogue in Michigan is probably important to the majority of people, and one of the fastest ways to pay lower rates for insurance is to only buy liability insurance. The information below compares car insurance rates when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Averaged for all age groups, full coverage on your policy costs an extra $4,318 per year more than just insuring for liability. At some point, every insured wonders if buying full coverage is a waste of money. There is no exact formula of when to eliminate comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

State Farm, Geico, Allstate, and Progressive compared

If you want reliable insurance for a Rogue in Michigan, some of the largest companies to start with are State Farm, Geico, Allstate, and Progressive. Each one has unique options and discounts that shoppers can select from. The next table shows some of the different features that are available from each company.

Top Car Insurance Company Ratings
State Farm Geico Allstate Progressive
Overall Price 2nd 1st 4th 3rd
Handling of Claims 2nd 3rd 1st 4th
Policy Discounts 3rd 2nd 1st 4th
Overall Satisfaction 4th 1st 2nd 3rd
Percent of U.S. market 18.3% 11.4% 10% 8.8%
Percent of customers who recommend 88% 87% 86% 88%
A.M. Best financial rating A++ A++ A+ A+
New car replacement coverage No No Yes No
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness coverage No Yes Yes Yes
Rideshare coverage Yes Yes Yes Yes
Usage-based rating Yes No Yes Yes
Mechnical breakdown No Yes No Yes
Offered in Michigan Yes Yes Yes Yes
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