Who Has the Cheapest Insurance for a Nissan Rogue in Iowa?
Enter your Iowa zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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The chances of buying cheap insurance for a Nissan Rogue in Iowa is dependent upon a complicated rating formula that uses factors like when you were born, whether or not you have filed claims in the past, and any prior driving offenses. Iowa drivers will pay on average $590 per year to insure a Rogue, but that rate is a projection using cost data for a 50-year-old single female that includes full coverage including both comprehensive and collision and $1,000 policy deductibles.
There is a high likelihood that you are not 50 years old and maybe not even female, maybe you are married instead of single, or maybe you are just looking for cheap liability insurance. Even a slight change in policy rating variables can result in big changes in the rate quoted for a Nissan Rogue.
Everyone has different rating factors, so the best method for finding affordable rates for your Nissan is to start the habit of comparing rates at least once a year.
The specific model of Rogue will be a contributing factor to the yearly cost, so the price you pay to insure a Rogue S 2WD model will be $36 cheaper than the price to insure the more well-appointed Rogue SL AWD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$102||$200||$318||$18||$96||$734||$61|
|Rogue S AWD||$102||$200||$318||$18||$96||$734||$61|
|Rogue SL 2WD||$102||$200||$318||$18||$96||$734||$61|
|Rogue SL AWD||$102||$236||$318||$18||$96||$770||$64|
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in your specific Iowa location which can lower or raise coverage prices significantly.
What is the best auto insurance company in Iowa?
Picking a good quality insurer can be difficult considering how many different companies there are to choose from in Iowa. The rank data shown below may help you analyze which auto insurers to look at when comparing auto insurance rates for a Nissan Rogue.
These rankings are only made up of major nationwide insurance companies, so companies that may only write in Iowa are not factored into the list. To get price quotes from the insurers below and more, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Iowa auto insurance rates
Car insurance companies that sell the cheapest insurance for a Nissan Rogue in Iowa may also give you policy discounts that may potentially lower prices by as much as 30% if you qualify for them. The best auto insurance companies and a partial list of their discounts are:
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|Discount||State Farm||Allstate||Progressive||Geico||Liberty Mutual|
|Defensive driving course||Yes||Yes||Yes||Yes||No|
|Student at college||Yes||Yes||Yes||No||Yes|
|Own a home||No||No||Yes||No||No|
|Seat belt use||No||No||No||Yes||No|
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The chart below shows the difference between yearly insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no claims or violations, Iowa state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, safe-driver, multiple policy, homeowner, accident-free, and marriage discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Nissan Rogue is 32% or $409.
The diagram below shows how choosing a deductible can change yearly insurance costs when trying to find cheap insurance for a Nissan Rogue. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
A 50-year-old driver could lower rates by $246 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $372 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, can cut up to $810 each year by selecting a higher deductible. If you do decide to increase your deductibles, it will be necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How careless driving impacts auto insurance rates
A great way to enjoy affordable auto insurance premiums in Iowa for a Rogue is to be a good driver and avoid accidents and violations. The diagram below shows how violations and accidents can drive up auto insurance rates for each different age category. The premiums assume a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of auto insurance in Iowa per year with no violations or accidents is $1,277. Receive two speeding tickets and the average cost jumps to $1,695, an increase of $418 each year. Then add one accident along with the two speeding tickets and the annual cost of auto insurance for a Nissan Rogue goes up to an average of $2,124. That’s an increase of $847, or $71 per month, just for not keeping your driving record clean!
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