Who Has the Cheapest Insurance for a Nissan Rogue in New York?
The chances of buying the cheapest coverage for a Nissan Rogue in New York is dependent upon a complicated rating formula that uses factors like annual miles driven, where your vehicle is garaged, and deductible levels for physical damage coverage. New York drivers pay an average of $780 per year to buy Nissan Rogue insurance, but that rate is using rating data for a 30-year-old married male that purchased full coverage including both comprehensive and collision and $250 deductibles.
There is a high likelihood that you are not a 30-year-old male, single instead of married, and you probably do not live in the same zip code as the example. Everone’s needs are different, and this illustrates why the way we recommend to find the cheapest coverage for your Nissan is to compare rates from as many companies as possible.
Your vehicle’s trim level can impact the yearly cost, so the rate you pay to insure a Rogue S 2WD will be $62 less than the price to insure the more costly Rogue SL AWD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$204||$344||$300||$18||$90||$956||$80|
|Rogue S AWD||$204||$344||$300||$18||$90||$956||$80|
|Rogue SL 2WD||$204||$344||$300||$18||$90||$956||$80|
|Rogue SL AWD||$204||$406||$300||$18||$90||$1,018||$85|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in garaging location in New York which can modify premium rates noticeably.
Buying coverage from the highest-rated insurance company can be rather challenging considering how many companies sell insurance in New York. The company rank data in the next section could help you pick which providers to look at when comparing rate quotes.
The ratings below are only comprised of companies with a national presence, so smaller companies will not be included in these rankings. To compare price quotes from these and other top-rated companies, click this link.
Top 10 Major Auto Insurance Providers in New York Ranked by Claims Service
- Liberty Mutual
- State Farm
- The General
- The Hartford
- 21st Century
Top Companies for Nissan Rogue Insurance in New York
The information below highlights how deductible choice can change premium costs when researching cheap insurance for a Nissan Rogue. The premiums are based on a married female driver, comp and collision included, and no discounts are applied.
In the chart above, a 30-year-old driver could cut expenses by $252 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $380 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, could roll back prices up to $536 each year by using a higher deductible.
When choosing a higher deductible, it is a good idea to have enough savings set aside to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Impact of citations and accidents on insurance rates
In a perfect world, the best way to get the cheapest insurance for a Nissan Rogue in New York is to pay attention while driving and have a clean driving record. The illustration below highlights how speeding tickets and accidents can impact insurance costs for each age group. The premiums are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.
In the chart above, the average cost of an auto insurance policy per year with no accidents or violations is $1,806. Get two speeding tickets and the average cost jumps to $2,423, an increase of $617 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Nissan Rogue goes up to an average of $4,689. That’s an increase of $2,882, or $240 per month, just for not driving carefully!
Discounts on the cheapest insurance for a Nissan Rogue in New York
Insurers that sell policies for a Nissan Rogue may have price discounts that could potentially reduce rates by as much as 40% or more if you qualify. A list of companies and some of the premium reductions they offer are shown below.
- State Farm includes discounts for Drive Safe & Save, multiple autos, defensive driving training, passive restraint, multiple policy, anti-theft, and good student.
- GEICO may offer discounts for driver training, daytime running lights, defensive driver, seat belt use, air bags, and five-year accident-free.
- Liberty Mutual may have discounts that include multi-car, preferred payment discount, new graduate, good student, newly married, and new vehicle discount.
- The Hartford has savings for defensive driver, vehicle fuel type, bundle, air bag, anti-theft, and driver training.
- MetLife offers discounts for good student, accident-free, claim-free, good driver, multi-policy, and defensive driver.
- Progressive offers premium reductions for online signing, multi-policy, homeowner, multi-vehicle, online quote discount, and continuous coverage.
The diagram below shows the difference between yearly insurance costs with and without discounts applied to the rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, New York state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, vehicle safety, marriage, passive restraint, claim-free, and accident-free discounts applied. When taking advantage of discounts, the amount saved on car insurance for a Nissan Rogue is 28% or $443.
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