Nissan Rogue insurance cost image courtesy of QuoteInspector.com
Finding the best cheap coverage for a Nissan Rogue relies on a very complex rating algorithm that uses multiple factors such as how many miles you drive each year, whether or not you have prior claims, and if you have a history of accidents. New Jersey drivers will pay on average $1,148 annually for Rogue insurance, but that is an estimation calculated using a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
The issue that arises when projecting rates is that it's very likely that you may not be 50 years old (or even female), you might be married instead of single, and maybe you want higher deductibles. Just a very minor change in the rating criteria used to formulate rates can result in a massive change in the policy cost.
Auto insurance requires individual risk assessment, so the only way to find cheap auto insurance rates for your Nissan is to just compare rates yourself. In just a few minutes you will receive rate quotes from some of the cheapest companies in New Jersey.
Your Nissan's trim level will be a contributing factor to price, so the rate you will pay to insure a Rogue S 2WD will be $68 less than the price to insure the higher-end Rogue SL AWD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$198||$386||$614||$36||$184||$1,418||$118|
|Rogue S AWD||$198||$386||$614||$36||$184||$1,418||$118|
|Rogue SL 2WD||$198||$386||$614||$36||$184||$1,418||$118|
|Rogue SL AWD||$198||$454||$614||$36||$184||$1,486||$124|
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in your specific Newark location which can increase or decrease coverage prices considerably.
Choosing the highest-rated car insurance company can be challenging considering how many different insurance companies sell coverage in New Jersey. The ranking information shown next can help you pick which companies you want to consider when buying insurance for a Nissan Rogue.
These rankings are only comprised of companies that write coverage in many states, so smaller companies are not taken into consideration for this list. If you'd like to compare prices and find cheaper insurance for a Nissan Rogue, click this link.
|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
Drive responsibly or pay higher rates
The easiest method to enjoy affordable auto insurance rates in Newark for a Rogue is to be an attentive driver and maintain a clean driving record. The example below demonstrates how speeding tickets and fender-benders raise auto insurance rates for different age groups. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
In the prior example, the average cost of a car insurance policy in Newark per year with a clean driving record and no accidents is $2,559. Factor in one speeding ticket and the average cost rises to $2,906, an increase of $347 each year. Then include two accidents along with the one speeding ticket and the annual cost of auto insurance for a Nissan Rogue increases to an average of $6,186. That's an increase of $3,627, or $302 per month, just for not being attentive to the road!
Get discount Newark car insurance rates
Insurance providers that provide policies for a Nissan Rogue may also offer special discounts that could reduce prices by as much as 40% or more if you meet the requirements. Popular auto insurance companies and a selection of discounts can be read below.
- State Farm offers premium reductions for driver's education, good student, good driver, student away at school, multiple autos, and defensive driving training.
- GEICO may offer discounts for multi-policy, five-year accident-free, membership and employees, military active duty, good student, daytime running lights, and seat belt use.
- Allstate has savings for passive restraint, anti-lock brakes, auto/life discount, premier plus, EZ pay plan discount, and utility vehicle.
- SAFECO may have discounts that include drive less, bundle discounts, homeowner, anti-theft, and teen safe driver.
- Farm Bureau has discounts for multi-vehicle, good student, safe driver, 55 and retired, renewal discount, and youthful driver.
- Progressive discounts include homeowner, online quote discount, continuous coverage, multi-policy, and good student.
- AAA includes discounts for good student, multi-policy, AAA membership discount, pay-in-full, and multi-car.
The information below illustrates the comparison of car insurance rates with and without discounts applied to the rates. The information is based on a female driver, a clean driving record, no claims, New Jersey state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, passive restraint, safe-driver, vehicle safety, accident-free, and marriage discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for a Nissan Rogue is 28% or $759.
Why you should be shopping around
New Jersey auto insurance rates are impacted by many factors that control the price of coverage. Simply improving your credit, having a teenage driver, or getting a ticket for running a stop sign can cause premium changes that can cause some rates to be more affordable than the competition. Not only may your situation change, but insurers change the rates they charge in New Jersey at least once a year in order to be able to pay unexpected claims. Higher than normal claim frequency or severity may result in more expensive prices, while lower claims can produce lower-priced Rogue insurance rates.
For example, the data below shows the company with the cheapest car insurance in Newark, NJ for a 35-year-old female driver with no violations or accidents, and a good credit history. If we estimate prices based on her current risk factors, 21st Century might quote the best car insurance rates in Newark at $1,640 annually. This is $212 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the remaining cheapest Newark, NJ auto insurance companies.
Now we will give the driver from the first set of rates a couple of claims, a lower credit rating, and a speeding ticket. Since every car insurance company uses their own formula for determining prices, analyzing rates most likely will result in a slightly different list of the cheapest Newark car insurance companies as shown below.
California Casualty now has the best price on car insurance in Newark with The Hartford, USAA, Mercury, and Travelers now rounding out the top five. This demonstrates why it is crucial to perform an extensive rate comparison to find cheap car insurance quotes for a Nissan Rogue. Prices are influenced by many different factors and can change without notice, so the cheapest company the last time you compared rates may now be one of the higher cost companies.
How to find more affordable auto insurance for a Nissan Rogue
The list below shows some money-saving solutions that can help New Jersey drivers quote low-cost coverage.
- Increase your credit score
- Save money by staying claim-free
- Avoid accidents and claims
- You will pay more if you get tickets or have at-fault accidents
- Get cheaper liability coverage by choosing a safer vehicle
- Shop around once a year for cheaper rates
That last piece of advice is particularly necessary, as was discussed in this piece. Prices adjust often, so you should be ready to buy from a new company if a more affordable rate is found.
Having a favorite company is great, but it's not a good idea if your bullheadedness ends up costing you a lot of money. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for a Nissan Rogue in Newark.
If you aren't sure which coverage you need and prefer to get some professional input when buying car insurance for a Rogue, the agents listed below can help you make a decision which insurance coverage you need. To locate an agency close to you, click the button link following the list or click here to compare price quotes.
AMC Insurance Inc
Newark, NJ 07106 - Newark, NJ 07106 - (973) 373-3300
568 Broadway # B - Newark, NJ 07104 - (973) 482-5898
Abbott/Milano Insurance Agency
9 Frank E Rodgers Blvd S - Harrison, NJ 07029 - (973) 350-9999
306 Chestnut St - Newark, NJ 07105 - (973) 344-6203
583 Central Ave - Newark, NJ 07107 - (973) 350-7850