Buying economical coverage for a Nissan Rogue is pretty easy for most people to do, but it relies on a very complex rating algorithm that uses multiple factors such as how old the Rogue is, your claims history, and the deductible amount you use. Drivers will pay on average $776 a year for Rogue insurance, but that amount is a projection based on a 50-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you're not a 50-year-old female, single instead of married, or maybe you want more liability coverage than is required by law in Indiana. Even a minor difference in rating factors or requested coverage amount may result in a big change in the price of a policy.
Not every driver requires the same auto insurance coverages, so the best way to find affordable rates for your Nissan is to compare rates from as many companies as possible. To cut your rates now, get a free quote and you will receive price comparisons from some of the best companies that sell coverage in Indiana.
The trim level of your Rogue tends to have a direct impact on the coverage cost, so the price you pay to insure a Rogue S 2WD model will cost $64 less than the price to insure the high end Rogue SL AWD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$186||$362||$298||$18||$90||$954||$80|
|Rogue S AWD||$186||$362||$298||$18||$90||$954||$80|
|Rogue SL 2WD||$186||$362||$298||$18||$90||$954||$80|
|Rogue SL AWD||$186||$426||$298||$18||$90||$1,018||$85|
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Information does not factor in specific Indiana garaging location which can alter coverage rates considerably.
Finding dependable, low-cost insurance is hard enough, and figuring out which companies quote the lowest-priced auto insurance rates for a Nissan Rogue in Indiana will take more quotes for comparison. Each insurance company uses slightly different criteria to set premium rates, so we'll take a look at the lowest cost auto insurance companies in Indiana.
Keep in mind that Indiana auto insurance rates are impacted by many factors that control the price you have to pay. Improving your credit score, buying a new vehicle, or getting a couple of tickets can cause premium changes that can now make some companies much higher than others.
Find the Best Cheap Insurance for Your Nissan
|Rank||Company||Cost Per Year|
|7||Indiana Farmers Mutual||$875|
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Travelers may have some of the lowest car insurance rates in Indiana at around $596 annually. This is $644 less than the average premium paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve also make the cut as some of the cheaper Indiana auto insurance companies.
As the example above demonstrates, if you currently have a policy with Erie and switched to Travelers, you might achieve a yearly price reduction of in the vicinity of $130. Insureds with Western Reserve may save as much as $242 a year, and The Hartford policyholders might reduce prices by as much as $267 a year.
If you would like to find cheaper car insurance rates, click here to get quotes or visit any of the low-priced companies below.
It's important to note that these premium estimates are averages across all insureds and vehicles and do not take into consideration a specific rate value for a Nissan Rogue. So the company that is most affordable for your situation may not even be in the top 36 companies in the list above. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
Get discounts on Indiana car insurance
Insurance providers that offer coverage for a Nissan Rogue may also give you rate discounts that can reduce rates by 40% or more if you meet eligibility requirements. A few popular companies and their possible discounts are included below.
- Farmers Insurance may offer discounts for multi-car, electronic funds transfer, bundle discounts, homeowner, early shopping, good student, and alternative fuel.
- State Farm discounts include multiple policy, multiple autos, safe vehicle, passive restraint, and anti-theft.
- Liberty Mutual may include discounts for multi-car, new graduate, newly retired, multi-policy, and teen driver discount.
- MetLife includes discounts for multi-policy, defensive driver, accident-free, claim-free, good student, and good driver.
- Progressive may have discounts that include multi-policy, online signing, online quote discount, good student, multi-vehicle, homeowner, and continuous coverage.
The diagram below illustrates the comparison of insurance prices with and without discounts applied to the policy rates. The data is based on a female driver, a clean driving record, no at-fault accidents, Indiana state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, anti-theft, claim-free, multiple policy, vehicle safety, and homeowner discounts applied. With discounts applied, the average savings per year on auto insurance for a Nissan Rogue is 28% or $443.
The diagram below shows how different deductible levels can impact insurance costs when getting quotes for cheap insurance for a Nissan Rogue in Indiana. The costs are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
A 30-year-old driver could lower their policy premium by $306 a year by switching from a $100 deductible to a $500 deductible, or save $460 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, could roll back prices as much as $678 or even more just by choosing higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it is important to have plenty of money set aside to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Last year's bargain might be this year's rip off
Indiana auto insurance rates are influenced by many factors that can increase the price you pay for coverage. Simply having another birthday, becoming a homeowner, or getting a driving violation may generate price changes resulting in some rates now being much cheaper than others. Not only that, but companies change rates as often as every three months in order to be able to pay unexpected claims. Higher than usual claims can cause higher priced premiums, while lower claims may produce lower-priced Rogue insurance rates.
To illustrate this point, the graph below demonstrates which company has the cheapest car insurance in Indiana for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. When comparing rates based on her personal profile, Travelers has the most affordable car insurance rates in Indiana at $596 per year. This is $644 less than the average policy premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual are the remainder of the best Indiana auto insurance companies.
Now we will pretend the driver from the first set of rates some claims, a lower credit score, and a blemish on her driving record. Because each company has a different formula for determining prices, comparing quotes may now result in a different ranking of affordable companies as shown below.
The Hartford now has the best car insurance rate in Indiana with Auto-Owners, State Farm, Cincinnati Insurance, and Motorists Mutual now being in the top five. This example demonstrates why Indiana drivers need to do a thorough rate comparison when trying to get affordable insurance rates for a Nissan Rogue. Auto insurance prices are calculated by many different factors and can change without notice, so the best option two years ago may now be priced much higher than other options.
How to find more affordable car insurance for a Nissan Rogue in Indiana
Here are some of the better thrifty ideas that can help Indiana drivers buy lower-cost car insurance.
- Save money by insuring older vehicles for liability only
- Buy your auto and home insurance from the same company and save
- Safer vehicles cost less to insure
- Improve your credit score
- Earn a discount by not filing claims
- Higher comprehensive and collision coverage deductibles will save money
- Keep rates low by shopping around frequently
The last suggestion is especially vital, as we pointed out in the article above. Prices charged by auto insurers change a lot, so don't be unwilling to change insurance companies if you find a better deal.
Staying with the same company for years is fine, but it's not recommended if that inflexibility results in costing you a wad of cash every year. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for a Nissan Rogue.