Finding cheap coverage for a Nissan Rogue is pretty simple, but it relies on a complicated rating formula that uses factors such as how old the vehicle is, the performance level of your vehicle, and driving violations and tickets. Drivers will pay on average $1,388 each year for Rogue insurance, but that cost is an approximation calculated based on a 50-year-old single female driver with full physical damage coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 50-year-old female, maybe you are married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Have just a small change in the factors used in pricing a policy could result in a significant change in the cost of insurance.
Not every driver requires the same auto insurance coverages, so the best way to find cheap auto insurance rates for your Nissan is to do a thorough rate comparison. Get your free quotes now and you will be able to see rates from the cheapest companies around.
The specific trim level has an effect on the insurance rate, so the price you will pay to insure a Rogue S 2WD model will be $106 lower than the cost to insure the fancier Rogue SL AWD model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $308 | $592 | $594 | $36 | $178 | $1,708 | $142 |
| Rogue S AWD | $308 | $592 | $594 | $36 | $178 | $1,708 | $142 |
| Rogue SL 2WD | $308 | $592 | $594 | $36 | $178 | $1,708 | $142 |
| Rogue SL AWD | $308 | $698 | $594 | $36 | $178 | $1,814 | $151 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific location which can revise prices greatly.
Choosing a highly-rated auto insurance company is hard considering how many choices there are in Louisiana. The rank data below may help you decide which companies to look at putting your business with.
The rankings below are only comprised of companies that write coverage in many states, so companies with more of a regional focus are not taken into consideration for this list. If you’d like to compare prices from these top-rated insurers and more, follow this link.
Top 10 Large Auto Insurers in New Orleans Ranked by Value
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- Progressive
- 21st Century
- The General
- Esurance
- USAA
- State Farm
Top 10 Large Auto Insurers in New Orleans Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
- GEICO – 87%
- 21st Century – 84%
Rate difference between full and liability-only coverage
Buying cheaper insurance is the goal of most people, and one good way to save on the cost of insurance for a Nissan Rogue is to not buy full coverage. The diagram below shows the difference between auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Louisiana. The rates are based on no violations or accidents, $500 deductibles, drivers are single, and no additional discounts are factored in.
As an average for all age groups, comp and collision coverage costs an extra $2,751 per year more than just insuring for liability. That raises the question when is it safe to stop buying full coverage. There is no exact formula that is best for determining when to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
Chances are good that you’re overpaying for Rogue insurance
New Orleans, LA insurance rates are impacted by many things which can substantially decrease or increase the price you pay. Improving your credit score, having a teenage driver, or getting a ticket for running a stop sign can cause premium changes that can cause some rates to be cheaper than others.
And not only may your rating factors change, but car insurance companies file new Louisiana car insurance rates without warning to adjust for heavy claims or excess profits. Heavier than normal losses may cause rate hikes, while lower claim expenses may cause cheaper Rogue insurance rates.
The chart below demonstrates which company has the cheapest car insurance in New Orleans, LA for a 40-year-old female driver with a good driving record, no prior claims, and a good credit history. If we look at prices based on her personal risk profile, USAA may offer the lowest car insurance rates in New Orleans at $2,646 annually. This is $232 more than the average policy premium paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Safeway round out the rest of the top five cheapest New Orleans, LA auto insurance companies.
Let’s now give the driver from above some claims, slightly worse credit, and a speeding ticket. Due to the fact that every auto insurer has a proprietary method for determining rates, analyzing rate quotes could now result in a different set of affordable companies as shown below.
California Casualty now has the best price on car insurance in New Orleans, LA with USAA, State Farm, GEICO, and Safe Auto also being competitive. This example demonstrates why it is so important to shop around with many companies to find the most economical car insurance quotes for a Nissan Rogue. Insurance rates are made up of many things and change substantially, so the cheapest rate the last time you checked may now be an over-priced policy.
How to find economical car insurance for a Nissan Rogue
The list below details some penny-pinching ideas that can help New Orleans drivers get low-cost auto insurance.
- Increase your credit score
- Buying your home and auto policies from the same company can earn a discount
- Vehicles with safetly features generally cost less to insure
- Full coverage may not be needed on older vehicles
- Drive attentively and avoid accidents
- Comparison shop at least once a year
That last tip is certainly significant, as was pointed out in the prior article. Car insurance rates adjust often, so don’t be hesitant to buy from a new company if you find a better deal.
Many consumers stick with the same company and that’s fine, but it’s not recommended if it’s costing you lots of hard earned cash every month. Take a few minutes and shop around to find cheaper auto insurance for a Nissan Rogue in New Orleans.