Who Has the Cheapest Car Insurance Rates for a Nissan Rogue in Arlington?

Finding the best cheap coverage for a Nissan Rogue is dependent upon a complicated formula that considers factors such as the mileage of your daily commute, if you are a frequent claim filer, and any prior driving offenses you have. Drivers in Texas will pay on average $994 annually for Rogue insurance, but that price is a valuation using a 30-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.

There’s a good chance you are not 30 and maybe not even a male, single instead of married, or maybe you need higher liability limits than the state minimum. There is no one cookie-cutter policy that works for everyone, so the only real way to find the most affordable coverage for your Nissan is to do your own rate comparisons. Do a quick rate comparison now and you can get rates from the cheapest companies in Texas.

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The trim level of your Rogue will have an impact the annual cost of coverage, so the cost to insure a Rogue S 2WD trim level will be $72 cheaper than the insurance cost for the higher-end Rogue SL AWD model, as shown in the prices below.

Nissan Rogue Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $240 $400 $430 $26 $128 $1,224 $102
Rogue S AWD $240 $400 $430 $26 $128 $1,224 $102
Rogue SL 2WD $240 $400 $430 $26 $128 $1,224 $102
Rogue SL AWD $240 $472 $430 $26 $128 $1,296 $108
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in specific zip code location which can impact coverage prices significantly.

Insuring your vehicle with a good quality car insurance company can be challenging considering how many companies there are to choose from in Texas. The information in the lists below may help you select which auto insurers you want to consider when shopping your coverage around. These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Texas or surrounding areas are not taken into consideration for these rankings.

Top Ten Insurance Companies for a Nissan Rogue in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

The illustration below illustrates how your choice of deductibles can impact yearly insurance costs when quoting cheap insurance for a Nissan Rogue. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

The chart above illustrates that a 40-year-old driver could cut expenses by $352 a year by changing from a $100 deductible to a $500 deductible, or save $528 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could lower their rates $870 each year by choosing a higher deductible. If you do decide to increase your deductibles, it will be required to have plenty of discretionary funds to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Liability only or full coverage

Buying cheaper insurance is important to most vehicle owners, and one of the quickest ways to buy cheaper insurance for a Nissan Rogue is to buy liability only. The diagram below visualizes the comparison of insurance premiums with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $2,028 per year over and above liability coverage. That brings up the question if paying for full coverage is worth it. There is no clear-cut rule of when to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement cost is $12,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $11,000 after paying your deductible. If you are currently paying more than $1,100 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

How to find budget-friendly insurance for a Nissan Rogue

It is possible to find better rates, and here are a few penny-pinching solutions that can help Arlington drivers quote cheaper coverage.

That last idea is incredibly valuable, as we emphasized in this piece. Prices charged by car insurance companies vary considerably, so don’t be unwilling to switch companies if a cheaper price is available.

Being loyal to a particular company is commendable, but it isn’t a good idea if that loyalty results in overpaying lots of money. In just a couple of minutes you could compare rates to find cheaper insurance for a Nissan Rogue in Arlington.