Finding cheaper car insurance for a Nissan Rogue relies on a complicated rating formula that uses factors such as your age, if you have a tendency to file claims, and any past driving violations you may have had. Tennessee drivers will pay around $755 a year to insure their Rogue, but that is an approximation using a 30-year-old married male driver with full physical damage coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 30 years old or even a male, you might be single instead of married, or maybe you need higher liability limits than the state minimum. Different coverage needs are the reason why the only way to find affordable rates for your Nissan is to do your own rate comparisons.
Compare Nissan Rogue Insurance Rates
The specific trim level will most likely have an effect on the coverage cost, so the price you pay to insure a Rogue S 2WD will be $54 less than the insurance cost for the fancier Rogue SL AWD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $182 | $304 | $326 | $20 | $98 | $930 | $78 |
| Rogue S AWD | $182 | $304 | $326 | $20 | $98 | $930 | $78 |
| Rogue SL 2WD | $182 | $304 | $326 | $20 | $98 | $930 | $78 |
| Rogue SL AWD | $182 | $358 | $326 | $20 | $98 | $984 | $82 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in vehicle location which can impact price quotes greatly.
Finding affordable auto insurance is hard enough, and finding out which companies offer the cheapest auto insurance rates for a Nissan Rogue will involve even more rate comparisons. Every insurance company has a proprietary formula for setting rates, so first we will examine the lowest cost auto insurance companies in Nashville, TN.
It’s important that readers know that Nashville auto insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Improving your credit rating, increasing liability limits, or having a fender bender can cause premium changes that may make certain companies more affordable than before.
Find the Best Cheap Insurance for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $767 |
| 2 | Cincinnati Insurance | $858 |
| 3 | Auto-Owners | $861 |
| 4 | Penn National | $908 |
| 5 | Tennessee Farmers | $923 |
| 6 | USAA | $929 |
| 7 | Erie | $987 |
| 8 | Allied | $1,029 |
| 9 | Nationwide | $1,042 |
| 10 | Westfield | $1,069 |
| 11 | GEICO | $1,122 |
| 12 | State Farm | $1,177 |
| 13 | Progressive | $1,178 |
| 14 | Travelers | $1,201 |
| 15 | Direct General | $1,201 |
| 16 | State Auto | $1,204 |
| 17 | The Hartford | $1,208 |
| 18 | Shelter | $1,235 |
| 19 | 21st Century | $1,274 |
| 20 | Chubb | $1,316 |
| Get Personalized Rates Go | ||
Utica National normally has some of the cheapest car insurance rates in Nashville at around $767 each year. This is $561 less than the average rate paid by Tennessee drivers of $1,328. Cincinnati Insurance, Auto-Owners, Penn National, and Tennessee Farmers also make the cut as some of the cheapest Nashville, TN car insurance companies.
As shown in the table above, if you currently buy coverage from Auto-Owners and switched to Utica National, you may see yearly savings of in the vicinity of $94. Customers with Penn National may save as much as $141 a year, and Tennessee Farmers customers might cut rates by $156 a year.
Be aware that those estimates are averages for all insureds and vehicles and do not take into consideration a vehicle location for a Nissan Rogue. So the auto insurance company that has the cheapest rates for you may not even be in the top 30 companies in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
Tickets and at-fault accidents raise rates
The recommended way to find low auto insurance rates for a Rogue is to be an attentive driver and avoid accidents and traffic violations. The illustration below illustrates how traffic citations and at-fault fender-benders increase auto insurance rates for each different age category. The information is based on a married female driver, full coverage, $250 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of a car insurance policy in Tennessee per year with no accidents or violations is $1,467. Get two speeding tickets and the average cost increases to $2,082, an increase of $614 each year. Then add in two accidents along with the two speeding tickets and the annual cost of auto insurance for a Nissan Rogue jumps again to an average of $4,426. That’s an increase of $2,958, or $247 per month, just for not paying attention while driving!
The information below shows how choosing a deductible can raise or lower insurance rates when searching for cheap insurance for a Nissan Rogue. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
The data above shows that a 50-year-old driver could reduce rates by $274 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $414 by changing to a $1,000 deductible. Young drivers, like the age 20 example, can cut as much as $696 each year by using higher deductibles when buying full coverage.
If you do raise deductibles, it is a good idea to have spare funds to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.
Chances are good that you’re overpaying for Rogue insurance
Nashville, TN auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of your policy. Improving your credit rating, buying a home instead of renting, or getting a DUI can trigger changes in premium that may make certain companies more affordable than the competition.
Also, companies file new rates as often as every quarter to reflect underwriting profits or losses. Heavier than normal losses can result in additional premium costs, while a lower level of claims may produce cheaper Rogue insurance rates.
The chart below shows the company with the cheapest car insurance in Nashville, TN for a 30-year-old female driver with no prior accidents, a clean driving record, and good credit. If we estimate prices based on her current situation, Utica National offers the cheapest car insurance rates in Nashville at $867 a year. This is $461 less than the average rate paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and USAA are the rest of the cheapest Nashville, TN auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison an accident surcharge, a little lower credit rating, and a stop sign violation. Since each auto insurer has a proprietary formula for filing rates in each state, comparing prices may now present a significantly different list of cheap Nashville auto insurance companies as shown below.
Erie now has the best price in Nashville with Nationwide, Westfield, Allied, and GEICO also having competitive pricing. This example illustrates why drivers need to perform a complete rate comparison to find the best auto insurance rates for a Nissan Rogue.
Prices can be altered by many different factors and can decrease or increase without notice, so the cheapest company two years ago may now be quite expensive.
How to find more affordable insurance for a Nissan Rogue
Here are some penny-pinching suggestions that can help you buy low-cost coverage.
- Get cheaper liability coverage by choosing a safer vehicle
- Raise comprehensive and collision coverage deductibles
- Avoid having at-fault accidents
- Ensure your driving record is clean
- Good credit scores may make rates cheaper
- Full coverage may not be needed on older vehicles
- Shop around for cheaper prices
The last tip is extremely valuable, as was pointed out in this piece. Car insurance rates vary greatly, so don’t be hesitant to buy from a new company if you can find a cheaper rate.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty ends up costing a fortune every year. In just a few minutes you could shop around to find cheaper car insurance for a Nissan Rogue in Nashville.
The agents shown below can help you decide which car insurance policy is best, since lots of people like to get some help when comparing insurance rates for a Rogue. It can be hard to do it yourself, so a licensed agent can provide you satisfaction knowing you have sufficient protection if you have a claim. To locate a Nashville auto insurance agent close to you, click the button link following the list.
- Eric Jans Insurance Agency
1805 Ordway Pl – Nashville, TN 37206 – (615) 478-7146 - Valinda Burks – State Farm Insurance Agent
2012 8th Ave S – Nashville, TN 37204 – (615) 292-8050 - GEICO Insurance Agent
14981 Old Hickory Boulevard – Nashville, TN 37211 – (615) 376-2969 - Barbara Stewart – State Farm Insurance Agent
3055 Lebanon Pike #2103 – Nashville, TN 37214 – (615) 391-5300 - Ray Watts – State Farm Insurance Agent
4703 Gallatin Pike – Nashville, TN 37216 – (615) 228-1338