Finding cheap auto insurance for a Nissan Rogue is usually pretty straightforward, but it relies on a whole bunch of factors such as how safe your vehicle is, if you have prior claims, and driving violations. Drivers in Oklahoma will pay around $1,170 a year to insure their Rogue, but that figure is using a 30-year-old married male driver with full coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 30 years old (or even male), single instead of married, or maybe you need higher liability limits than the state minimum. This illustrates why the only real way to find cheap car insurance rates for your Nissan is to do your own rate comparisons.
The trim level of your Rogue will influence the cost of insurance, so the rate you will pay to insure a Rogue S 2WD trim level will be $82 less than the cost to insure the more costly Rogue SL AWD model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Rogue S AWD | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Rogue SL 2WD | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Rogue SL AWD | $282 | $554 | $506 | $30 | $152 | $1,524 | $127 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in Oklahoma City location which can impact price quotes noticeably.
Determining which company quotes the cheapest car insurance rates for a Nissan Rogue will take a bit more effort in order to find the most economical policy. Every car insurance company has a unique formula to set premium rates, so let’s take a look at the car insurance companies with the overall cheapest rates in Oklahoma City, OK.
It’s a good idea to be aware that Oklahoma car insurance rates are based on many factors that control the cost of a policy. Simply turning a year older, buying a new vehicle, or getting a few speeding tickets can cause premium changes that can cause some rates to be more affordable than the competition.
Find the Cheapest Auto Insurance for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,161 |
| 2 | Oklahoma Farmers Union | $1,166 |
| 3 | The Hartford | $1,319 |
| 4 | Farmers | $1,380 |
| 5 | GEICO | $1,381 |
| 6 | Safe Auto | $1,405 |
| 7 | State Farm | $1,521 |
| 8 | Liberty Mutual | $1,871 |
| 9 | Travelers | $1,925 |
| 10 | Mercury | $2,053 |
| 11 | OK Farm Bureau | $2,079 |
| 12 | Home State | $2,128 |
| 13 | Shelter | $2,173 |
| 14 | MetLife | $2,235 |
| 15 | Progressive | $2,245 |
| 16 | Allstate | $2,400 |
| 17 | Safeco | $5,158 |
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USAA offers some of the most affordable car insurance rates in Oklahoma City at around $1,161 each year. Oklahoma Farmers Union, The Hartford, Farmers, and GEICO would also make the list of some of the more affordable Oklahoma City, OK car insurance companies.
As shown in the rates above, if you are a customer of Oklahoma Farmers Union and switched to USAA, you may see annual savings of upwards of $5. Drivers with The Hartford might save as much as $158 a year, and Farmers customers might reduce prices by as much as $219 a year.
Bear in mind that those prices are averages across all drivers and vehicles and and are not calculated with a specific vehicle garaging location for a Nissan Rogue. So the car insurance company that is best for you may not even be 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 information and vehicle.
Should you buy full coverage?
Paying a lower price for car insurance is important to most vehicle owners, and one of the fastest ways to buy cheaper insurance for a Nissan Rogue is to buy liability only. The information below visualizes the comparison of insurance costs with full coverage and liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, single marital status, and no policy discounts are applied.
Averaged for all age groups, physical damage insurance costs $3,436 per year more than just buying liability only. That may make you wonder if full coverage is worth the money. There is no specific rule to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
There are some situations where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not buy liability only.
Types of discounts on Oklahoma City auto insurance rates
Auto insurance companies that offer coverage for a Nissan Rogue may provide policy discounts that could reduce prices by as much as 35% if you are eligible for them. Larger car insurance companies and some of the premium reductions they offer are shown below.
- AAA policyholders can earn discounts including AAA membership discount, education and occupation, multi-policy, good driver, good student, and multi-car.
- Progressive offers premium reductions for multi-policy, online quote discount, homeowner, continuous coverage, and good student.
- State Farm offers discounts including safe vehicle, accident-free, anti-theft, driver’s education, and Drive Safe & Save.
- Esurance may include discounts for good driver, multi-car, good student, emergency road assistance, safety device, and renters.
- Nationwide may have discounts that include defensive driving, good student, business or organization, easy pay, accident-free, Farm Bureau membership, and multi-policy.
The example below compares insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, no violations or claims, Oklahoma state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, accident-free, homeowner, anti-theft, multiple policy, and vehicle safety discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for a Nissan Rogue is 28% or $822.
How violations and accidents impact rates
The easiest way to get cheap car insurance prices for a Rogue is to be a careful driver and maintain a clean driving record. The diagram below demonstrates how speeding tickets and accident claims raise yearly insurance costs for different age categories. The premiums are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
In the previous example, the average cost of auto insurance per year with no violations or accidents is $2,980. Add in one speeding ticket and the average cost increases to $3,379, an increase of $399 each year. Now add two accidents along with the one speeding ticket and the annual cost of car insurance for a Nissan Rogue increases to an average of $6,857. That’s an increase of $3,877, or $323 per month, just for not paying attention while driving!