Finding the best cheap auto insurance for a Nissan Rogue in Arizona relies on a lot of rating factors such as your marital status, your credit rating, and any prior driving offenses you have. Drivers in Arizona will pay around $714 annually to insure their Rogue, but that is calculated using a 50-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 50 years old or even a female, married instead of single, or maybe you rent instead of own your home. Have just a small change in the rating criteria used to formulate rates can make a large difference in the cost of a policy.
Insurance is an individual thing, so the way we recommend to find cheap auto insurance rates for your Nissan is to compare as many rates as you can.
The trim level of your vehicle tends to impact price, so the rate you pay to insure a Rogue S 2WD model will be $44 less than the insurance cost for the high end Rogue SL AWD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $124 | $240 | $382 | $22 | $114 | $882 | $74 |
| Rogue S AWD | $124 | $240 | $382 | $22 | $114 | $882 | $74 |
| Rogue SL 2WD | $124 | $240 | $382 | $22 | $114 | $882 | $74 |
| Rogue SL AWD | $124 | $284 | $382 | $22 | $114 | $926 | $77 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.
Finding the right car insurance company can be rather challenging considering how many choices there are in Chandler. The information listed below may help you analyze which insurers you want to consider putting your business with.
The rankings below only include companies with a nationwide focus, so companies with more of a regional focus are not taken into consideration for these rankings. To check rates from many more Arizona auto insurance companies, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The chart below illustrates how choosing a deductible can impact insurance costs when getting quotes for cheap insurance for a Nissan Rogue. Data assumes a single female driver, comp and collision included, and no discounts are factored in.
A 30-year-old driver could pocket $368 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $554 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, have the ability to save as much as $824 every year by using higher deductibles when buying full coverage.
When increasing deductibles, it will be important to have enough in a savings account to be able to pay the extra out-of-pocket expense associated with higher deductibles.
Why are you paying too much to insure your Rogue?
Chandler insurance rates are influenced by many factors which can substantially change the price of coverage. Simply having a birthday, becoming a homeowner, or getting a ticket for careless driving can cause premium changes that may make certain companies cheaper than competitors.
And not only may your rating factors change, but companies change prices at least once a year to ensure their profitability. Heavy losses may result in more expensive premiums, while profitable underwriting can produce more affordable Rogue insurance rates.
To illustrate this example, the graph below shows rates for the cheapest car insurance in Chandler, AZ for a 45-year-old female driver with a clear driving record, no claims, and good credit. If we estimate rates based on her personal profile, The Hartford quotes the lowest car insurance rates in Chandler at $1,072 per year. This is $356 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA round out the rest of the most affordable Chandler, AZ auto insurance companies.
In this next rate comparison, we will give the driver in the first chart some claims, a lower credit rating, and a couple of points charged on her driving record. Since each insurance company has their own formula for establishing rates, analyzing rate quotes may now show a different ranking of the cheapest companies as shown below.
Progressive now has the cheapest rate in Chandler with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual now being in the top five. This demonstrates why it is crucial to spend some time comparing rates to find the most budget-friendly insurance quotes for a Nissan Rogue.
Insurance rates can be determined by many risk factors and can change without notice, so the best option when you last compared rates may now be wasting a lot of money.
How to find budget-friendly insurance for a Nissan Rogue
It is possible to find better rates, and here are some of the better penny-pinching ideas that can help you get low-cost coverage.
- At-fault accidents will increase rates
- Higher deductibles mean lower rates
- Do not get tickets
- Buy vehicles with good safety ratings
- Pay lower rates with good credit
- Compare rates and switch if you can find a better deal
The last idea is remarkably important, as we emphasized in this piece. Prices charged by companies can change considerably in a year, so don’t be unwilling to switch companies if a lower price can be found. Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing hundreds of dollars year after year. Spend a few minutes and compare rates to find cheaper insurance for a Nissan Rogue in Chandler.
If you like to get some professional advice when shopping around for cheaper insurance for a Rogue, the agents listed below can most likely help you determine which coverages are best.
To find an auto insurance agency by location nearest to you, click the button link following the list or click here to get price quotes now.
Farmers Insurance – Tom Sisouvanh
3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515
Taylor Insurance Agency
920 W Chandler Blvd #1 – Chandler, AZ 85225 – (480) 264-6226
Nationwide – Daniel McLean Kendree AGENCY
1005 S Arizona Ave – Chandler, AZ 85286 – (480) 857-0056