Finding cheaper coverage for a Nissan Rogue is pretty simple for most people to do, but it depends on lots of different rating factors such as how old the vehicle is, the condition of your credit, and the level of deductible you choose. Drivers in North Carolina will pay around $630 a year for Rogue insurance, but that amount is an estimation based on a 40-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
Odds are that you aren’t exactly 40 years old or even a male, single instead of married, or maybe you prefer to not insure for full coverage. Not every driver requires the same auto insurance coverages, so the best method for finding the cheapest insurance price for your Nissan is to put in the effort to do a thorough rate comparison.
Your vehicle’s trim level will be a contributing factor to the insurance rate, so the rate you will pay to insure a Rogue S 2WD will be $44 less than the price to insure the high end Rogue SL AWD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $142 | $240 | $290 | $18 | $86 | $776 | $65 |
| Rogue S AWD | $142 | $240 | $290 | $18 | $86 | $776 | $65 |
| Rogue SL 2WD | $142 | $240 | $290 | $18 | $86 | $776 | $65 |
| Rogue SL AWD | $142 | $284 | $290 | $18 | $86 | $820 | $68 |
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in vehicle garaging location which can change prices significantly.
Picking the top car insurance company can be challenging considering how many companies there are in North Carolina. The rank data displayed below can help you analyze which insurers to look at comparing prices from.
The ratings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in North Carolina are not factored into this list. To compare prices from these companies and more, click this link.
| 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 |
| 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 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Raleigh insurance
Car insurance companies that provide policies for a Nissan Rogue may provide price discounts that can lower rates by 40% or more if you are eligible for them. The best insurance companies and some of the discounts are:
- GEICO may offer discounts for good student, emergency military deployment, multi-vehicle, membership and employees, air bags, and anti-lock brakes.
- Auto-Owners Insurance may have discounts that include company car, multi-policy, multiple vehicles, air bags, anti-lock brakes, paperless, and student away at school.
- American Family offers discounts for accident-free, early bird, TimeAway discount, defensive driver, bundled insurance, and air bags.
- Esurance policyholders can earn discounts including DriveSense, safety device, emergency road assistance, multi-policy, paid-in-full, good student, and renters.
- Progressive may include discounts for multi-vehicle, good student, continuous coverage, multi-policy, and homeowner.
- State Farm offers discounts including accident-free, safe vehicle, anti-theft, good student, multiple policy, Steer Clear safe driver discount, and passive restraint.
- AAA has discounts for education and occupation, anti-theft, good driver, pay-in-full, AAA membership discount, good student, and multi-policy.
The chart below visualizes the comparison of insurance costs with and without discounts being applied to the rates. Data assumes a female driver, no violations or accidents, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, passive restraint, multiple vehicle, vehicle safety, defensive driving course, and marriage discounts applied. When these discounts are applied, the average amount saved each year on insurance for a Nissan Rogue is 28% or $434.
Why you should be shopping around
North Carolina insurance rates are impacted by many factors that may substantially change the price you pay for coverage. Simply having another birthday, filing a claim, or getting a DUI can trigger rate changes that can make some companies cheaper than competitors.
Also, insurers file new North Carolina auto insurance rates as often as every three months in order to remain profitable. A period of higher than normal claims may cause a rate increase, while better underwriting can produce lower-priced Rogue insurance rates.
The bar chart below shows the companies that have the cheapest car insurance in Raleigh, NC for a 30-year-old male driver with a clear driving record, no claims, and good credit. If we look at prices based on his current situation, Progressive quotes the best car insurance rates in Raleigh at $742 a year. This is $130 less than the average rate paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National are also on the list of the cheapest Raleigh, NC auto insurance companies.
The example below compares rates after we give the driver in the first chart an accident surcharge, a lower credit rating, and a traffic citation. Since each auto insurer has a proprietary method to set premium rates, getting updated rate quotes most likely will result in a different set of affordable companies as shown below.
State Farm now has the cheapest rate in Raleigh, NC with Titan, Auto-Owners, Erie, and National General also having competitive pricing. This example illustrates why consumers need to shop around with many companies to find the most economical insurance quotes for a Nissan Rogue. Auto insurance prices are impacted by many different factors and change dramatically, so the cheapest option when you bought your policy may now be priced much higher than other options.