Finding competitive insurance for a Nissan Rogue relies on a lot of factors such as the safety rating for your Rogue, your address, and if you have tickets or violations. Drivers in California pay on average $1,614 a year to insure their Rogue, but that amount is a projection using a 40-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
There’s a good chance you may not be 40 years old (or even male), married instead of single, and you don’t want the same coverages and limits as the example. Having even a minor difference in rating variables can result in a big discrepancy in the price of a policy.
This illustrates why the only real way to find the cheapest coverage for your Nissan is to put in the effort to do a thorough rate comparison. To start saving now, get free quotes and you will get price quotes from some of the cheapest companies that insure vehicles in California.
Your Nissan’s trim level tends to have a direct effect on the coverage cost, so the price you will be charged to insure a Rogue S 2WD will cost $140 less than the price to insure the more expensive Rogue SL AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$372||$790||$604||$36||$180||$1,982||$165|
|Rogue S AWD||$372||$790||$604||$36||$180||$1,982||$165|
|Rogue SL 2WD||$372||$790||$604||$36||$180||$1,982||$165|
|Rogue SL AWD||$372||$930||$604||$36||$180||$2,122||$177|
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in specific Bakersfield garaging location which can decrease or increase price quotes significantly.
Finding out which companies offer the cheapest car insurance rates for a Nissan Rogue will require more work in order to find coverage that fits your budget. Every insurance company has a proprietary formula for setting rates, so let’s examine the most budget-friendly car insurance companies in California.
Find Cheaper Auto Insurance for Your Nissan
|Rank||Company||Cost Per Year|
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USAA may offer some of the lowest car insurance rates in Bakersfield at around $1,109 a year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA also rank well as some of the cheapest Bakersfield, CA auto insurance companies.
As depicted above, if you buy coverage from Wawanesa and switched to USAA, you might realize annual savings of around $72. Insureds with Century National might save as much as $81 a year, and Nationwide insureds might reduce rates by $104 a year.
Be aware that those premium estimates are averages across all insureds and vehicles and are not factoring in a specific vehicle garaging location for a Nissan Rogue. So the car insurance company that can offer you the best rate may not even be in the top 24 companies shown above. That’s why you need to get auto insurance quotes using your own individual information.
Get discount Bakersfield car insurance rates
Insurance providers that sell policies for a Nissan Rogue may also offer premium discounts that may potentially lower prices by 35% or more if you are eligible to receive them. Popular car insurance companies and some of their more popular discounts are outlined below.
- American Family policyholders can earn discounts including multi-vehicle, good driver, TimeAway discount, bundled insurance, good student, and early bird.
- State Farm may include discounts for passive restraint, Steer Clear safe driver discount, safe vehicle, student away at school, Drive Safe & Save, and good student.
- 21st Century offers premium reductions for driver training, 55 and older, theft prevention, anti-lock brakes, early bird, and air bags.
- Travelers offers discounts for continuous insurance, driver training, student away at school, home ownership, and save driver.
- GEICO may have discounts that include driver training, air bags, anti-lock brakes, military active duty, five-year accident-free, and multi-policy.
The information below shows the difference between insurance rates with and without discounts applied to the premium. The rates are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, multiple vehicle, claim-free, accident-free, multiple policy, and anti-theft discounts applied. When drivers take advantage of discounts, theaverage amount saved on car insurance for a Nissan Rogue is 28% or $863.
The importance of comparing Rogue insurance rates
California car insurance rates are influenced by many factors which can substantially decrease or increase your annual premium. Simply having a birthday, increasing deductibles, or having a fender bender can trigger rate changes that can cause some rates to be more affordable than the competition.
And not only may your rating factors change, but companies change rates every year or even multiple times each year to help ensure profitability. Unexpectedly high claims may cause additional price hikes, while lower claims can produce cheaper Rogue insurance rates.
As an example, the bar chart below shows which companies have the cheapest car insurance in Bakersfield, CA for a 40-year-old male driver with no violations or accidents, and a good credit rating. If we look at prices based on his current risk profile, USAA may have the most affordable car insurance rates in Bakersfield at $1,234 a year. This is $417 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remainder of the best Bakersfield, CA auto insurance companies.
In this example, we will give the driver from above a claim or two, slightly worse credit, and a few traffic violations. Due to the fact that each insurance company has a different process for filing rates in each state, analyzing rates could now result in a new list of affordable companies as shown below.
Grange now has the lowest car insurance rate in Bakersfield with Allstate, GEICO, Mercury, and Progressive also being competitive. This example illustrates why it is critical to shop around when trying to get the best auto insurance quotes for a Nissan Rogue. Prices can be determined by many risk factors and change dramatically, so the best company when you bought your policy may now be one of the more expensive options.
The agencies below can probably help you make a decision which insurance coverage you need, since some people prefer to get some professional input when comparing insurance rates for a Rogue. It can be hard to find the best coverage on your own, and a licensed agent can give satisfaction knowing you have decent coverage if you have a claim. To find an agent using an interactive map, click the button following the list.
- Allstate Insurance: Hero Singh
3400 Panama Ln h – Bakersfield, CA 93313 – (661) 229-4008
- Farmers Insurance: Eric Peters
1519 Eye St – Bakersfield, CA 93301 – (661) 872-8113
- James Stuart – State Farm Insurance Agent
5125 Ming Ave – Bakersfield, CA 93309 – (661) 831-6266
- James Banks – State Farm Insurance Agent
1525 Columbus St #400 – Bakersfield, CA 93305 – (661) 872-5140
How to find economical car insurance for a Nissan Rogue
The list below details some of the better thrifty ideas that can help drivers get cheaper car insurance.
- Clean up your credit rating
- The safer your car, the less it costs to insure
- Remain accident-free and save
- Avoid getting tickets or violations
- Raise comprehensive and collision coverage deductibles
- Look for cheaper rates once a year by shopping around
The last tip in the list is extremely crucial, as was affirmed in this piece. Insurance rates adjust often, so don’t hesitate to change to a new company if you find a better deal.
Many consumers stick with the same company and that’s fine, but it’s not a great idea if that inflexibility results in costing you money that could be going to better use. Take a couple minutes and compare rates and find cheaper insurance for a Nissan Rogue in Bakersfield.