Buying cheap coverage for a Nissan Rogue is dependent upon many factors such as whether you own a home, your credit status, and if you have a history of accidents. Drivers in Kentucky pay around $1,081 a year for Rogue insurance, but that price is a projection using a 50-year-old single male driver with full coverage and $100 deductibles.
It’s more than likely you may not be 50 years old (or even male), maybe you are married instead of single, or maybe your Rogue doesn’t need full coverage. Even a minor difference in rating criteria could end up with a large change in the price of a policy.
Auto insurance is not the same for everyone, so the best way to find the cheapest rates for your Nissan is to compare as many rates as possible.
Cheapest Nissan Rogue Insurance Rates
The trim level of your Nissan has an effect on price, so the price you will be charged to insure a Rogue S 2WD trim level will be $94 less than the cost to insure the higher-end Rogue SL AWD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $242 | $522 | $416 | $24 | $124 | $1,328 | $111 |
| Rogue S AWD | $242 | $522 | $416 | $24 | $124 | $1,328 | $111 |
| Rogue SL 2WD | $242 | $522 | $416 | $24 | $124 | $1,328 | $111 |
| Rogue SL AWD | $242 | $616 | $416 | $24 | $124 | $1,422 | $119 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rates do not factor in Lexington location which can increase or decrease premium rates significantly.
Selecting a high-quality car insurance company can be challenging considering how many different companies insure vehicles in Kentucky. The information shown next could help you choose which insurers you want to consider purchasing a policy from.
These rankings only include the largest companies in the United States, so smaller companies that only insure vehicles in Kentucky are not included in these rankings. To get price quotes from many more Kentucky auto insurance companies, click here.
Top 10 Large Car Insurance Companies in Lexington Ranked by Claims Service
- Travelers
- Allstate
- Nationwide
- State Farm
- GEICO
- Liberty Mutual
- American Family
- Esurance
- AAA Insurance
- The Hartford
Top 10 Large Car Insurance Companies Overall in Lexington
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Discount Lexington auto insurance
Auto insurance companies that provide coverage for a Nissan Rogue may also provide rate discounts that may potentially lower prices by as much as 30% if you qualify for them. A few of the larger companies and their possible discounts are shown below.
- Esurance has savings for claim free, multi-policy, online shopper, defensive driver, good driver, renters, and good student.
- The Hartford discounts include driver training, defensive driver, anti-theft, air bag, vehicle fuel type, and good student.
- AAA policyholders can earn discounts including education and occupation, good student, pay-in-full, AAA membership discount, good driver, multi-policy, and multi-car.
- GEICO offers discounts for military active duty, air bags, good student, five-year accident-free, membership and employees, federal employee, and driver training.
- State Farm may offer discounts for multiple policy, multiple autos, passive restraint, accident-free, and Drive Safe & Save.
The information below shows the comparison of auto insurance rates with and without policy discounts. The costs are based on a female driver, no tickets, no at-fault accidents, Kentucky state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, multiple vehicle, passive restraint, marriage, homeowner, and claim-free discounts applied. When discounts are factored in, theamount saved on insurance for a Nissan Rogue is 28% or $614.
Does it make sense to buy full coverage?
Lowering the price of insurance should be important to the majority of people, and one of the quickest ways to lower the cost of insurance for a Nissan Rogue is to not insure for full coverage. The chart below illustrates the comparison of auto insurance costs when comparing full coverage to liability only. The premiums assume no violations or accidents, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Averaged for all age groups, physical damage coverage on your policy costs $1,829 per year more than just insuring for liability. That is a large expense which might make you wonder if buying full coverage is a good investment. There is no definitive rule to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying your policy deductible. If premiums are more than $400 annually for full coverage, then it’s probably a good time to buy liability coverage only.
The information below illustrates how your deductible choice can influence insurance costs when trying to find cheap insurance for a Nissan Rogue. The data assumes a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could reduce rates by $310 a year by changing from a $100 deductible up to a $500 deductible, or save $468 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could potentially save $788 every year just by using higher deductibles.
When raising deductibles, it will be required to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
The auto insurance agents in Lexington shown below are a good start to aid you in deciding which auto insurance coverages would be the best in your situation, as lots of people like to have the advice of a professional agent when comparing insurance rates for a Rogue. It can be time-consuming to find the cheapest rates, so a professional agent can give you peace of mind knowing your coverage gives you adequate coverage if you have an accident or claim. To find a Lexington insurance agent close to where you live, click the button link following the list or click here to compare rates now.
- Keystone Sills Insurance Agency
210 Malabu Dr – Lexington, KY 40502 – (859) 276-1881 - Lexington Insurance Agency, Inc.
465 E High St #101 – Lexington, KY 40507 – (859) 253-6570 - KY Insurance and Investment Grp
3320 Clays Mill Rd Suite 214 – Lexington, KY 40503 – (859) 224-0316 - Kentucky Insurance Inc
1750 Alexandria Dr – Lexington, KY 40504 – (859) 277-8877 - Bill Rea – State Farm Insurance Agent
138 E Reynolds Rd #102 – Lexington, KY 40517 – (859) 273-7373