Finding affordable coverage for a Nissan Rogue in Texas is dependent upon a pretty complex algorithm that uses a lot of factors such as the mileage of your daily commute, where your vehicle is garaged, and your driving record. Drivers in Texas pay on average $1,263 each year for Rogue insurance, but that is a projection based on a 50-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
There’s a high likelihood you are not 50 years old and maybe not even male, married instead of single, and maybe your Rogue just needs liability-only coverage. Different coverage needs are the reason why the best method for finding the cheapest insurance price for your Nissan is to compare as many rates as you can.
The trim level of your Nissan has an effect on the coverage cost, so the price you will pay to insure a Rogue S 2WD will cost $108 less than the cost to insure the high end Rogue SL AWD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$282||$610||$486||$28||$146||$1,552||$129|
|Rogue S AWD||$282||$610||$486||$28||$146||$1,552||$129|
|Rogue SL 2WD||$282||$610||$486||$28||$146||$1,552||$129|
|Rogue SL AWD||$282||$718||$486||$28||$146||$1,660||$138|
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in zip code location which can modify coverage rates greatly.
Finding out which company offers the cheapest car insurance rates for a Nissan Rogue will involve a little more work in order to find the best price. Every insurance company uses their own formula for setting rates, so let’s take a look at the car insurance companies with the most affordable rates in Texas.
It’s important that you understand Houston, TX car insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay. Simply getting older, becoming a homeowner, or getting a speeding ticket may prompt premium changes that may make certain companies more affordable than others.
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|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers generally has some of the lowest car insurance rates in Houston at around $1,052 annually. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the cheapest Houston, TX auto insurance companies.
In the rate table above, if you currently have a policy with Germania Mutual and switched to USAA, you could see a yearly price reduction of approximately $198. Drivers with California Casualty could save as much as $312 a year, and Esurance customers might lower prices by up to $323 a year.
It’s important to note that these estimates are averages for all types of insureds and vehicles and are not factoring in an exact location for a Nissan Rogue. So the auto insurance company that has the lowest price for you may not even be in the top 23 companies shown above. That points out the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.
How to get discounts on Houston auto insurance
Auto insurance companies that provide policies for a Nissan Rogue may also offer price discounts that can reduce rates by as much as 30% if you are eligible to receive them. A list of companies and some of the premium reductions they offer are included below.
- State Farm has savings for driver’s education, accident-free, multiple autos, passive restraint, anti-theft, and multiple policy.
- Progressive has discounts for multi-vehicle, good student, online quote discount, homeowner, multi-policy, and online signing.
- Progressive may include discounts for good student, multi-policy, multi-vehicle, homeowner, and online quote discount.
- MetLife may have discounts that include good driver, multi-policy, good student, accident-free, defensive driver, claim-free
- Farm Bureau discounts include 55 and retired, safe driver, driver training, multi-policy, renewal discount, and multi-vehicle.
- GEICO includes discounts for defensive driver, anti-lock brakes, membership and employees, anti-theft, and daytime running lights.
- SAFECO offers discounts including bundle discounts, anti-lock brakes, teen safety rewards, anti-theft, multi-car, and accident prevention training.
The example below visualizes the comparison of premium costs with and without discounts applied. The rates are based on a female driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, homeowner, safe-driver, defensive driving course, marriage, and claim-free discounts applied. When taking advantage of discounts, the average savings per year on car insurance for a Nissan Rogue is 28% or $664.
Careless drivers pay higher rates
The obvious way to find low car insurance premiums for a Rogue is to drive carefully and maintain a clean driving record. The example below shows how traffic citations and fender-benders can increase car insurance rates for each different age category. The data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of auto insurance in Texas per year with a clean driving record and no accidents is $1,720. Add in one speeding ticket and the average cost hikes up to $1,983, an increase of $263 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of car insurance for a Nissan Rogue jumps again to an average of $4,501. That’s an increase of $2,781, or $232 per month, just for not keeping your driving record clean!
Liability-only versus full coverage
Paying less for car insurance is the goal of most people, and one common way to reduce the cost of insurance for a Nissan Rogue is to only buy liability coverage. The example below shows the comparison of auto insurance rates with full physical damage coverage compared to only buying liability only. The price estimates are based on no accidents, no driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.
As an average, physical damage coverage on your policy costs $2,922 per year more than insuring for liability only. Many people question if full coverage is worth the money. There is no definitive formula of when to phase out comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after the deductible is paid. If premium cost is more than $700 annually for comprehensive and collision coverage, then you might consider buying liability only.
If you aren’t sure which coverage to buy and prefer to have some professional guidance when trying to find the best insurance rates for a Rogue, the insurance agencies below are a good start to aid you in deciding which car insurance company is the best fit.
To find a Houston insurance agent close to where you live, click the button after the list or click here to compare price quotes.
Texas Prime Insurance Agency, LLC
6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000
Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889
Anna Santa Ana – State Farm Insurance Agent
7710 Cherry Park Dr d – Houston, TX 77095 – (281) 550-0333
Hispano’s Insurance Agency
5420 Chimney Rock Rd – Houston, TX 77081 – (832) 778-8600
Joy Knox State Farm Insurance Agency
1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300