Cheap Nissan Rogue Sport Car Insurance in 2024 (Save Money With These 10 Companies)

Progressive, State Farm, and Nationwide are the best providers for cheap Nissan Rogue Sport car insurance. This article explores why these companies excel in offering affordable rates, comprehensive coverage, and excellent customer service.

Discover how each provider tailors its policies to meet the unique needs of Nissan Rogue Sport drivers. Learn which options provide the best balance of cost and protection for your vehicle. Learn more in our guide titled, “What does car insurance cover?”

Our Top 10 Company Picks: Cheap Nissan Rogue Sport Car Insurance

In this article, we will explore the different factors that influence the cost of Nissan Rogue Sport car insurance, discuss the coverage options available, provide tips for finding affordable insurance, and delve into other important considerations.

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#1 – Progressive: Top Overall Pick

Pros

• Qualifying Coverage Discounts: Progressive provides significant discounts for qualifying coverage options tailored to Nissan Rogue Sport owners.
• Strong A.M. Best Rating: Progressive has a high A.M. Best rating of A+, ensuring financial stability for your Nissan Rogue Sport insurance. Access comprehensive insights into our article called “Progressive Insurance Review & Ratings.”
• Comprehensive Coverage Options: Progressive offers diverse coverage plans suitable for various Nissan Rogue Sport insurance needs.

Cons

• Complex Discounts: Understanding and navigating the discount structure for Nissan Rogue Sport insurance can be challenging.
• Average Customer Service: Progressive’s customer service may not be as highly rated as some competitors for Nissan Rogue Sport insurance inquiries.

#2 – State Farm: Best for Customer Service

Pros

• Excellent Customer Service: State Farm is known for its top-notch customer service for Nissan Rogue Sport car insurance policyholders. Check out insurance savings in our complete guide titled “State Farm Car Insurance Review & Ratings.”
• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies, including Nissan Rogue Sport insurance.
• Accident Forgiveness: State Farm provides accident forgiveness for Nissan Rogue Sport drivers, which helps maintain lower premiums after an accident.

Cons

• Limited Multi-Policy Discount: The multi-policy discount for Nissan Rogue Sport insurance is lower compared to some competitors.
• B Rating from A.M. Best: State Farm’s A.M. Best rating of B is lower than some competitors, potentially impacting long-term reliability for Nissan Rogue Sport insurance.

#3 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide offers a vanishing deductible feature, which reduces your deductible for Nissan Rogue Sport car insurance over time without any accidents.
• Comprehensive Coverage Options: Nationwide provides a wide range of coverage options for Nissan Rogue Sport insurance to meet different needs.
• Bundling Discounts: Nationwide offers substantial discounts for bundling Nissan Rogue Sport insurance with other policies. Delve into our evaluation of “Nationwide Insurance Review & Ratings.”

Cons

• Higher Initial Deductibles: The initial deductibles for Nissan Rogue Sport insurance with Nationwide might be higher compared to some competitors.
• Complex Policy Terms: Understanding the detailed terms and conditions of Nissan Rogue Sport insurance policies with Nationwide can be challenging.

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#4 – Geico: Best for Senior Discounts

Pros

• Senior Discounts: Geico offers significant discounts for senior drivers of Nissan Rogue Sport, providing affordable coverage options.
• Comprehensive Coverage: Geico offers a wide range of coverage options tailored to Nissan Rogue Sport insurance needs. Delve into our evaluation of “Do Geico employees get car insurance discounts?“
• User-Friendly Online Tools: Geico provides easy-to-use online tools for managing Nissan Rogue Sport insurance policies and filing claims.

Cons

• Limited Personal Interaction: Geico’s focus on online services may result in limited personal interaction for Nissan Rogue Sport insurance inquiries.
• Discount Restrictions: Some discounts for Nissan Rogue Sport insurance may have specific eligibility criteria that limit availability.

#5 – Travelers: Best for Unique Coverage

Pros

• Unique Coverage Options: Travelers offers unique coverage options tailored to specific Nissan Rogue Sport insurance needs.
• Comprehensive Coverage: Travelers offers a wide range of comprehensive coverage options for Nissan Rogue Sport insurance.
• Customizable Policies: Travelers allows customization of Nissan Rogue Sport insurance policies to meet individual needs. More information is available about this provider in our guide titled “Travelers Insurance Review & Ratings.”

Cons

• Complex Policy Management: Managing and understanding Travelers’ unique Nissan Rogue Sport insurance policies might be more complex.
• Higher Premiums: Despite affordable rates, premiums for certain coverage levels of Nissan Rogue Sport insurance with Travelers might still be higher than competitors.

#6 – Farmers: Best for Contractor Equipment

Pros

• Contractor Equipment Coverage: Farmers offers specialized coverage options for contractor equipment related to Nissan Rogue Sport insurance.
• A A.M. Best Rating: Farmers has a solid A.M. Best rating of A, ensuring reliable financial stability for Nissan Rogue Sport insurance policies. Discover insights in our article called “Farmers Car Insurance Review & Ratings.”
• Discount Opportunities: Farmers offers various discount opportunities for Nissan Rogue Sport insurance policyholders.

Cons

• Limited Online Tools: Farmers may have fewer online tools for managing Nissan Rogue Sport insurance policies compared to competitors.
• Complex Policy Terms: Understanding the detailed terms and conditions of Nissan Rogue Sport insurance policies with Farmers can be challenging.

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#7 – Allstate: Best for UBI Savings

Pros

• Usage-Based Insurance (UBI) Savings: Allstate offers significant savings for Nissan Rogue Sport drivers through usage-based insurance programs.
• Comprehensive Coverage: Allstate provides a wide range of coverage options for Nissan Rogue Sport insurance to meet different needs.
• Bundling Discounts: Allstate provides substantial discounts for bundling Nissan Rogue Sport insurance with other policies. See more details on our article called “Allstate Insurance Review & Ratings.”

Cons

• Higher Premiums: Despite affordable rates, premiums for certain coverage levels of Nissan Rogue Sport insurance with Allstate might be higher than competitors.
• Limited Availability of Discounts: Some discounts for Nissan Rogue Sport insurance may not be available in all states.

#8 – Liberty Mutual: Best for Policy Options

Pros

• Diverse Policy Options: Liberty Mutual offers a wide range of policy options tailored to Nissan Rogue Sport insurance needs. Discover more about offerings in our guide titled “Liberty Mutual Car Insurance Review & Ratings.”
• A A.M. Best Rating: Liberty Mutual has a solid A.M. Best rating of A, ensuring financial stability for Nissan Rogue Sport insurance policies.
• Competitive Rates: Liberty Mutual provides affordable rates for Nissan Rogue Sport car insurance, starting at $108 per month.

Cons

• Higher Premiums: Premiums for certain coverage levels of Nissan Rogue Sport insurance with Liberty Mutual might be higher than competitors.
• Limited Online Tools: Liberty Mutual may have fewer online tools for managing Nissan Rogue Sport insurance policies compared to competitors.

#9 – American Family: Best for Rates w/Claims

Pros

• Competitive Rates: American Family offers competitive rates for Nissan Rogue Sport car insurance, starting at $112 per month. Read up on the “American Family Insurance Review & Ratings” for more information.
• A A.M. Best Rating: American Family has a solid A.M. Best rating of A, ensuring financial stability for Nissan Rogue Sport insurance policies.
• Comprehensive Coverage: American Family provides a wide range of coverage options for Nissan Rogue Sport insurance to meet different needs.

Cons

• Higher Premiums: Premiums for certain coverage levels of Nissan Rogue Sport insurance with American Family might be higher than competitors.
• Complex Policy Terms: Understanding the detailed terms and conditions of Nissan Rogue Sport insurance policies with American Family can be challenging.

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#10 – Amica: Best for Dividend Payments

Pros

• Dividend Payments: Amica offers dividend payments for Nissan Rogue Sport car insurance policyholders, providing potential savings. Check out insurance savings in our complete article called “Amica Car Insurance Discounts.”
• Comprehensive Coverage: Amica offers a wide range of coverage options for Nissan Rogue Sport insurance to meet different needs.
• Exceptional Customer Service: Amica is known for its excellent customer service for Nissan Rogue Sport insurance policyholders.

Cons

• Higher Premiums: Premiums for certain coverage levels of Nissan Rogue Sport insurance with Amica might be higher than competitors.
• Complex Dividend Structure: Understanding and managing dividend payments for Nissan Rogue Sport insurance with Amica can be complex.

Nissan Rogue Sport Car Insurance Monthly Rates: Coverage Comparison

The table below provides a comparison of monthly insurance rates for the Nissan Rogue Sport across various providers based on different coverage levels, including minimum coverage and full coverage options.

Nissan Rogue Sport Car Insurance Monthly Rates by Coverage Level & Provider

When considering insurance for your Nissan Rogue Sport, the monthly rates vary significantly depending on the coverage level and insurance provider. For minimum coverage, rates start at $85 with Progressive, rising to $112 with American Family. Opting for full coverage increases costs, with rates beginning at $150 with Progressive and reaching $195 with Amica.

Each provider offers unique rates reflecting their coverage options and customer profiles, ensuring you can choose a plan that meets your needs and budget effectively. Discover more about offerings in our article called “Compare Car Insurance Quotes.”

Factors That Influence the Cost of Nissan Rogue Sport Car Insurance

Several factors can influence the cost of car insurance for your Nissan Rogue Sport. The first and most significant factor is your driving record. If you have a clean driving record with no accidents or traffic violations, you can expect to pay lower insurance premiums.

On the other hand, if you have a history of accidents or tickets, your insurance rates may be higher. Insurance companies use your driving record to assess the risk of insuring you and adjust your premium accordingly.

Another factor that insurers consider is your age and gender. Statistically, younger drivers tend to be involved in more accidents, resulting in higher insurance rates. Additionally, male drivers often face higher insurance rates compared to their female counterparts due to their higher accident risk. However, this can vary depending on the insurance company and the specific circumstances.

The location where you reside and park your Nissan Rogue Sport also affects insurance rates. If you live in an area with a high crime rate or a high number of accidents, insurance companies may charge higher premiums to offset the increased risk. Similarly, if you live in a densely populated city where accidents are more common, you may also experience higher insurance costs compared to someone living in a rural area.

Your credit history can also play a role in determining your insurance rates. Insurers often check credit scores to assess how likely you are to make your payments on time. A good credit score can help lower your car insurance premiums, while a poor credit score can result in higher rates.

Furthermore, your chosen coverage limits, deductible amount, and the type of coverage you select will all affect the cost of your insurance. Policies with higher coverage limits and lower deductibles typically have higher premiums, while policies with lower coverage limits and higher deductibles come with lower premiums.

Learn more in our article called “How can I find car insurance policies that include coverage for custom or aftermarket parts and accessories?”

Finally, other personal factors such as your marital status, occupation, and mileage you drive annually can also impact your car insurance rates. Some insurers offer discounts for married couples or certain professions, while others consider the number of miles you drive each year when determining your premium.

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Coverage Options for Nissan Rogue Sport Car Insurance

When purchasing car insurance for your Nissan Rogue Sport, it is crucial to understand the different coverage options available. These options include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.

Liability coverage is the most basic type of car insurance and is required by law in most states. It provides financial protection in case you cause an accident that results in injury or property damage to someone else. This coverage helps pay for medical expenses, vehicle repairs, and legal fees associated with the accident.

Collision coverage, as the name suggests, covers the cost of repairing or replacing your Nissan Rogue Sport if it is damaged in a collision with another vehicle or object, regardless of who is at fault. This coverage is essential if you want to protect your investment in your car.

Comprehensive coverage provides protection against non-collision-related damage to your vehicle, such as theft, vandalism, fire, or natural disasters. It covers the cost of repairs or replacement of your Nissan Rogue Sport, minus the deductible. Having comprehensive coverage is prudent, especially if you live in an area prone to theft or natural disasters. Read up on the “What is comprehensive coverage?” for more information.

Uninsured/underinsured motorist coverage is designed to protect you if you are involved in an accident with a driver who does not have insurance or has insufficient coverage. This coverage helps pay for medical expenses and damages that the at-fault driver’s insurance may not fully cover.

Insurance Quotes Comparison for Nissan Rogue Sport

When looking for car insurance for your Nissan Rogue Sport, it is essential to shop around and compare quotes from different insurance providers. Each insurer uses its own rating factors and algorithms to determine premiums, so prices can vary significantly between companies.

Start by getting quotes from multiple insurers and comparing the coverage options they offer. Consider not only the premium but also the specific coverage limits and deductibles. Additionally, pay attention to any discounts or additional benefits that insurers may provide.

It is worth noting that some insurance companies specialize in providing coverage for specific vehicles or demographics. These specialized insurers may offer tailored coverage options specifically designed for Nissan Rogue Sport owners. Don’t forget to include them in your search for quotes.

When comparing quotes, be sure to ask about any available discounts. Insurers often offer discounts for bundling multiple policies, having a clean driving record, completing defensive driving courses, being a student with good grades, or installing safety features on your Nissan Rogue Sport. Check out insurance savings in our complete guide titled “Defensive Driving Courses Can Lower Your Car Insurance Rates.”

Keep in mind that the cheapest quote is not always the best option. Consider the financial stability and reputation of the insurance company before making a decision. Read reviews and seek recommendations from family and friends to ensure you select a reliable insurer.

Tips for Finding Affordable Car Insurance for Your Nissan Rogue Sport

If you are looking to reduce the cost of car insurance for your Nissan Rogue Sport, there are several strategies you can employ.

Firstly, consider increasing your deductible. A higher deductible means you will have to pay more out of pocket in case of an accident, but it also lowers your premiums. Evaluate your financial situation and determine if increasing your deductible is a viable option for you.

Another way to save money on car insurance is to maintain a good credit score. Insurers often use credit scores to assess risk, and a good credit score can result in lower insurance premiums. Pay your bills on time, keep your credit utilization low, and regularly check your credit report for errors or discrepancies.

Furthermore, take advantage of any available discounts. Install safety features such as anti-theft devices, daytime running lights, or a vehicle tracking system to qualify for discounts. Additionally, consider bundling your car insurance with other policies such as homeowners or renters insurance. Many insurers offer discounts for bundling, which can lead to significant savings.

Finally, always review your insurance policy annually. As your circumstances change, your insurance needs may also change. By regularly evaluating your coverage and comparing quotes, you can ensure you are still getting the best deal for your Nissan Rogue Sport.

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Average Nissan Rogue Sport Car Insurance Costs Across States

Insurance rates can vary significantly from state to state. Various factors, such as state regulations, accident rates, and population density, can influence insurance costs. It is important to be aware of the average cost of car insurance for a Nissan Rogue Sport in your state. Check out insurance savings in our complete “Best Car Insurance for Drivers After an Accident in Nebraska.”

For example, data from a recent study showed that California had an average monthly car insurance cost of around $125 for a Nissan Rogue Sport, while Texas had an average cost of approximately $108 per month. On the other hand, New York had an average cost of around $150 per month for the same vehicle.

These figures are just averages and can vary based on individual circumstances. Factors such as age, driving record, and coverage limits will influence the final cost. To get an accurate estimate, it is best to request quotes from insurance providers based on your specific details and location.

Discovering Savings Options for Nissan Rogue Sport Insurance

As mentioned earlier, many insurance providers offer discounts and savings options that can help reduce the cost of car insurance for your Nissan Rogue Sport.

One common discount is the multi-policy or bundle discount. By purchasing multiple insurance policies from the same provider, such as car insurance and homeowners insurance, you can often save a significant amount of money overall.

Insurers also frequently offer a good driver discount to policyholders who have maintained a clean driving record for a certain period. This discount rewards safe driving habits and encourages policyholders to continue practicing good driving behaviors.

Additionally, some insurance companies offer discounts for students with good grades. If you or a family member who drives the Nissan Rogue Sport is a student enrolled in school, maintaining a high GPA can help lower your insurance premiums.

Another discount that may be available is the safety features discount. Equipping your Nissan Rogue Sport with features such as anti-lock brakes, airbags, and a rearview camera can result in lower insurance rates as these features reduce the risk of accidents or injuries.

It is essential to inquire about all available discounts when shopping for car insurance. Insurance providers often have numerous discount options, and taking advantage of these discounts can result in significant savings over time. See more details on our guide titled “Lesser Known Car Insurance Discounts.”

Car Insurance Pitfalls When Insuring Your Nissan Rogue Sport

When purchasing car insurance for your Nissan Rogue Sport, it is important to avoid common mistakes that could result in higher premiums or inadequate coverage. Access comprehensive insights into our “What is Premium?”

One mistake to avoid is neglecting to compare quotes from different insurance providers. By only considering one insurer, you may miss out on more affordable options or more comprehensive coverage. Take the time to research and obtain quotes from multiple companies to ensure you are making an informed decision.

Another mistake is selecting inadequate coverage limits or deductibles. Choosing low coverage limits may save you money in the short term, but it could leave you financially vulnerable in case of an accident. Evaluate your needs and select coverage limits and deductibles that offer adequate protection for your Nissan Rogue Sport.

Additionally, be cautious of purchasing insurance solely based on price. While it is important to find affordable coverage, selecting the cheapest option without evaluating the insurer’s reputation or financial stability could lead to difficulties when filing a claim. Research the insurance company and read reviews to ensure they are reliable and provide excellent customer service.

Lastly, avoid providing incorrect or incomplete information when applying for car insurance. Be truthful about your driving history, past accidents, and any other relevant information, as insurers may deny claims or cancel your policy if they discover you provided false information.

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Saving on Nissan Rogue Sport Car Insurance Without Sacrificing Coverage

Saving money on car insurance for your Nissan Rogue Sport doesn’t mean you have to compromise on coverage. There are several steps you can take to reduce your insurance costs while maintaining adequate protection.

Firstly, as previously mentioned, consider increasing your deductible. By selecting a higher deductible, you can lower your premium while still keeping comprehensive and collision coverage intact. Just make sure you have enough savings set aside to cover the deductible amount in case of an accident or claim.

Another way to save money is by taking advantage of available discounts. Install safety features in your Nissan Rogue Sport, complete defensive driving courses, or bundle your car insurance with other policies to qualify for discounts. Additionally, maintaining a clean driving record and good credit score can help lower your premiums. Unlock details in our article called “Safety Features Car Insurance Discount.”

Comparing quotes from multiple insurance providers is another effective way to save money. Each insurer has its own rating criteria and algorithms, leading to different premium rates for the same coverage. By actively seeking quotes and comparing options, you can find the best coverage at the most competitive price.

Finally, reviewing your coverage periodically is crucial. As your circumstances change or your Nissan Rogue Sport depreciates in value, certain coverages like collision or comprehensive may become less necessary. By evaluating your coverage annually, you can adjust your policy to align with your current needs and potentially reduce your premium.

Driving Record’s Impact on Nissan Rogue Sport Insurance Costs

Your driving record has a significant impact on the cost of insuring your Nissan Rogue Sport. Insurance companies use your driving history as a way to assess risk and determine your insurance premium.

If you have a clean driving record with no accidents or traffic violations, you are considered a low-risk driver. As a result, insurance companies are more likely to offer you lower rates. Conversely, if you have a history of accidents, traffic tickets, or other violations, insurance companies consider you a higher risk and may charge higher premiums to offset that risk.

Read up on the “How does the insurance company determine my premium?” for more information.

It is essential to maintain a safe driving record to help keep your car insurance costs down. Avoid speeding, reckless driving, and other traffic violations. If possible, take defensive driving courses to improve your driving skills and demonstrate your commitment to safe driving.

Keep in mind that insurance companies generally look back a few years when evaluating your driving record. As time passes without any accidents or violations, insurance rates typically decrease. Thus, your driving habits and any occurrences on the road can have a long-lasting impact on the cost of insuring your Nissan Rogue Sport.

Navigating Claims with Your Nissan Rogue Sport Insurer

In the unfortunate event that you need to file a claim with your car insurer for your Nissan Rogue Sport, it is important to understand the claims process and navigate it smoothly.

The first step is to contact your insurance company as soon as possible after the incident occurs. Most insurers have a claims hotline or online reporting system for you to initiate the process. You will need to provide details about the accident or damage and any relevant information, such as photographs or police reports.

After filing the claim, an insurance adjuster will be assigned to assess the damage and determine the coverage and reimbursement amount. The adjuster may request additional information or arrange for an inspection of your Nissan Rogue Sport.

Throughout the process, it is vital to keep documentation of all communication and paperwork related to your claim. Maintain a record of every conversation, email, and letter exchanged with your insurer. This documentation can help resolve any disputes that may arise during the claims process. Unlock details in our guide titled “How to Document Damage for Car Insurance Claims.”

If you are unsatisfied with the outcome of the claim or believe you are not being adequately compensated, you can appeal the decision. Insurance companies have procedures in place to handle appeals, so follow their instructions and provide any additional evidence or information that may support your case.

It is worth noting that some insurance companies offer optional add-ons, such as accident forgiveness or guaranteed repairs, which can streamline the claims process and provide additional peace of mind. Consider these options when selecting your car insurance to ensure a smoother claims experience.

Start comparing affordable insurance options by entering your ZIP code below into our free quote comparison tool today.

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