Nissan Rogue insurance image courtesy of QuoteInspector.com
Finding economical coverage for a Nissan Rogue in Texas hinges on many factors such as whether you use your Rogue for business use, if you are a frequent claim filer, and your driving record. Texas drivers will pay on average $1,159 annually to insure their Rogue, but that is using a 50-year-old single male driver with full physical damage coverage and $250 deductibles.
More likely than not, you are not 50 years old and maybe not even male, maybe you are married instead of single, or maybe you want different physical damage deductibles. Everyone has unique insurance needs, and this illustrates why the only real way to find the cheapest rates for your Nissan is to do your own rate comparisons.
The specific model of Rogue tends to have a direct effect on the cost of coverage, so the price to insure a Rogue S 2WD will be $90 lower than the price to insure the more well-appointed Rogue SL AWD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$254||$512||$486||$28||$146||$1,426||$119|
|Rogue S AWD||$254||$512||$486||$28||$146||$1,426||$119|
|Rogue SL 2WD||$254||$512||$486||$28||$146||$1,426||$119|
|Rogue SL AWD||$254||$602||$486||$28||$146||$1,516||$126|
|Get Your Own Custom Quote Go|
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in vehicle location which can influence rates considerably.
Finding decent, cheap car insurance is not easy, and deciding which company offers the best auto insurance rates for a Nissan Rogue will take even more diligence. Each auto insurer has their own process for determining rates, so let's begin by examining the most budget-friendly auto insurance companies in Lubbock, TX.
We do need to point out that Lubbock auto insurance rates are influenced by many factors that may substantially change the cost of your policy. Improving your financial situation, moving to a new city, or getting a few speeding tickets can trigger rate changes resulting in some rates now being cheaper than competitors.
Best Car Insurance Prices for Your Nissan
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
|Find Your Rate Go|
Travelers has some of the most affordable car insurance rates in Lubbock at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheapest Lubbock, TX car insurance companies.
In the rate table above, if you buy coverage from Texas Farm Bureau and switched to Travelers, you could realize a yearly savings of upwards of $190. Drivers with Germania Mutual might save as much as $223 a year, and Esurance policyholders might reduce prices by as much as $344 a year.
To compare your rates to other Texas insurance companies, click here to start your free quote or quote prices from the following companies.
It's important to note that these prices are averages across all drivers and vehicles in Texas and do not take into consideration a specific zip code for a Nissan Rogue. So the car insurance company that is best for you may not even be in the top 23 companies shown above. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.
Liability rates compared to full coverage
Saving money when shopping for auto insurance is probably important to most people, and an effective way to buy cheap insurance for a Nissan Rogue is to only buy liability insurance. The illustration below illustrates the comparison of auto insurance rates with full physical damage coverage and with liability coverage only. The premiums are based on no violations or accidents, $100 deductibles, marital status is single, and no discounts are applied.
As an average, full coverage costs an additional $2,726 per year over having just liability coverage. At some point, almost every driver questions when is the right time to remove full coverage. There isn't a written rule for excluding physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.
There are some circumstances where removing full coverage is not recommended. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
Irresponsible driving raises your rates
The ideal way to snag cheap auto insurance prices in Texas for a Rogue is to be a careful driver and maintain a clean driving record. The chart below illustrates how speeding tickets and at-fault accidents can increase car insurance costs for each age group. The data is based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.
In the previous example, the average cost of car insurance in Texas per year with no violations or accidents is $1,720. Get two speeding tickets and the average cost jumps to $2,359, an increase of $639 each year. Then add one accident along with the two speeding tickets and the annual cost of auto insurance for a Nissan Rogue goes up to an average of $3,014. That's an increase of $1,294, or $108 per month, just for being a careless driver!
If you aren't sure which coverage to buy and prefer to have a consultation when trying to find lower insurance rates for a Rogue, the agents shown below are a good start to provide answers to your questions and help you determine which auto insurance policy fits you best.
To locate a Lubbock insurance agent near you, click the button link following the list.
3302 34th St - Lubbock, TX 79410 - (806) 795-4301
Ana Borrego - State Farm Insurance Agent
8001 Quaker Ave STE G - Lubbock, TX 79424 - (806) 745-2555
David Tate Insurance Agency LLP
5233 79th St - Lubbock, TX 79424 - (806) 794-1177
Cam Fannin Insurance
1810 50th St - Lubbock, TX 79412 - (806) 747-4422
How to find low-cost car insurance for a Nissan Rogue
Lowering your rates is not difficult, and here are some of the better penny-pinching ideas that can help Lubbock drivers locate low-cost coverage.
- Drive a car with a high safety rating
- Violations and traffic tickets increase rates
- Good credit scores may make rates cheaper
- Raise deductibles
- Avoid preventable accidents
- Do not pay for full coverage on older vehicles
- Ensure you have the best deal by shopping around regularly
That last tip is notably necessary, as was noted in the article above. Rates can be changed at any time, so drivers shouldn't be resistant to change insurance companies if you can save money. Having a favorite company is fine, but is isn't recommended if that loyalty results in overpaying lots of money. Take a few minutes and shop around to find cheaper auto insurance for a Nissan Rogue in Lubbock.