Finding economical coverage for a Nissan Rogue in California can be pretty simple, but it relies on a lot of rating factors such as how safe your vehicle is, the condition of your credit, and driving violations. Drivers will pay on average $1,410 annually to insure their Rogue, but that is calculated based on a 30-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
There's a high likelihood you may not be 30 years old (or even female), possibly single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Not every driver requires the same auto insurance coverages, so the best way to find affordable rates for your Nissan is to do the rate comparisons yourself.
The specific trim level will be a contributing factor to the coverage cost, so the price to insure a Rogue S 2WD model will cost $120 less than the cost to insure the more costly 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||$368||$672||$510||$30||$152||$1,732||$144|
|Rogue S AWD||$368||$672||$510||$30||$152||$1,732||$144|
|Rogue SL 2WD||$368||$672||$510||$30||$152||$1,732||$144|
|Rogue SL AWD||$368||$792||$510||$30||$152||$1,852||$154|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in Santa Ana location which can impact rates substantially.
Deciphering which insurers offer the cheapest auto insurance rates for a Nissan Rogue may require a little more sweat in order to find the most economical policy.
Every insurance provider has a different process to establish rates, so we'll go over the most competitive auto insurance companies in Santa Ana, CA.
Lowest Insurance Price Quotes for Your Nissan
|Rank||Company||Cost Per Year|
|Compare Rates Now Go|
USAA quotes some of the cheapest car insurance rates in Santa Ana at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide also are some of the cheaper Santa Ana, CA auto insurance companies.
As the example above demonstrates, if you are a policyholder with CSAA and switched to USAA, you could see yearly savings of about $77. Insureds with Century National might save as much as $105 a year, and Nationwide policyholders might reduce prices by as much as $142 a year.
Bear in mind that those policy rates are averaged for all ages of drivers and types of vehicles and and are not figured with a specific location for a Nissan Rogue. So the company that is best suited for you may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own personal information and vehicle type.
The information below shows how different deductible levels can change insurance prices when quoting cheap insurance for a Nissan Rogue. Data assumes a married male driver, full coverage, and no policy discounts are applied.
The chart above illustrates that a 40-year-old driver could cut expenses by $416 a year by switching from a $100 deductible up to a $500 deductible, or save $626 by switching to a $1,000 deductible. Young drivers, like the 20-year-old category, could potentially save $1,398 every year just by choosing higher deductibles when buying full coverage. When raising deductibles, it will be necessary to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Who has the cheapest Rogue insurance?
Santa Ana auto insurance rates are calculated based on many things that can increase the cost of a policy. Improving your credit rating, buying a different vehicle, or getting a DUI may generate price changes that can make some companies more affordable than others.
Not only may your risk profile change, but car insurance companies amend pricing multiple times each year as an adjustment for underwriting gains or losses. A period of increased losses may result in rate hikes, while a profitable period may produce more affordable Rogue insurance rates.
As an example, the bar chart below shows the companies that have the cheapest car insurance in Santa Ana, CA for a 40-year-old male driver with a clean driving record, no accidents, and a high credit rating. If we compare prices based on his current situation, USAA offers the lowest car insurance rates in Santa Ana at $1,248 each year. This is $403 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remaining cheapest Santa Ana, CA auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a claim, bad credit, and a traffic ticket or two. Since every car insurance company has a unique approach for determining rates in each state, comparing rates may now result in a substantially altered list of the cheapest car insurance companies in Santa Ana as shown below.
Grange now has the cheapest auto insurance in Santa Ana, CA with Progressive, Allstate, Mercury, and Allied completing the list. This illustrates why drivers need to compare rates to get the most economical insurance rates for a Nissan Rogue.
Rates consist of many different factors and can increase or decrease at any time, so the lowest-price company two years ago may now be quite expensive.
If you have questions and prefer to get some guidance when trying to find the best insurance rates for a Rogue, the insurance agencies listed below are a good start to help you determine which coverage fits your budget. To find a Santa Ana insurance agent using an interactive map, click the button following the list.
- Farmers Insurance - Araceli Padilla
2424 N Grand Ave b - Santa Ana, CA 92705 - (714) 543-4638
- Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814
- Leavitt Group - Leavitt Insurance Services of Southern California
1820 E First St #500 - Santa Ana, CA 92705 - (714) 569-2700
How to find budget-friendly insurance for a Nissan Rogue
The list below details some thrifty suggestions that can help drivers get more affordable car insurance.
- Buy vehicles with five-star safety ratings
- Save money by observing traffic laws and speed limits
- Do not pay for full coverage on older vehicles
- At-fault accidents can raise rates significantly
- Buying car and homeowners insurance together can save money
- Discounts for being claim-free can be substantial
- Comparison shop frequently
The final tip is extraordinarily vital, as we hit on in the article above. Insurance rates can change in a short period of time, so don't be afraid to change insurance companies if a cheaper price is available. We understand brand loyalty, but it's not recommended if that dedication is costing hundreds of dollars a year. Take a couple minutes and shop around to find cheaper insurance for a Nissan Rogue in Santa Ana.