When the topic is car insurance, the word affordable should not be used as a descriptor for car insurance rates. Notwithstanding, cheap auto insurance for a Nissan Rogue is pretty hard to find. Don’t let that bother you, though, because we will teach you how you can still get car insurance that most people can afford.
The odds of finding the cheapest car insurance for a Nissan Rogue in South Dakota is dependent upon a complicated rating formula that uses factors like whether you are a new or experienced driver, if you are currently insured, and if you have tickets or violations. Drivers will pay around $810 a year to buy Nissan Rogue insurance, but that cost is that rates a 40-year-old single female that included comprehensive and collision coverage and $1,000 deductibles.
There is a good chance you are not 40 and maybe not even a female, possibly married instead of single, or maybe your driving record isn’t squeaky clean. Having the smallest difference in the factors used to determine rates can cause significant differences in the cost of insurance for a Nissan Rogue.
Not every driver requires the same auto insurance coverages, so the best method for finding affordable rates for your Nissan is to take your time and compare rates from as many companies as possible.
The trim level of your vehicle tends to impact the annual cost of coverage, so the price you will pay to insure a Rogue S 2WD trim level will be $50 cheaper than the insurance cost for the fancier Rogue SL AWD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$136||$272||$434||$26||$130||$998||$83|
|Rogue S AWD||$136||$272||$434||$26||$130||$998||$83|
|Rogue SL 2WD||$136||$272||$434||$26||$130||$998||$83|
|Rogue SL AWD||$136||$322||$434||$26||$130||$1,048||$87|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in specific location which can modify coverage rates noticeably.
Figuring out which companies offer the cheapest insurance rates for a Nissan Rogue takes a tad more effort in order to find the most economical policy. Every car insurance company uses their own formula to set their prices, so let’s rank the most competitive insurance companies in South Dakota.
It’s important to understand that South Dakota insurance rates are impacted by many factors that can increase the policy price. Simply having another birthday, buying a different vehicle, or getting a DUI may generate price changes resulting in some companies being cheaper than competitors.
Compare Cheap Insurance Quotes for Your Nissan
|Rank||Company||Cost Per Year|
|4||Farmers Mutual of Nebraska||$1,026|
|10||Farm Bureau Mutual||$1,222|
|16||National Farmers Union||$1,900|
|Find Your Rate Go|
USAA offers some of the cheapest car insurance rates in South Dakota at around $657 each year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National also are some of the best South Dakota car insurance companies.
As shown in the rates above, if you buy coverage from Farmers Mutual of Nebraska and switched to Auto-Owners, you might realize savings of upwards of $138. South Dakota drivers with Western National may save as much as $148 a year, and Unitrin policyholders might lower prices by up to $177 a year.
These policy rates are averages for all drivers and vehicles and and are not calculated with a specific rate factor for a Nissan Rogue. So the car insurance company that can offer the best rates for your situation may not even be in the above rate chart. That point stresses why you need to get rate quotes using your own personal information and vehicle type.
A great way to enjoy the cheapest insurance for a Nissan Rogue in South Dakota is to drive safely and have a clean driving record. The illustration below shows how speeding tickets and at-fault collisions can raise insurance prices for each different age category. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of car insurance in South Dakota per year with no accidents and a clean driving record is $1,574. Add in two speeding tickets and the average cost jumps to $2,069, an increase of $495 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of insurance for a Nissan Rogue increases to an average of $4,199. That’s an increase of $2,624, or $219 per month, just for not driving carefully!
When it comes to buying auto insurance, some of the largest companies to start with are Allstate, Progressive, Geico, and State Farm. They all have the same basic coverages, but each one has different options that add value to each policy. The following table compares some of the different features that are available.
|Rating from A.M. Best||A+||A+||A++||A++|
|Standard & Poor’s rating||AA-||AA||AA+||AA|
|Emergency roadside assistance||Yes||Yes||Yes||Yes|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|New car replacement coverage||Yes||No||No||No|
|Coverage in South Dakota||Yes||Yes||Yes||Yes|
|Compare Prices Now Go|
Below you’ll find a few money-saving solutions that can help drivers buy cheaper auto insurance.
That last tip is incredibly vital, as was noted in this write-up. Prices charged by car insurance companies in South Dakota can change considerably in a year, so don’t be afraid to buy from a new company if you can find a cheaper rate.
Being loyal to a particular company is commendable, but it’s not a great idea if it’s costing you thousands of dollars over the life of your policy. It only take a few minutes to compare rates to find cheaper car insurance for a Nissan Rogue.
There are quite a few ways to compare insurance prices in South Dakota, but the most common methods are from an independent or non-exclusive agent, a captive (or exclusive) agent like Allstate or State Farm, or direct either online or via phone. They all follow the same basic process, but each is slightly different in how they provide price quotes.
Independent agencies are appointed by several companies and can get policy pricing from all of them. Agents of this type are able to get prices from more than one company, which can give you improved chances of finding a lower rate. If they find a lower price, your agent can just switch to a different company and you can remain with the same agent.
Exclusive agents are usually restricted to a single company, for example a State Farm or Liberty Mutual agent. They are unable to shop your coverage around, so it’s a good idea to shop around.
Buying from a direct company means do not use a local agent and buy direct from companies such as Geico or Progressive. Buying direct may be good for people who have little risk and have knowledge of how insurance works.
What is the best way to buy the cheapest insurance for a Nissan Rogue in South Dakota? We’d like to say buying from a direct company results in the best prices because there isn’t an agent involved, but that generally is not the case. And we’d like to say buying insurance from an independent agent guarantees the lowest rates since there are more companies to choose from, but again, that’s not accurate. And often times, exclusive agencies have extremely competitive rates well below independent agents AND direct companies.
Since insurance prices are based on many different factors, the only true way to get the lowest rate is to get quotes and compare. We recommend you get rate quotes from all three to give yourself the best selection. For a list of companies with online discounts, click here to view.