Cheapest Insurance for a Nissan Rogue in South Dakota

Cheapest Insurance for a Nissan Rogue in South Dakota

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.

Compare Rates Now

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.

Nissan Rogue Insurance Rates in South Dakota
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

Get a Free Quote and Save

Who has the cheapest car insurance in South Dakota?
Rank Company Cost Per Year
1 USAA $657
2 Auto-Owners $888
3 State Farm $997
4 Farmers Mutual of Nebraska $1,026
5 Western National $1,036
6 Unitrin $1,065
7 Farmers $1,099
8 Allied $1,143
9 Buckeye $1,155
10 Farm Bureau Mutual $1,222
11 Progressive $1,230
12 American Family $1,466
13 Allstate $1,583
14 GEICO $1,634
15 North Star $1,662
16 National Farmers Union $1,900
17 Safeco $2,504
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.

Rate increases following a ticket or accident

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!

Allstate, Progressive, Geico, or State Farm: Which is best?

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.

Comparison of Top U.S. Car Insurance Companies
Allstate Progressive Geico State Farm
Client Satisfaction 2nd 3rd 1st 4th
Claims Rank 1st 4th 3rd 2nd
Policy Discounts 1st 4th 2nd 3rd
Overall Price 4th 3rd 1st 2nd
Rating from A.M. Best A+ A+ A++ A++
Standard & Poor’s rating AA- AA AA+ AA
Usage-based rating Yes Yes No Yes
Emergency roadside assistance Yes Yes Yes Yes
Coverage for ridesharing Yes Yes Yes Yes
Accident forgiveness Yes Yes Yes No
Mechnical breakdown No Yes Yes No
New car replacement coverage Yes No No No
Coverage in South Dakota Yes Yes Yes Yes
Compare Prices Now Go

How to get the cheapest insurance for a Nissan Rogue in South Dakota

Below you’ll find a few money-saving solutions that can help drivers buy cheaper auto insurance.

  • Do not get into accidents that are your fault
  • Raise your physical damage coverage deductibles
  • Good credit can help you save money
  • Assess whether full coverage is needed
  • Drive a car with a high safety rating
  • Serious violations like DUI or careless driving can make car insurance unaffordable
  • Compare rates and switch if you can find a better deal

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.

Best cheap Nissan Rogue insurance quotes

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.