Cheap Insurance for a Nissan Rogue in Kentucky

Cheap Insurance for a Nissan Rogue in Kentucky

Your ability to find affordable auto insurance for a Nissan Rogue in Kentucky depends on a whole bunch of rating criteria like if you own the home you live in, if you are currently insured, and any prior driving citations you have received. Kentucky drivers on average will pay $850 per year for Rogue insurance, but that is a valuation assuming a 30-year-old married female driver that included comprehensive and collision coverage and $500 physical damage deductibles.

There is a high probability that you are not a 30-year-old female, single instead of married, or maybe you prefer higher deductibles. Changing even a minor factor in the rating criteria used to formulate rates can cause significant differences in price quotes.

Auto insurance is not “one size fits all”, so the best way to find cheap insurance rates for your Nissan is to do the rate comparisons yourself. Comparing quotes is easy and you will be able to compare rates from the best companies in Kentucky.

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Your Nissan’s trim level impacts the coverage cost, so the rate you will pay to insure a Rogue S 2WD model will be $60 lower than the price to insure the high end Rogue SL AWD model, as shown in the table below.

Nissan Rogue Insurance Rates in Kentucky
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $198 $336 $376 $22 $112 $1,044 $87
Rogue S AWD $198 $336 $376 $22 $112 $1,044 $87
Rogue SL 2WD $198 $336 $376 $22 $112 $1,044 $87
Rogue SL AWD $198 $396 $376 $22 $112 $1,104 $92
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in specific garaging location which can revise auto insurance rates substantially.

Buying coverage from a high-quality insurance provider can be a challenge considering how many different insurance companies sell coverage in Kentucky. The ranking information displayed below can help you decide which coverage providers you want to consider purchasing a policy from. The ratings below only include companies that insure vehicles across America, so companies that only write business in Kentucky or surrounding areas are not taken into consideration for these rankings.

Top 15 Car Insurance Companies for a Nissan Rogue
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
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Data Source: Insure.com Best Car Insurance Companies

The example below demonstrates how deductibles can change insurance costs when quoting cheap insurance for a Nissan Rogue. The premiums are based on a married female driver, full coverage, and no discounts are applied to the premium.

In the chart above, a 50-year-old driver could lower rates by $300 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $454 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could save $744 or even more by choosing larger deductibles on their policy. When using a larger deductible, it will be necessary to have additional funds in a savings account to be able to cover the extra out-of-pocket expense that is associated with using high deductibles.

Should you buy full coverage?

Finding cheap insurance for a Nissan Rogue in Kentucky is probably important to most people, and one common way to lower the cost of insurance is to buy only liability coverage. The information below illustrates the comparison of car insurance costs with full coverage and liability only. The information is based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average all the age groups together, physical damage coverage on your policy costs an extra $1,741 per year more than insuring for liability only. That touches on the question if full coverage is worth the money. There is no definitive rule for excluding physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s replacement cost is $11,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $10,500 after paying your policy deductible. If you are paying more than $1,050 a year to have full coverage, then you might consider buying liability only.

There are some conditions where dropping physical damage coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Does Allstate, State Farm, Progressive, or Geico have the cheapest car insurance?

If you are shopping around for auto insurance, the companies with the most market share are Allstate, State Farm, Progressive, and Geico. When added together, they insure almost 50% of the entire U.S. market share. The next table shows ratings and policy coverage options offered by each company.

Top Four Car Insurance Companies Compared
Allstate State Farm Progressive Geico
Discounts Offered 1st 3rd 4th 2nd
Overall Satisfaction 2nd 4th 3rd 1st
Handling of Claims 1st 2nd 4th 3rd
Price Ranking 4th 2nd 3rd 1st
A.M. Best financial rating A+ A++ A+ A++
Standard & Poor’s rating AA- AA AA AA+
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Accident forgiveness Yes No Yes Yes
New car replacement Yes No No No
Breakdown insurance No No Yes Yes
Rating based on usage Yes Yes Yes No
Roadside assistance Yes Yes Yes Yes
Offered in Kentucky Yes Yes Yes Yes
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Who has the cheapest Nissan Rogue insurance quotes?

Due to technology, there are many ways to buy car insurance in Kentucky, but the most common are through an independent insurance agent, a captive (or exclusive) agent such as Allstate or Liberty Mutual, or direct from companies such as Progressive or Geico. You can use whichever method you prefer, but shoppers should understand the differences in how they function.

Independent agencies work with multiple companies and can get policy pricing from all of them. Agents of this type possess the freedom to provide multiple price quotes, which can give you improved odds of finding cheaper coverage. If they quote lower rates, your agent can just switch to a different company and you won’t have to switch agencies.

A captive, or exclusive, agent is only able to write with a single company such as an Allstate or Liberty Mutual agent. These agents usually cannot provide a range of price quotes, so if their prices are high, they cannot shop around.

Buying from a direct company means forego either of the other two types of agents and instead buy direct from companies such as Esurance or Progressive. This option can be a good choice for consumers who have an average risk profile and have a decent understanding of what limits they need.

So which way is best to buy cheap insurance for a Nissan Rogue in Kentucky? We’d like to tell you shopping direct results in the cheapest rates since that prevents the need to pay agent commissions, but that turns out to not be true. We could also assume that buying car insurance from an independent agent can save the most money since they can quote with many companies, but again, that’s not accurate. For some people, exclusive agents have extremely competitive rates that are well below what direct and independents offer.

Because there are so many factors that make up car insurance rates, the one way to ensure you are not overpaying is to obtain price quotes and compare them. Put in the effort to get price quotes from all three to have enough rates to compare. For a list of companies with some of the cheapest Kentucky car insurance rates, click here to view.