Buying the best cheap coverage for a Nissan Rogue in Texas is pretty simple, but it is dependent upon a lot of things such as annual miles driven, the performance level of your vehicle, and citations on your driving record. Texas drivers pay around $872 each year for Rogue insurance, but that amount is a projection calculated using a 40-year-old married female driver with full physical damage coverage and $1,000 deductibles.
Most likely you’re not a 40-year-old female, possibly single instead of married, or you just prefer to insure for liability only. Car insurance coverage is unique to each driver, so this is why the only real way to find affordable rates for your Nissan is to just compare rates yourself.
The specific model of Rogue tends to have a direct effect on the coverage cost, so the price you will be charged to insure a Rogue S 2WD will cost $54 less than the insurance cost for the fancier Rogue SL AWD model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $156 | $306 | $452 | $26 | $136 | $1,076 | $90 |
| Rogue S AWD | $156 | $306 | $452 | $26 | $136 | $1,076 | $90 |
| Rogue SL 2WD | $156 | $306 | $452 | $26 | $136 | $1,076 | $90 |
| Rogue SL AWD | $156 | $360 | $452 | $26 | $136 | $1,130 | $94 |
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific Fort Worth garaging location which can raise or lower prices significantly.
Best car insurance company in Texas
Picking a good quality auto insurance company can be challenging considering how many companies there are to choose from in Texas. The rank data shown below may help you pick which auto insurers to look at when comparing auto insurance rates for a Nissan Rogue. These rankings are only comprised of large, nationwide insurance companies, so companies with more of a regional focus are not taken into consideration for these rankings.
| 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 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| 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 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Fort Worth auto insurance
Auto insurance companies that offer coverage for a Nissan Rogue could also offer discounts that could reduce prices by as much as 30% if you meet certain criteria. Large car insurance companies and a partial list of their discounts can be read below.
- The Hartford may offer discounts for good student, defensive driver, air bag, anti-theft, vehicle fuel type, and driver training.
- American Family offers premium reductions for multi-vehicle, good student, good driver, early bird, mySafetyValet, bundled insurance, and Steer into Savings.
- Progressive may include discounts for online quote discount, good student, multi-policy, multi-vehicle, continuous coverage, and online signing.
- Travelers offers discounts including good student, multi-car, save driver, payment discounts, home ownership, and new car.
- Farmers Insurance offers discounts for teen driver, good student, youthful driver, electronic funds transfer, and early shopping.
- USAA policyholders can earn discounts including multi-policy, good student, driver training, safe driver, and family discount.
- Liberty Mutual has savings for good student, exclusive group savings, newly married, new move discount, new graduate, and new vehicle discount.
The chart below shows the difference between car insurance costs with and without discounts applied. The data assumes a female driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, accident-free, multiple vehicle, claim-free, defensive driving course, and homeowner discounts applied. When discounts are factored in, theamount saved on car insurance for a Nissan Rogue is 28% or $706.
The chart below illustrates how choosing a deductible can influence insurance rates when quoting cheap insurance for a Nissan Rogue. The costs are based on a single female driver, comp and collision included, and no policy discounts are applied.
As shown above, a 50-year-old driver could cut expenses by $362 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $546 by using a $1,000 deductible. Younger drivers, like the 20-year-old category, could reduce their rates $920 or more just by choosing higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it will be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Rate increases following a ticket or accident
The common sense way to receive the best car insurance rates in Texas for a Rogue is to be an attentive driver and avoid accidents and traffic citations. The example below illustrates how traffic citations and accident claims increase car insurance rates for different age groups. The price estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
In the prior example, the average cost of car insurance in Texas per year with no accidents and a clean driving record is $1,929. Get one speeding ticket and the average cost rises to $2,248, an increase of $319 each year. Now add in one accident along with the one speeding ticket and the annual cost of car insurance for a Nissan Rogue increases to an average of $3,140. That’s an increase of $1,211, or $101 per month, just for not being a responsible driver!