Buying cheap coverage for a Nissan Rogue in California is dependent upon lots of different rating factors such as your birth date, your address, and if you have a history of accidents. Drivers in California pay on average $1,290 a year to insure their Rogue, but that figure is using a 30-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you may not be 30 years old (or even female), you might be single instead of married, and you don’t want the same coverages and limits as the example. There is no perfect policy for every driver, so the way we recommend to find cheap auto insurance rates for your Nissan is to put in the effort to do a thorough rate comparison.
The specific trim level will have an impact price, so the rate you pay to insure a Rogue S 2WD trim level will be $100 cheaper than the insurance cost for the more costly Rogue SL AWD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$332||$564||$510||$30||$152||$1,588||$132|
|Rogue S AWD||$332||$564||$510||$30||$152||$1,588||$132|
|Rogue SL 2WD||$332||$564||$510||$30||$152||$1,588||$132|
|Rogue SL AWD||$332||$664||$510||$30||$152||$1,688||$141|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise premiums considerably.
How to find a good Los Angeles car insurance company
Ending up with the top auto insurance provider can be challenging considering how many companies sell coverage in California. The ranking information displayed below may help you choose which auto insurance companies you want to consider when looking for cheaper rates. The ratings below are for large nationwide companies, so companies that have a smaller presence will not be included in the list.
Top 10 Major Auto Insurance Companies Overall in Los Angeles
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
The illustration below demonstrates how deductibles can increase or decrease insurance premiums when trying to find cheap insurance for a Nissan Rogue. The rate quotes are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 40-year-old driver could reduce rates by $360 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $544 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, can save as much as $896 each year by using higher deductibles when buying full coverage. When choosing a higher deductible, it will now be necessary to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Why you should be comparing rates
California car insurance rates are influenced by many factors that can increase the price you have to pay. Simply improving your credit, getting married, or having an accident may generate price changes that may make certain companies affordable when they were higher priced.
Not only may things change on your end, but auto insurance companies change their prices without warning to adjust for unexpected claims or profits. Higher than normal claim frequency or severity can cause price increases, while better underwriting can result in more affordable Rogue insurance rates.
To help illustrate this point, the chart below shows the company with the cheapest car insurance in Los Angeles, CA for a 45-year-old female driver with a clear driving record, no claims, and excellent credit. Based on her personal risk profile, USAA may have the lowest car insurance rates in Los Angeles at $1,781 each year. This is $130 more than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remaining cheapest Los Angeles, CA auto insurance companies.
The example below compares rates after we give the driver in the first chart an at-fault accident, a lower credit rating, and a couple of points charged on her driving record. Since each insurance company uses their own method for establishing rates, analyzing rate quotes will most likely result in a substantially altered list of companies as shown below.
Grange now has the best insurance rate in Los Angeles with Mercury, GEICO, Progressive, and Allied also being competitive. This example proves why drivers need to shop around with many companies to find the best insurance rates for a Nissan Rogue. Car insurance prices are determined by many factors and change dramatically, so the most economical option three years ago may now be one of the more expensive options.
Tips for finding low-cost car insurance for a Nissan Rogue
Below you’ll find some of the recommended money-saving ideas that can help Los Angeles drivers buy lower-cost auto insurance.
- Safer vehicles cost less to insure
- Do not waste money insuring older vehicles for full coverage
- Increase your physical damage deductibles
- Pay lower rates with good credit
- Serious violations like DUI or reckless driving can increase rates dramatically
- Avoid having at-fault accidents
- Comparison shop at least every other year
That last tip is certainly significant, as we stressed in this piece. Car insurance prices can change considerably in a year, so drivers shouldn’t be reluctant to buy a different policy if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that dedication is costing a lot of money every month. In just a couple of minutes you could compare rates and find cheaper car insurance for a Nissan Rogue in Los Angeles.