Who Has the Cheapest Insurance Quotes for a Nissan Rogue in Arizona?

We always joke that when we write about car insurance, the word “cheap” should never appear anywhere to describe car insurance prices. It’s just reality that cheap car insurance for a Nissan Rogue is not easy to find. Don’t let that get you down, though, because we can show you some ways you can quote car insurance that fits into your budget.

The chances of finding affordable insurance for a Nissan Rogue in Arizona is contingent on factors like the mileage of your daily commute, the performance level of your vehicle, and if you have any chargeable driving offenses. Drivers pay on average $800 annually to insure their Rogue, but that rate is an estimate based on cost data for a 50-year-old single female that purchased comprehensive and collision coverage and $500 deductibles.

Chances are that rate is not what you would pay, because most likely you are not exactly 50 years old and possibly not even female, married instead of single, and there is a good chance that there are other drivers on your policy. Not every driver requires the same auto insurance coverages, so the best way to find the cheapest rates for your Nissan is to compare rates from as many companies as possible.

Compare Rates and Save

The trim level of your vehicle impacts the yearly cost, so the price to insure a Rogue S 2WD model will be $56 less expensive the price to insure the more costly Rogue SL AWD trim level, as shown in the chart below.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium costs do not factor in zip code location which can increase or decrease insurance rates noticeably.

Buying cheap auto insurance is challenging, and determining which companies have the cheapest auto insurance rates for a Nissan Rogue will require additional perseverance. Each insurer has a unique approach for establishing rates, so let’s rank the lowest cost auto insurance companies in Arizona.

Find Cheaper Auto Insurance for Your Nissan

Compare Rates Now

The Hartford offers some of the lowest car insurance rates in Arizona at around $836 per year. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the best Arizona insurance companies.

As shown in the table above, if you are a customer of Travelers and switched to The Hartford, you could realize a yearly price reduction of in the vicinity of $239. Customers with USAA may save as much as $244 a year, and Progressive policyholders might reduce rates by $294 a year.

Remember that these policy prices are averages across all types of insureds and vehicles and and are not calculated with a specific rate factor for a Nissan Rogue. So the car insurance company that has the cheapest rates for you may not even be featured in the above list. That emphasizes why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

Discount Arizona insurance

Insurance providers that offer the cheapest insurance for a Nissan Rogue in Arizona may have premium discounts that can lower rates by 40% or more if you meet the requirements. The best auto insurance companies and some of the discounts can be read below.

• State Farm discounts include accident-free, defensive driving training, safe vehicle, anti-theft, and student away at school.
• Esurance offers discounts for online shopper, renters, claim free, anti-lock brakes, and Pac-12 alumni.
• Progressive offers discounts including multi-policy, multi-vehicle, good student, online quote discount, and online signing.
• Liberty Mutual offers premium reductions for new graduate, good student, multi-policy, newly married, safety features, and multi-car.
• Auto-Owners Insurance may offer discounts for mature driver, paid in full, safe driver, air bags, anti-lock brakes, and safe vehicle.
• GEICO may include discounts for military active duty, daytime running lights, driver training, anti-theft, multi-vehicle, federal employee, and emergency military deployment.

The illustration below visualizes the comparison of car insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, defensive driving course, claim-free, accident-free, multiple policy, and marriage discounts applied. In this example, the average savings per year on auto insurance for a Nissan Rogue is 28% or $597.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3687,2651],[‘Age 30’, 1911,1387],[‘Age 40’, 1893,1369],[‘Age 50’, 1719,1245],[‘Age 60’, 1665,1205],[‘Age 70’, 2029,1463]]);var options = {title: ‘Insurance Premium Comparison for a Nissan Rogue’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in Arizona’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The benefits of price comparisons

Arizona auto insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay for coverage. Getting older, getting married, or getting caught speeding may generate price changes that can cause some rates to be cheaper than before.

Also, car insurance companies change prices every year in order to remain profitable. Heavier than normal losses may cause increased policy costs, while profitable underwriting may cause more affordable Rogue insurance rates.

To illustrate this point, the data below shows the companies that have the cheapest car insurance in Arizona for a 35-year-old female driver with a clean driving record, no accidents, and good financial standing. If we estimate prices based on her current rating profile, The Hartford might quote the best car insurance rates in Arizona at $836 a year. This is $592 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also on the list of the best Arizona auto insurance companies.

google.charts.setOnLoadCallback(drawAZWitcqcibChart);function drawAZWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 836, ‘#0D6781’],[‘Auto-Owners’, 888, ‘#0A556B’],[‘Safeco’, 905, ‘#084659’],[‘USAA’, 1080, ‘#063A4A’],[‘Travelers’, 1119, ‘#05303D’]]);var options = {title: ‘Best Auto Insurance Rates for a Nissan Rogue’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1219,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Let’s now give the driver from the first example an at-fault accident, a lower credit rating, and a few traffic violations. Since each insurance company uses their own calculation for setting prices, comparing prices may now show a different set of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawAZWcqcibChart);function drawAZWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘GEICO’, 1294.7, ‘#C77F00’],[‘CSAA’, 1307.9, ‘#A56900’],[‘Ameriprise Group’, 1328.8, ‘#895700’],[‘Allied’, 1356.3, ‘#724800’],[‘Safeco’, 1357.5, ‘#5F3C00’]]);var options = {title: ‘Best Rates with Accidents and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1457.5,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

GEICO now has the best insurance rate in Arizona with CSAA, Ameriprise Group, Allied, and Safeco now rounding out the top five. This example illustrates why it is so important to take the time to shop around to get the most economical insurance quotes for a Nissan Rogue.

Auto insurance prices can be altered by many risk factors and can increase or decrease at any time, so the cheapest option the last time you shopped your coverage around may now be quite expensive.

How to get the cheapest insurance for a Nissan Rogue in Arizona

Here are a few penny-pinching ideas that can help Arizona drivers find low-cost coverage.

• Increase your credit rating
• Drive a car with a high safety rating
• Avoid having at-fault accidents
• Do not pay for comprehensive and collision coverage on older vehicles
• Buying car and homeowners insurance together can save money
• Comparison shop at least every other year

The last idea is remarkably necessary, as we discussed in this article. Auto insurance rates can be modified anytime, so don’t be tentative to switch to a new company if a more affordable rate is found.

Brand loyalty is not necessarily bad, but it’s not a good idea if that stubbornness costs you major coinage every year. It only take a few minutes to shop around and find cheaper insurance for a Nissan Rogue.