Best Cheap Insurance for a Nissan Rogue in Iowa

When discussing auto insurance, the words “affordable” or “cheap” shouldn’t be used anywhere to describe car insurance rates. It’s just a fact that cheap auto insurance for a Nissan Rogue is just plain contradictory. Don’t let that discourage you, because we are going to show you some ways you can find car insurance that doesn’t cost an arm and a leg.

The chances that you’ll find affordable car insurance for a Nissan Rogue in Iowa is contingent on many rating criteria like how many years you have been driving, if you are currently insured, and citations on your driving record. Iowa drivers pay on average $730 annually to insure a Rogue, but that amount is an estimation assuming a 30-year-old single female who needs both comprehensive and collision coverage and $1,000 deductibles.

That rate won’t apply to everyone, because more than likely you are not exactly 30 years old and possibly not even female, married instead of single, or maybe you live in a different part of Iowa than the example. Every insurance policy is unique to the driver, so the best way to find the cheapest coverage for your Nissan is to compare as many rates as possible.

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The specific model of Rogue will be a contributing factor to the cost of coverage, so the rate you will pay to insure a Rogue S 2WD will be $44 less than the insurance cost for the higher-end Rogue SL AWD model, as shown in the prices below.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in your specific Iowa location which can lower or raise auto insurance rates significantly.

Insuring your vehicle with a highly-rated company can be a challenge considering how many companies are available to choose from in Iowa. The ranking information shown below may help you analyze which coverage providers to look at purchasing from.

The ratings below are only made up of the largest auto insurers in America, so companies without a large exposure are not included in these rankings. To get price quotes and find the cheapest rates for a Nissan Rogue, just click here.

Types of discounts on Iowa auto insurance rates

Insurance providers that provide the best cheap insurance for a Nissan Rogue in Iowa could also offer special discounts that could lower prices by as much as 30% if you meet certain criteria. Popular insurance companies and some of the premium reductions they offer are shown below.

The illustration below compares car insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving violations, Iowa state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with marriage, vehicle safety, anti-theft, claim-free, accident-free, and homeowner discounts applied. When these discounts are applied, the average savings per year on insurance for a Nissan Rogue is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2811,2021],[‘Age 30’, 1475,1071],[‘Age 40’, 1447,1049],[‘Age 50’, 1319,957],[‘Age 60’, 1279,925],[‘Age 70’, 1565,1127]]);var options = {title: ‘Effect of Discounts on Insurance Rates 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’,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);}

Here’s why price comparisons are so important

Iowa insurance rates are determined by lots of factors that may substantially change the price you pay. Improving your credit score, buying a home instead of renting, or getting caught speeding can trigger rate changes that may make certain companies cheaper than before.

In addition to those changes, insurance companies file new rates as often as every three months in order to protect their financial rating. An unexpected high level of claims may result in higher rates, while profitable underwriting may produce lower-priced Rogue insurance rates.

To illustrate this point, the graph below shows which company has the cheapest car insurance in Iowa for a 30-year-old female driver with no prior accidents, a clean driving record, and excellent credit. If we estimate prices based on her current risk profile, USAA might offer the cheapest car insurance rates in Iowa at $662 annually. This is $513 less than the average rate paid by Iowa drivers of $1,175. Partners Mutual, Western National, Allied, and State Farm are also on the list of the top five cheapest Iowa auto insurance companies.

google.charts.setOnLoadCallback(drawIAWitcqcibChart);function drawIAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 662, ‘#5E9216’],[‘Partners Mutual’, 684, ‘#4E7912’],[‘Western National’, 777, ‘#41640F’],[‘Allied’, 787, ‘#36530C’],[‘State Farm’, 891, ‘#2D450A’]]);var options = {title: ‘Best Car 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:991,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);}

Now we will give the driver in the first example a claim, a lower credit rating, and a stop sign violation. Since each auto insurer has a different formula to determine rates, comparing rates may now show a substantially altered list of companies as shown below.

google.charts.setOnLoadCallback(drawIAWcqcibChart);function drawIAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Nationwide’, 1007.6, ‘#C75000’],[‘Partners Mutual’, 1026, ‘#A54200’],[‘Auto-Owners’, 1042.8, ‘#893700’],[‘Farm Bureau Mutual’, 1073.6, ‘#722D00’],[‘Travelers’, 1089, ‘#5F2500’]]);var options = {title: ‘Car Insurance Rates with Claims 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:1189,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);}

Nationwide now has the cheapest price in Iowa with Partners Mutual, Auto-Owners, Farm Bureau Mutual, and Travelers completing the list. This example shows why it is important to shop around with many companies when trying to get affordable car insurance quotes for a Nissan Rogue. Car insurance prices are calculated by many risk factors and can change without notice, so the most affordable company a year ago may now be one of the higher cost companies.

How to get the best cheap insurance for a Nissan Rogue in Iowa

Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help Iowa drivers find cheap auto insurance.

• Safe vehicles generally have lower rates
• Increase physical damage deductibles
• Clean up your credit
• Having too many claims will increase rates substantially
• Remove physical damage coverage on older vehicles
• Buy your auto and home insurance from the same company and save
• Compare prices as often as possible

That final tip is extremely vital, as we pointed out in the prior information. Prices charged by auto insurers in Iowa go up and down frequently, so don’t be tentative to switch carriers if a cheaper rate is available.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if that loyalty ends up costing a fortune every year. In less than five minutes you could compare rates and find cheaper auto insurance for a Nissan Rogue.