Cheap Insurance for a Nissan Rogue in Rhode Island

The chances that you’ll find cheaper car insurance for a Nissan Rogue in Rhode Island relies on things like how many miles you drive each year, your credit history, and if you have a clean driving record. Rhode Island drivers on average will pay $1,320 a year for Rogue insurance, but that figure is a ballpark figure using rate data for a 50-year-old single female driver with full coverage and $100 policy deductibles.

Chances are that you are not exactly 50 years old and possibly not even female, married instead of single, and maybe your Rogue just needs liability-only coverage. Even a minor change in rating variables or coverage information can cause large differences in the coverage rate.

Different coverage needs are the reason why the way we recommend to find cheap auto insurance rates for your Nissan is to just compare rates yourself.

Insure Your Nissan for Less

The specific model of Rogue tends to have a direct impact on the insurance rate, so the rate you will pay to insure a Rogue S 2WD model will be $110 less than the price to insure the higher-priced Rogue SL AWD version, as demonstrated by the prices below.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in zip code location which can influence insurance rates substantially.

Finding decent, cheap car insurance is hard enough, and deciding which companies have the most affordable car insurance rates for a Nissan Rogue involves a little more work. Every insurance provider uses a slightly different approach for setting rates, so we’ll go over the car insurance companies with the overall cheapest rates in Rhode Island.

Cheap Insurance Rates for Your Nissan

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USAA offers some of the best car insurance rates in Rhode Island at around $719 a year. State Farm, Travelers, Progressive, and Amica are also some of the more affordable Rhode Island auto insurance companies.

As shown above, if you buy coverage from Amica and switched to State Farm, you might see a yearly price reduction of in the neighborhood of $369. Customers with Quincy Mutual may save as much as $451 a year, and Peerless policyholders might see rate reductions of $640 a year.

These estimates are averaged across all ages of drivers and types of vehicles and do not factor in a specific rating modification for a Nissan Rogue. So the car insurance company that can offer you the best price may not even be included in the list of companies above. That is why you need to quote rates from many companies using your own specific driver information and vehicle.

Liability rates compared to full coverage

Finding cheap insurance for a Nissan Rogue in Rhode Island should be important to the majority of people, and one of the best ways to lower the cost of insurance is to only pay for liability coverage. The information below visualizes the comparison of premium costs with and without physical damage coverage. The premiums assume no claims or driving citations, $250 deductibles, drivers are single, and no discounts are applied.

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If averaged out across all ages, physical damage insurance costs $2,669 per year over liability only. That is a significant amount which raises the question if buying full coverage is worth the money. There is no specific rule that is best for determining when to drop physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

Which major car insurance company is best?

When it comes to buying auto insurance, the first places to look would be Progressive, Geico, Allstate, and State Farm. The next table illustrates price and claims rank as well as some different options offered by each one.