Cheap Insurance Quotes for a Nissan Rogue in Hawaii

Your odds of finding cheaper auto insurance for a Nissan Rogue in Hawaii is contingent on many rating criteria such as the mileage of your daily commute, if you have ever let your coverage lapse, and your choice of deductibles. Drivers in Hawaii pay on average $760 every 12 months for Rogue insurance, but that price is a valuation assuming a 40-year-old married female that has comprehensive and collision coverage and $250 physical damage deductibles.

There is a good chance you are not 40 and maybe not even a female, you might be single instead of married, or maybe your Hawaii zip code is rated higher than the example. Having the smallest difference in policy rating data can produce large changes in quoted rates.

Everone’s needs are different, and this illustrates why your best chance at finding cheap insurance prices for your Nissan is to shop your policy around at every renewal.

View Nissan Rogue Insurance Rates

The trim level of your vehicle tends to impact the cost of insurance, so the price you will pay to insure a Rogue S 2WD model will be $60 cheaper than the price to insure the higher-end Rogue SL AWD model, as demonstrated by the prices below.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates greatly.

Finding the right car insurance company is hard considering how many companies sell insurance in Hawaii. The company ratings listed below may help you analyze which auto insurance companies you want to consider when shopping car insurance rates for a Nissan Rogue. The ratings below only include companies with a national presence, so companies that focus mainly on Hawaii business are not taken into consideration for this list.

Top 10 Large Car Insurance Companies in Hawaii Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. Farmers Insurance
10. Safeco

Top 10 Large Car Insurance Companies in Hawaii Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. State Farm – 90%
4. Nationwide – 90%
5. The Hartford – 89%
6. GEICO – 89%
7. Liberty Mutual – 88%
8. Allstate – 88%
9. Esurance – 87%
10. Progressive – 87%

Top Companies for Nissan Rogue Insurance in Hawaii

Cost difference between full coverage and liability

Finding cheap insurance for a Nissan Rogue in Hawaii should be important to the majority of people, and a great way to save on the cost of insurance is to only buy liability coverage. The diagram below illustrates the comparison of annual premium costs with and without full coverage. The rates are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3259,1065],[‘Age 30’, 1689,587],[‘Age 40’, 1673,543],[‘Age 50’, 1521,509],[‘Age 60’, 1473,501],[‘Age 70’, 1795,669]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in Hawaii’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

As an average for all age groups, full coverage on your policy costs $1,902 per year more than insuring for liability only. Many people question if physical damage coverage is worth the money. There is no specific rule of when to eliminate comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

There are a few situations where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

The chart below highlights how deductible choice can increase or decrease insurance rates when trying to find cheap insurance for a Nissan Rogue. The premium estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3025,2757,2465,2187],[‘Age 30’, 1573,1433,1275,1121],[‘Age 40’, 1511,1383,1235,1097],[‘Age 50’, 1385,1269,1135,1009],[‘Age 60’, 1361,1245,1115,991],[‘Age 70’, 1569,1441,1303,1171]]);var options = {title: ‘Deductible Levels and Nissan Rogue Insurance Rates in Hawaii’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could save $276 a year by changing from a $100 deductible to a $500 deductible, or save $414 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old category, could drop their prices as much as $838 each year by choosing a larger deductible amount. When using a larger deductible, it is necessary to have enough savings to pay the extra out-of-pocket expense that comes with higher deductibles.