How Much is Insurance for a Nissan Rogue in Ohio?

Whenever people write about car insurance, the words cheap or affordable should never appear anywhere in the article. Excuse the oxymoron, but cheap auto insurance for a Nissan Rogue can be hard to find. Don’t let that spoil your day, because we will teach you how you can still find car insurance that doesn’t break your budget.

Your chances of finding cheap car insurance for a Nissan Rogue in Ohio depends on a whole bunch of factors such as if you are a renter or homeowner, if you have ever had a coverage lapse, and citations or violations on your driving record. Drivers will pay around $750 a year to insure their Rogue, but that price is a ballpark figure using cost data for a 30-year-old single female that wants full coverage and $500 policy deductibles.

There is a very good chance that you are not 30 and possibly not even female, you might be married instead of single, and maybe your Rogue just needs liability-only coverage. Every driver’s needs are different, and that is why the best way to find the most affordable coverage for your Nissan is to just take the time to do a thorough rate comparison. It’s really quite easy you will receive prices from the best auto insurance companies in Ohio.

Insure Your Nissan for Less

Your Nissan’s trim level tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Rogue S 2WD model will be $52 less than the price to insure the more expensive Rogue SL AWD model, as shown by the rates below.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can affect coverage prices noticeably.

Car insurance companies ranked

Selecting the right insurer can be challenging considering how many companies are available to choose from in Ohio. The rank data listed below may help you select which auto insurers you want to consider when comparing rate quotes.

The ratings below include companies that insure vehicles across America, so companies with more of a regional focus are not included in this list. If you wish to compare prices from these and other competitive companies, follow this link.

Top 10 Large Auto Insurance Providers in Ohio Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Titan Insurance
6. Travelers
7. Liberty Mutual
8. GEICO
9. Erie Insurance
10. Allstate

Top Companies for Nissan Rogue Insurance in Ohio

Full coverage rates compared to liability-only

Finding cheap insurance for a Nissan Rogue in Ohio is probably important to most drivers, and one way to find cheap insurance is to buy only liability coverage. The information below illustrates the comparison of auto insurance rates with full physical damage coverage compared to only buying liability only. The prices are based on no accidents or driving violations, $500 deductibles, drivers are not married, and no policy discounts are applied.

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If all age groups are averaged, comp and collision coverage costs an extra $1,357 per year more than insuring for liability only. That may make you wonder if you should buy full coverage at all. There is no definitive guideline for eliminating physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

There are a few cases where buying only liability insurance is not advised. If you still have a lienholder on your title, you are required to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Impact of violations and accidents on rates in Ohio

The obvious way to receive affordable car insurance prices in Ohio for a Rogue is to drive attentively and avoid accidents and violations. The chart below highlights how speeding tickets and fender-benders drive up yearly insurance costs for different age groups. The rates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2413,2621,4393],[‘Age 30’, 1265,1471,3243],[‘Age 40’, 1215,1421,3195],[‘Age 50’, 1113,1321,3095],[‘Age 60’, 1095,1303,3075],[‘Age 70’, 1265,1469,3241]]);var options = {title: ‘Impact of Violations and Accidents on Ohio Nissan Rogue Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in Ohio’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of an auto insurance policy per year with no violations or accidents is $1,394. Receive one speeding ticket and the average cost hikes up to $1,601, an increase of $207 each year. Now include two accidents along with the one speeding ticket and the annual cost of car insurance for a Nissan Rogue increases to an average of $3,374. That’s an increase of $1,979, or $165 per month, just for not keeping your driving record clean!

How to find economical auto insurance for a Nissan Rogue

Lowering your rates is not difficult, and here are a few penny-pinching solutions that can help Ohio drivers buy cheaper car insurance.

• Try to remain claim-free
• Raise deductibles
• Staying accident-free helps keep rates low
• Full coverage may not be needed on older vehicles
• Do not get tickets or violations
• Compare rates regularly to ensure the best deal

The final tip is highly significant, as we stressed in this write-up. Prices charged by auto insurers vary considerably, so don’t be tentative to buy a policy from a new company if you can save money. Brand loyalty is great, but it’s not a great idea if that dedication is costing a considerable chunk of change every month. Spend a few minutes and compare prices to find cheaper insurance for a Nissan Rogue.

Who has the cheapest Nissan Rogue insurance quotes?

Drivers have many ways to find cheap car insurance in Ohio, but the most popular methods are from a captive (or exclusive) agency such as State Farm or Allstate, a non-exclusive or independent agent, or direct either online or via phone.

Each way is similar, but it’s important to understand the differences in how they function.

Independent agencies work with multiple companies and can compare rates with every one. These agents have the option to give you more rate choices, which may provide you with a better chance of saving money. If they quote lower rates, the agent simply finds a different carrier and you can remain with the same agent.

An exlusive, or captive, agency is only able to write business for a single company, two examples are Allstate and Liberty Mutual agents. These agents are unable to compare rates from other companies, so drivers will want to get other quotes as well.

If you choose to buy car insurance direct, you bypass an independent or exclusive agent and buy direct either online or via phone. This option may be preferred by consumers who do not need high amounts of coverage and know more than average about how car insurance works and possible exclusions.

When shopping for car insurance, which way works best to buy cheap insurance for a Nissan Rogue in Ohio? It would be easy to say buying direct saves money because there are no middleman commissions, but unfortunately, it’s not that cut and dried. We could also assume that an independent agent is the best way to save due to more options, but again, that’s not accurate. In a lot of cases, the exclusive agents have very competitive rates that cannot be met by either independent or direct companies.

Due to that fact that car insurance uses so many rating variables, the only real way to get the cheapest rates is to compare, compare, and compare some more. If time allows, get quotes from all three to give yourself plenty of rates to compare. For a list of companies offering online discounts, click here to view.