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

When writing about shopping for car insurance, the word cheap should never be used anywhere to describe car insurance rates. It’s a simple fact that cheap car insurance for a Nissan Rogue is pretty hard to find. But don’t let that discourage you, because we are going to tell you how you can quote auto insurance that won’t break the bank.

Buying affordable insurance for a Nissan Rogue in New Mexico depends on a complicated formula that considers factors like the amount of driving experience you have, if you have ever had a coverage lapse, and driving violations. New Mexico drivers on average will pay $880 a year for Rogue insurance, but that amount is a ballpark figure using cost data for a 40-year-old single female that includes full coverage including both comprehensive and collision and $1,000 policy deductibles.

There is a high likelihood that you are not 40 and maybe not even a female, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. Just a minor change in rating criteria or coverage limits may result in significant differences in the cost of insuring your Rogue.

There is no perfect policy for every driver, so the most reliable method for finding the cheapest coverage for your Nissan is to make a habit of regularly comparing rates from other companies. It only takes a few minutes and you can get prices from the best companies that insure Nissan vehicles in New Mexico.

Find Cheaper Nissan Rogue Insurance

The trim level of your vehicle impacts the insurance rate, so the price you pay to insure a Rogue S 2WD trim level will be $54 less expensive the price to insure the high end Rogue SL AWD trim level, as demonstrated by the prices below.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Mexico minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Table data does not factor in specific New Mexico garaging location which can increase or decrease coverage rates noticeably.

Deciphering which companies offer the most affordable insurance rates for a Nissan Rogue will require more time than just picking a company at random.

Each insurer has a unique formula for setting prices, so we will examine the overall cheapest insurance companies in New Mexico. It’s important to understand that New Mexico insurance rates are calculated based on many things that can increase the price you pay for coverage. Simply turning a year older, increasing deductibles, or having an accident can trigger price changes that can now make some companies cheaper than before.

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USAA may have some of the most affordable car insurance rates in New Mexico at around $657 a year. Allied, Safeco, Farm Bureau Mutual, and Farmers would also make the list of some of the best New Mexico auto insurance companies.

As the rates illustrate above, if you are currently insured with Farmers and switched to Allied, you might realize savings of approxmiately $356. New Mexico drivers with State Farm might save as much as $390 a year, and Central Mutual policyholders might reduce rates by $434 a year.

Be aware that those policy prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific rate factor for a Nissan Rogue. So the auto insurance company that fits your situation best may not even be shown in the rate chart shown above. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.

Driving violations and accidents

The easiest method to enjoy the most affordable insurance prices in New Mexico for a Rogue is to drive attentively and maintain a clean driving record. The diagram below highlights how speeding tickets and at-fault collisions impact insurance rates for each age group. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

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’, 2519,2743,4873],[‘Age 30’, 1293,1517,3647],[‘Age 40’, 1267,1489,3619],[‘Age 50’, 1165,1389,3517],[‘Age 60’, 1143,1367,3495],[‘Age 70’, 1355,1577,3707]]);var options = {title: ‘Impact of Tickets and Claims on New Mexico 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 New Mexico’,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 previous example, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,457. Add in one speeding ticket and the average cost rises to $1,680, an increase of $223 each year. Now add in two accidents along with the one speeding ticket and the annual cost of insurance for a Nissan Rogue increases to an average of $3,810. That’s an increase of $2,353, or $196 per month, just for not driving responsibly!

The illustration below shows how choosing a deductible can impact yearly insurance costs when trying to find cheap insurance for a Nissan Rogue. The prices are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3469,3185,2877,2585],[‘Age 30’, 2385,2179,1947,1727],[‘Age 40’, 2211,2025,1817,1617],[‘Age 50’, 1933,1773,1589,1415],[‘Age 60’, 1871,1713,1537,1369],[‘Age 70’, 2191,2009,1811,1627]]);var options = {title: ‘Deductible Levels and Nissan Rogue Insurance Rates in New Mexico’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue’,minValue: 0,format: ‘$###,###’},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 40-year-old driver could lower rates by $344 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $518 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 category, could roll back prices up to $884 annually just by choosing larger deductibles.

If you make the decision to raise deductibles, it’s a good idea to have spare funds to be able to pay the extra out-of-pocket expense associated with higher deductibles.

Who is cheaper: State Farm, Geico, Allstate, or Progressive?

If you’re looking for the best insurance for a Rogue in New Mexico, the first places to look would be State Farm, Geico, Allstate, and Progressive. If you add them together, they insure about half of the entire U.S. car insurance market. They all offer your standard coverages, but each one has a slightly different mix of options and features that drivers can select from. The following table compares some of the ratings and options that are available for customers.