Best Cheap Insurance for a Nissan Rogue in Illinois

Your chances of finding cheap car insurance for a Nissan Rogue in Illinois depends on a complex equation that considers factors such as the number of years of driving experience you have, if you have ever let your coverage lapse, and if you have tickets or violations. Drivers pay around $680 per year to buy Nissan Rogue insurance, but that figure is an estimate based on rate data for a 30-year-old married female that purchased full physical damage coverage and $500 policy deductibles.

When making auto insurance estimates, the issue arises that you are not 30 and maybe not even a female, maybe you are single instead of married, and maybe your Rogue is older and does not require full coverage. Every driver’s needs are different, and that is why the most reliable method for finding the cheapest rates for your Nissan is to just compare rates yourself. Quotes only take a couple of minutes and you can get prices from some of the best insurers that offer coverage in Illinois.

View Nissan Rogue Insurance Rates

The trim level of your vehicle impacts the cost of insurance, so the price to insure a Rogue S 2WD model will be $48 less than the cost to insure the fancier Rogue SL AWD model, as shown in the chart below.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in specific garaging location which can modify premiums considerably.

Insuring your vehicle with a highly-rated auto insurance provider can be a challenge considering how many choices there are in Illinois. The information in the lists below can help you pick which auto insurance companies you want to consider purchasing coverage from.

The ratings below are only made up of the largest companies in the United States, so smaller regional companies will not be included in the list. If you’d like to compare prices and find cheaper insurance for a Nissan Rogue, follow this link.

Top 10 Major Car Insurance Companies Overall in Illinois

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Major Car Insurance Companies in Illinois Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Progressive – A+
7. Erie Insurance – A+
8. Mercury Insurance – A+
9. The Hartford – A+
10. Nationwide – A+

Top Companies for Nissan Rogue Insurance in Illinois

Driving violations and accidents

The ideal way to receive the best insurance prices in Illinois for a Rogue is to drive safe and avoid at-fault accidents and violations. The example below shows how traffic citations and at-fault claims can raise auto insurance costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

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The chart shows that the average cost of auto insurance per year with no accidents and a clean driving record is $1,904. Factor in two speeding tickets and the average cost swells to $2,562, an increase of $658 each year. Then add two accidents along with the two speeding tickets and the annual cost of insurance for a Nissan Rogue increases to an average of $4,917. That’s an increase of $3,013, or $251 per month, just for not driving attentively!

Should you buy full coverage?

Finding the best cheap insurance for a Nissan Rogue in Illinois is the goal of most people, and one way to save on the cost of insurance is to only buy liability insurance. The chart below illustrates the difference between insurance costs with and without physical damage coverage. The rate quotes are based on no accidents or driving violations, $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 $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3215,1051],[‘Age 30’, 1667,579],[‘Age 40’, 1651,537],[‘Age 50’, 1501,503],[‘Age 60’, 1453,495],[‘Age 70’, 1771,659]]);var options = {title: ‘Full Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Rogue in Illinois’,minValue: 0,format: ‘$###,###’},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);}

If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs an extra $1,876 per year over liability only. That may make you wonder if it’s worth it to buy full coverage. There is no definitive guideline to drop full coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

Which major car insurance company is best?

If you’re looking for the best insurance for a Rogue in Illinois, four companies to take a look at are State Farm, Geico, Allstate, and Progressive. They all have your normal coverages like liability, comprehensive, and collision, but each one offers slightly different options that can influence your buying decision. The next table compares and contrasts price, claims, and customer service ratings, as well as some optional coverages shoppers can find with each company.