Cheapest Insurance Quotes for a Nissan Rogue in North Dakota

We always joke that when we write about car insurance, the word affordable really shouldn’t be used as a descriptor for auto insurance rates. Regardless, cheap auto insurance for a Nissan Rogue may be a thing of the past. But don’t despair, because we will teach you how you can still find and buy car insurance that you can afford to pay for.

Your chances of finding cheaper insurance for a Nissan Rogue in North Dakota hinges on a lot of rating criteria like annual miles driven, whether you have good credit, and your motor vehicle report. Drivers in North Dakota pay approximately $780 per year to insure a Rogue, but that is a ballpark figure using rating data for a 50-year-old married male that included full coverage including both comprehensive and collision and $250 policy deductibles.

There is a high probability that you are not 50 and possibly not even male, maybe you are single instead of married, or maybe you’ve had an at-fault accident or two. There is no “one size fits all” policy, so the way we recommend to find cheap insurance prices for your Nissan is to just take the time to do a thorough rate comparison. Rate quotes are easy and you will be able to see rates from the best companies that insure Nissan vehicles in North Dakota.

Cheapest Nissan Rogue Insurance Rates

The specific trim level will be a contributing factor to the annual cost of coverage, so the rate you pay to insure a Rogue S 2WD will cost $58 less than the insurance cost for the higher-end Rogue SL AWD model, as shown in the chart below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price information does not factor in specific North Dakota garaging location which can alter coverage rates noticeably.

Figuring out which companies have the cheapest insurance rates for a Nissan Rogue involves a bit more effort than just comparing a company or two. Each insurer uses their own method for setting prices, so we’ll go over the insurance companies with the overall cheapest rates in North Dakota.

It’s important that readers know that North Dakota insurance rates are impacted by many factors that control the cost of a policy. Simply having another birthday, buying a different vehicle, or getting caught speeding can trigger rate changes that can cause some rates to be cheaper than before.

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USAA normally has some of the cheapest car insurance rates in North Dakota at around $704 each year. Allied, Nodak Mutual, Grinnell, and Safeco are also some of the lowest-priced North Dakota insurance companies.

In this example, if you are insured with Grinnell and switched to Allied, you could see a yearly savings of around $138. Customers with Safeco may save as much as $201 a year, and State Farm customers might lower prices by $221 a year.

These premiums are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a specific rate factor for a Nissan Rogue. So the car insurance company that can offer you the best rate may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

Difference between full coverage and liability only rates

Finding the cheapest insurance for a Nissan Rogue in North Dakota should be important to the majority of drivers, and one of the easiest ways to reduce the cost of insurance is to not buy full coverage. The example below shows the comparison of yearly insurance costs with liability coverage only compared to full coverage. The information is based on no claims, a clean driving record, $250 deductibles, drivers are single, and no other discounts are factored in.

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If averaged for all ages, physical damage insurance costs $2,127 per year more than just buying liability only. That raises the question if you should buy full coverage. There is no exact rule of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

Insurance rates are higher with tickets and accidents

The easiest method to get low insurance prices in North Dakota for a Rogue is to be a cautious driver and avoid accidents and traffic violations. The example below demonstrates how traffic citations and at-fault claims can increase annual premium costs for each different age group. The information is based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.

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In the previous example, the average cost of a car insurance policy per year with no violations or accidents is $2,061. Receive one speeding ticket and the average cost surges to $2,337, an increase of $276 each year. Now include two accidents along with the one speeding ticket and the yearly cost of insurance for a Nissan Rogue goes up to an average of $4,701. That’s an increase of $2,640, or $220 per month, just for being a less-than-perfect driver!

Company comparison: Geico vs Allstate vs State Farm vs Progressive

If you are looking for the best car insurance, four companies you’ll want quotes from are Geico, Allstate, State Farm, and Progressive. They all offer unique options and discounts that drivers can select from. The data below compares pricing and service ratings, plus some optional coverages that are available from each company.