Best Cheap Insurance Quotes for a Nissan Rogue in Wisconsin

Best Cheap Insurance Quotes for a Nissan Rogue in Wisconsin

Finding the best cheap insurance for a Nissan Rogue in Wisconsin is dependent upon a complex formula that factors things such as the number of years you have been licensed, whether or not you are currently insured, and blemishes on your driving record. Drivers in Wisconsin on average pay approximately $760 every 12 months to buy insurance for a Nissan Rogue, but that cost is a projection using rating data for a 30-year-old single female that purchased both comprehensive and collision coverage and $500 physical damage deductibles.

There is a good possibility you are not a 30-year-old female, you might be married instead of single, and you probably do not live in the same zip code as the example. What seems to be a minor change in policy rating variables can precipitate large changes in the price of a policy.

Each driver’s needs are different, and that demonstrates why your best chance at finding the cheapest insurance price for your Nissan is to do the rate comparisons yourself. In just a couple of minutes you will receive price comparisons from some of the best insurers around.

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Your Nissan’s trim level has an effect on the cost of coverage, so the cost to insure a Rogue S 2WD model will cost $52 less than the cost to insure the higher-end Rogue SL AWD trim level, as demonstrated by the prices below.

Nissan Rogue Insurance Rates in Wisconsin
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $160 $298 $350 $20 $106 $934 $78
Rogue S AWD $160 $298 $350 $20 $106 $934 $78
Rogue SL 2WD $160 $298 $350 $20 $106 $934 $78
Rogue SL AWD $160 $350 $350 $20 $106 $986 $82
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in zip code location which can increase or decrease prices greatly.

Finding the right auto insurance provider is hard considering how many companies there are to choose from in Wisconsin. The company rank data displayed below may help you select which car insurance providers you want to consider when trying to find the cheapest insurance for a Nissan Rogue. The ratings below are only made up of the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not taken into consideration for these rankings.

Top 15 Insurance Companies for a Nissan Rogue
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
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Data Source: Insure.com Best Car Insurance Companies

Difference between full coverage and liability only rates

Finding the best cheap insurance for a Nissan Rogue in Wisconsin should be important to the majority of drivers, and one common way to lower the cost of insurance is to buy only liability coverage. The illustration below illustrates the difference between insurance rates with and without physical damage coverage. The premiums assume no accidents or driving violations, $500 deductibles, drivers are not married, and no policy discounts are applied.

If averaged for all ages, physical damage coverage costs $1,374 per year more than carrying just liability coverage. That amount may make you wonder if physical damage coverage is worth the money. There isn’t a written rule of when to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after paying your policy deductible. If premiums are more than $300 annually for your policy with full coverage, then it may be the right time to buy liability only.

The illustration below highlights how deductible selection can impact insurance costs when getting quotes for cheap insurance for a Nissan Rogue. The data assumes a single female driver, full coverage, and no discounts are applied.

The data above shows that a 30-year-old driver could save $250 a year by increasing from a $100 deductible to a $500 deductible, or save $376 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, could drop their prices up to $552 annually by using a higher deductible.

If you do decide to increase your deductibles, it is necessary to have enough funds in savings to satisfy the extra out-of-pocket expense that comes with higher deductibles.