What Auto Insurance is Cheapest for a Nissan Rogue in Minneapolis?

Buying cheap insurance for a Nissan Rogue is dependent upon a whole bunch of rating criteria such as how far you commute, if you are a frequent claim filer, and any prior driving offenses. Minnesota drivers will pay around $803 per year to insure their Rogue, but that is an estimate based upon a 40-year-old married male driver with full coverage and $500 deductibles.

The issue with using an average estimated rate is the likelihood you’re not a 40-year-old male, single instead of married, or maybe you want different physical damage deductibles. Even a minor difference in rating variables or coverage information can result in a massive change in the cost of insuring your Rogue.

The different assumptions illustrate why the best method for finding the cheapest coverage for your Nissan is to compare rates from as many companies as possible. In less than five minutes you can get prices from some of the most affordable companies that offer coverage in Minnesota.

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The trim level of your Rogue will have an impact the cost of coverage, so the price to insure a Rogue S 2WD will cost $56 less than the price to insure the higher-priced Rogue SL AWD model, as shown in the prices below.

Nissan Rogue Insurance Rates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $182 $306 $370 $22 $110 $990 $83
Rogue S AWD $182 $306 $370 $22 $110 $990 $83
Rogue SL 2WD $182 $306 $370 $22 $110 $990 $83
Rogue SL AWD $182 $362 $370 $22 $110 $1,046 $87
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in specific location which can revise coverage prices noticeably.

Minneapolis auto insurance companies

Finding a highly-rated car insurance company is difficult considering how many choices there are in Minneapolis. The company information in the next section can help you select which auto insurance companies to look at when looking for cheaper rates. The rankings below only include large, nationwide insurance companies, so companies that have a smaller presence are not factored into the list.

Top 10 Major Auto Insurance Providers in Minneapolis Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Nationwide – A+
  6. Esurance – A+
  7. The Hartford – A+
  8. Progressive – A+
  9. Allstate – A+
  10. The General – A-

Top 10 Major Auto Insurance Providers Overall in Minneapolis

  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

Liability-only versus full coverage

Buying cheaper auto insurance is important to most vehicle owners, and one way to save on the cost of insurance for a Nissan Rogue is to not buy comprehensive and collision coverage. The diagram below shows the comparison of yearly insurance costs when comparing full coverage to liability only. The prices are based on no accidents, no driving violations, $100 deductibles, single marital status, and no policy discounts are applied.

If all age groups are averaged, full coverage costs $2,436 per year over liability only. That amount may make you wonder if physical damage coverage is worth the money. There is no clear-cut formula to stop buying comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.

The chart below demonstrates how deductibles can raise or lower insurance costs when trying to find cheap insurance for a Nissan Rogue. The costs are based on a married female driver, full coverage, and no discounts are applied.

A 50-year-old driver could cut expenses by $292 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $440 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 category, could save as much as $724 or more by using a higher deductible.

When using a larger deductible, it will be necessary to have enough savings to be able to pay the extra out-of-pocket expense that comes with higher deductibles.

Tips for buying the cheapest auto insurance for a Nissan Rogue

Here are a few penny-pinching ideas that can help drivers get low-cost car insurance.

That last idea is especially vital, as we emphasized in the article above. Coverage prices in Minneapolis change frequently, so drivers shouldn’t be reluctant to buy a policy from a new company if you find a better deal. Having a favorite company is great, but it’s not recommended if that dedication is costing a fortune every year. Spend a few minutes and compare rates and find cheaper car insurance for a Nissan Rogue.

The insurance agents in Minneapolis listed below can help you determine which auto insurance policy fits you best, as many people would rather have the advice of a professional agent when comparing insurance rates for a Rogue. It’s not always simple to find the cheapest car insurance policy, and getting advice from a licensed agent can give you comfort knowing your policy gives you adequate asset protection.

To find an agent closest to you, click the link at the bottom.

More insurance agents in Minneapolis, MN