The make and model of vehicle you are buying coverage for is one of the biggest factors when shopping around for low-cost insurance for a Nissan Rogue. Vehicles with high performance, a lack of modern safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.
The list below ranks insurance rates for a handful of the more affordable automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Dodge Grand Caravan SE||$1,535|
|Chevrolet Impala LS||$1,588|
|Ford Explorer Eddie Bauer AWD||$1,652|
|Honda Civic LX 4-Dr Sedan||$1,673|
|Ford Escape XLT 2WD||$1,678|
|Ford Edge Sport 2WD||$1,705|
|Hyundai Elantra GLS 4-Dr Sedan||$1,712|
|Honda CR-V EX-L 4WD||$1,721|
|Nissan Rogue S AWD||$1,737|
|Honda Odyssey Touring||$1,746|
|Chevrolet Equinox LTZ AWD||$1,737|
|Ford F-150 Lariat King Ranch 2WD||$1,747|
|Honda Accord LX-S 2-Dr Coupe||$1,822|
|Toyota RAV4 Limited 4WD||$1,854|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,863|
|Dodge Ram 2500 Crew Cab Laramie 4WD||$1,885|
|Ford F-250 XL Super Cab Harley Edition 2WD||$1,939|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,970|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,986|
|Hyundai Sonata GLS 4-Dr Sedan||$1,992|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$2,002|
|GMC Sierra 3500HD SLT Crew Cab 4WD||$2,079|
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific location which can affect coverage rates significantly.
Looking at the rates, cars like the Dodge Grand Caravan, Chevrolet Impala, and Ford Explorer are most likely going to be the most affordable vehicles to insure for a Rogue.
Figuring out which insurers offer the lowest-priced insurance rates for a Nissan Rogue will take more work than just comparing rates from one or two companies. Each insurance company has their own unique process to set premium rates, so let’s take a look at the overall cheapest insurance companies in Minnesota.
Keep in mind that Minneapolis insurance rates are impacted by many things that control the price of your policy. Improving your credit score, having a claim, or getting a few speeding tickets can trigger rate changes that can cause some rates to be more affordable than before.
Cheapest Insurance Rates for Your Nissan
|Rank||Company||Cost Per Year|
|2||Farm Bureau Mutual||$813|
|5||West Bend Mutual||$943|
|13||Auto Club Group||$1,352|
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Travelers offers some of the most affordable car insurance rates in Minneapolis at around $667 a year. Farm Bureau Mutual, USAA, Western National, and West Bend Mutual also rank well as some of the lowest-priced Minneapolis, MN auto insurance companies.
As shown in the table above, if you are currently insured with Western National and switched to Farm Bureau Mutual, you could earn a yearly savings of in the neighborhood of $115. Minnesota drivers with West Bend Mutual may save as much as $130 a year, and The Hartford customers might reduce rates by $151 a year.
It’s important to note that these prices are averaged for all types of insureds and vehicles and do not take into consideration an exact vehicle garaging location for a Nissan Rogue. So the insurer that is most affordable for your situation may not even be in the top 24 companies shown above. That emphasizes why you need to get rate quotes using your own individual information.
One of the many criteria that are looked at to determine the cost of insurance is where you live in Minneapolis. Areas with increased crime or more people tend to have higher rates, whereas less populated areas profit from lower rates.
The information below lists the highest-priced areas in Minnesota for a Nissan Rogue to buy car insurance in. Minneapolis is listed at #1 with an annual premium of $2,079 on average, which is approximately $173 per month.
|17||Saint Louis Park||$1,702|
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Rate information is comparative as the specific geographic location can decrease or increase insurance rates significantly.
How to get discounts on Minneapolis insurance rates
Insurance providers that offer quotes for a Nissan Rogue may additionally offer special discounts that could potentially reduce rates by 30% or more if you qualify. Larger insurance companies and a summarized list of policyholder discounts are shown below.
- State Farm policyholders can earn discounts including Drive Safe & Save, defensive driving training, driver’s education, good driver, student away at school, multiple autos, and Steer Clear safe driver discount.
- Farmers Insurance may include discounts for pay in full, homeowner, electronic funds transfer, multi-car, early shopping, mature driver, and business and professional.
- GEICO has discounts for driver training, air bags, membership and employees, five-year accident-free, military active duty, multi-vehicle, and anti-lock brakes.
- American Family discounts include bundled insurance, air bags, mySafetyValet, multi-vehicle, good student, and early bird.
- Nationwide has savings for Farm Bureau membership, defensive driving, easy pay, business or organization, and family plan.
- Progressive may offer discounts for good student, online signing, online quote discount, continuous coverage, and multi-vehicle.
The diagram below compares car insurance costs with and without some available policy discounts. The rates are based on a male driver, no violations or accidents, Minnesota state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, passive restraint, multiple vehicle, multiple policy, claim-free, and marriage discounts applied. When discounts are factored in, theamount saved on insurance for a Nissan Rogue is 28% or $497.
Liability-only versus full coverage
Saving money on insurance is the goal of the majority of vehicle owners, and one of the quickest ways to pay less for insurance for a Nissan Rogue is to buy liability only. The information below illustrates the comparison of car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Minnesota. The data is based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are factored in.
If all age groups are averaged, physical damage coverage on your policy costs $1,639 per year more than just buying liability insurance. Many of you may wonder if full coverage is worth the money. There is no definitive rule of when to stop paying for 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 might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s claim settlement value is $8,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,500 after the policy deductible has been paid. If you are paying more than $750 annually for full coverage, then you may want to consider only buying liability coverage.
Compare quotes and save
Minneapolis, MN insurance rates are impacted by many things which can significantly increase or decrease the cost of a policy. Turning one year older, buying a new vehicle, or getting a reckless driving citation can trigger price changes that can cause some rates to be more affordable than the competition.
Not only that, but companies change their prices as needed as an adjustment for underwriting gains or losses. Larger than normal claims may cause a rate increase, while profitable underwriting can result in lower-priced Minneapolis car insurance rates.
The bar chart below shows the companies that have the cheapest car insurance in Minneapolis, MN for a 45-year-old female driver with a clear driving record, no claims, and a good credit history. If we estimate rates based on her current risk factors, Travelers quotes the lowest car insurance rates in Minneapolis at $851 per year. This is $570 less than the average rate paid by Minnesota drivers of $1,421. USAA, Farm Bureau Mutual, The Hartford, and Western National round out the rest of the most affordable Minneapolis, MN auto insurance companies.
Now we will pretend the driver in the first chart a couple of claims, bad credit, and a few traffic violations. Because each company has their own formula for determining prices, getting updated rate quotes may now present a substantially altered list of the cheapest Minneapolis car insurance companies as shown below.
Farm Bureau Mutual now has the cheapest car insurance in Minneapolis with USAA, Allied, California Casualty, and Travelers also being competitive. This example proves why Minnesota drivers need to do a thorough rate comparison when trying to find the lowest insurance quotes for a Nissan Rogue.
Insurance rates consist of many things and can change substantially, so the best company three years ago may now be costing you a lot of money.
How to find more affordable insurance for a Nissan Rogue
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help Minnesota drivers quote cheap coverage.
- Clean up your credit rating
- Get cheaper liability coverage by choosing a safer vehicle
- Having too many claims will increase rates substantially
- Buying your home and auto policies from the same company can earn a discount
- Do not pay for full coverage on older vehicles
- Increase your deductibles
- Check for cheaper rates once a year
The final tip is certainly valuable, as we stressed in this article. Auto insurance prices change a lot, so don’t be unwilling to change insurance companies if you find a cheaper price.
Having brand loyalty is commendable, but it’s not a great idea if that devotion results in you overpaying hundreds of dollars year after year. In less than five minutes you could compare rates and find cheaper insurance for a Nissan Rogue in Minneapolis.
If you aren’t clear which coverage you need and would like to get some help when shopping around for cheaper insurance for a Rogue, the professional agents shown below are a good start to help you determine which insurance coverage will be best for you. To find an agent close to you, click the button at the bottom of the list.
Semlak Miernicki Insurance Agency
2657 Dupont Ave S – Minneapolis, MN 55408 – (612) 208-0873
Cheap Car Insurance Minneapolis Auto Insurance Agency
2227 W 21st St – Minneapolis, MN 55405 – (612) 425-1616
Skarnes Agency Inc.
1845 NE Stinson Blvd – Minneapolis, MN 55418 – (612) 354-2040