Buying affordable auto insurance for a Nissan Rogue in Indiana is pretty easy for most people, but it relies on many rating criteria such as the safety rating for your Rogue, your residence address, and any prior driving offenses. Drivers will pay on average $730 each year for Rogue insurance, but that is calculated using a 30-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.
But there is a high likelihood that you may not be 30 years old (or even female), possibly single instead of married, or maybe your Rogue is old enough that it doesn’t require full coverage. The different assumptions illustrate why the only way to find cheap car insurance rates for your Nissan is to just compare rates yourself.
The specific trim level will be a contributing factor to the cost of insurance, so the rate you will pay to insure a Rogue S 2WD will be $52 cheaper than the cost to insure the high end Rogue SL AWD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $172 | $288 | $324 | $20 | $96 | $900 | $75 |
| Rogue S AWD | $172 | $288 | $324 | $20 | $96 | $900 | $75 |
| Rogue SL 2WD | $172 | $288 | $324 | $20 | $96 | $900 | $75 |
| Rogue SL AWD | $172 | $340 | $324 | $20 | $96 | $952 | $79 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in vehicle garaging location which can affect coverage prices significantly.
Determining which companies have the most affordable car insurance rates for a Nissan Rogue takes a little more sweat in order to find a policy that fits your budget. Every car insurance company uses a little different formula for determining rates, so let’s rank the overall cheapest car insurance companies in Indianapolis.
We do need to point out that Indianapolis, IN car insurance rates are calculated based on many things that control the cost of coverage. Getting older, moving to a different location, or getting caught speeding may prompt premium changes resulting in some rates now being cheaper in comparison to the competition.
Best Insurance Companies for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $620 |
| 2 | Cincinnati Insurance | $664 |
| 3 | USAA | $681 |
| 4 | Erie | $705 |
| 5 | Western Reserve | $838 |
| 6 | Indiana Farmers Mutual | $841 |
| 7 | Auto-Owners | $879 |
| 8 | The Hartford | $881 |
| 9 | Utica National | $956 |
| 10 | Nationwide | $968 |
| 11 | Motorists Mutual | $996 |
| 12 | State Farm | $997 |
| 13 | Hastings Mutual | $1,003 |
| 14 | Safeco | $1,013 |
| 15 | Farmers | $1,053 |
| 16 | Wolverine Mutual | $1,105 |
| 17 | Westfield | $1,105 |
| 18 | Progressive | $1,128 |
| 19 | State Auto | $1,131 |
| 20 | GEICO | $1,133 |
| Find Your Rate Go | ||
Travelers has some of the best car insurance rates in Indianapolis at around $620 each year. Cincinnati Insurance, USAA, Erie, and Western Reserve are also some of the cheapest Indianapolis, IN auto insurance companies.
As shown above, if you buy coverage from Cincinnati Insurance and switched to Travelers, you might see savings of about $44. Customers with USAA could save as much as $61 a year, and Erie policyholders might cut rates by $85 a year.
To discover how much you can save, click here to get quotes or visit any of the low-priced companies below.
Understand that those premium estimates are averages for all types of drivers and the different vehicles they drive and do not factor in an exact vehicle garaging location for a Nissan Rogue. So the auto insurance company that is best suited for you may not even be in the top 36 companies shown above. That affirms the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.
How careless driving impacts car insurance rates
The ideal way to get cheap car insurance prices for a Rogue is to be a cautious driver and avoid accidents and keep your driving record clean. The information below highlights how speeding tickets and at-fault collisions can drive up insurance rates for each different age group. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
In the previous example, the average cost of car insurance in Indiana per year with no accidents or violations is $1,854. Get written up for one speeding ticket and the average cost swells to $2,089, an increase of $235 each year. Then include one accident along with the one speeding ticket and the annual cost of car insurance for a Nissan Rogue jumps again to an average of $2,748. That’s an increase of $894, or $74 per month, just for a couple of infractions!
Last year’s bargain might be this year’s rip off
Indianapolis, IN car insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay. Simply having a birthday, marrying your spouse, or getting a reckless driving citation can trigger rate changes resulting in some rates now being much cheaper than others. Not only may your situation change, but auto insurance companies modify rates as needed to help ensure profitability. An unexpected high level of claims can cause higher priced premiums, while profitable underwriting can produce cheaper Rogue insurance rates.
To illustrate this point, the chart below shows which companies have the cheapest car insurance in Indianapolis, IN for a 30-year-old female driver with no violations or accidents, and great credit. If we estimate prices based on her current rating profile, Travelers quotes the lowest car insurance rates in Indianapolis at $732 each year. This is $508 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual are the remaining most affordable Indianapolis, IN auto insurance companies.
Now let’s give the driver in the first chart an accident claim, slightly worse credit, and a blemish on her driving record. Because each company has a proprietary method for determining prices, getting updated rate quotes may now present a different set of the cheapest companies as shown below.
The Hartford now has the cheapest car insurance in Indianapolis with Auto-Owners, USAA, Nationwide, and State Farm also being competitive. This example proves why consumers need to take the time to shop around with many companies to get the most economical insurance rates for a Nissan Rogue.
Prices consist of many things and can increase or decrease at any time, so the cheapest option when you bought your policy may now be priced much higher than other options.
Tips for finding the cheapest insurance for a Nissan Rogue
The list below shows some of the better money-saving solutions that can help Indiana drivers get lower-cost coverage.
- Drive attentively and avoid accidents
- Do not get traffic tickets
- Increase physical damage deductibles
- Buying your home and auto policies from the same company can earn a discount
- Improve your credit rating
- Earn discounts for being claim-free
- Comparison shop frequently
That last piece of advice is particularly significant, as we pointed out in the article above. Coverage prices can be adjusted at any time, so drivers shouldn’t be resistant to change insurance companies if a more affordable price is available.
Loyalty to a specific company is fine, but we do not recommend it if it’s costing you a considerable chunk of change every month. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for a Nissan Rogue in Indianapolis.
The professional agents shown below can probably aid you in deciding which auto insurance policy fits you best, as many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when shopping for cheaper insurance for a Nissan Rogue. It can be difficult to find the cheapest auto insurance company, and insurance agents licensed in the state of Indiana can give comfort knowing your coverage gives you decent coverage if you have a claim.
To locate an agency closest to you, click the link after the list or click here to compare prices now.
Dalessandro Agency Inc.
4255 Lafayette Rd – Indianapolis, IN 46254 – (317) 290-2055
Bill Hill – State Farm Insurance Agent
7423 E 82nd St – Indianapolis, IN 46256 – (317) 849-4119
Norm Street – State Farm Insurance Agent
8610 E Washington St – Indianapolis, IN 46219 – (317) 898-2626
Summit Insurance Agency Inc
9302 N Meridian St #297 – Indianapolis, IN 46260 – (317) 844-4701