Buying cheap insurance for a Nissan Rogue hinges on a complex formula that considers things such as annual miles driven, if you have prior claims, and any prior driving offenses. Missouri drivers pay approximately $891 per year to insure their Rogue, but that is using a 40-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you are not 40 years old and maybe not even male, maybe you are married instead of single, or maybe you prefer liability limits higher than required by Missouri state law. Having even a minor difference in rating criteria could end up with a large change in how much insurance for a Nissan Rogue costs.
Car insurance coverage is unique to each driver, so this is why the best method for finding cheap auto insurance rates for your Nissan is to just compare rates yourself. Quotes only take a couple of minutes and you will receive prices from top-rated car insurance companies around.
The specific model of Rogue can impact the cost of coverage, so the price you will pay to insure a Rogue S 2WD model will be $72 cheaper than the price to insure the more costly Rogue SL AWD model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $202 | $398 | $364 | $22 | $110 | $1,096 | $91 |
| Rogue S AWD | $202 | $398 | $364 | $22 | $110 | $1,096 | $91 |
| Rogue SL 2WD | $202 | $398 | $364 | $22 | $110 | $1,096 | $91 |
| Rogue SL AWD | $202 | $470 | $364 | $22 | $110 | $1,168 | $97 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in specific zip code location which can increase or decrease price quotes noticeably.
Finding reliable, reasonably-priced auto insurance is not easy, and finding out which companies offer the lowest-priced insurance rates for a Nissan Rogue calls for even more shopping around. Every insurance company uses their own calculation to determine rates, so we’ll take a look at the overall cheapest insurance companies in Missouri.
It’s a good idea to be aware that Missouri insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay for coverage. Improving your financial situation, getting divorced, or getting a few speeding tickets can trigger changes in premium that may make certain companies affordable when they were higher priced.
Find the Cheapest Auto Insurance for Your Nissan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $662 |
| 2 | The Hartford | $785 |
| 3 | Electric | $849 |
| 4 | Allied | $849 |
| 5 | Auto-Owners | $1,027 |
| 6 | Travelers | $1,028 |
| 7 | MO Farm Bureau | $1,032 |
| 8 | Nationwide | $1,098 |
| 9 | Farmers | $1,117 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,234 |
| 12 | American Family | $1,253 |
| 13 | Progressive | $1,382 |
| 14 | Shelter | $1,404 |
| 15 | Safeco | $1,412 |
| 16 | Safe Auto | $1,419 |
| 17 | GEICO | $1,434 |
| 18 | MetLife | $1,458 |
| 19 | California Casualty | $1,469 |
| 20 | Auto Club | $1,518 |
| Get Personalized Rates Go | ||
USAA may have some of the best car insurance rates in Kansas City at around $662 per year. The Hartford, Electric, Allied, and Auto-Owners also make the cut as some of the more affordable Kansas City, MO car insurance companies.
As shown in the rates above, if you currently have coverage with Allied and switched to USAA, you may see savings of about $187. Drivers with Auto-Owners might save as much as $365 a year, and Travelers policyholders might lower prices by up to $366 a year.
If you want to find out if you’re overpaying, click here to get a free quote or quote prices from the following companies.
These estimates are averages for all ages of drivers and types of vehicles and and are not calculated with an exact location for a Nissan Rogue. So the car insurance company that fits your age and vehicle best may not even be in the top 23 companies in the list above. That underscores the importance of why you need to get car insurance quotes using your own personal information and vehicle type.
The illustration below highlights how deductible selection can influence premium costs when quoting cheap insurance for a Nissan Rogue. The data is based on a single male driver, full coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could lower their policy premium by $262 a year by switching from a $100 deductible up to a $500 deductible, or save $396 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, have the ability to save $866 or more by selecting a higher deductible. If you do make the decision to raise your deductibles, it will be necessary to have enough savings to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Get discounts on Kansas City insurance rates
Car insurance companies that provide policies for a Nissan Rogue may also offer policy discounts that could reduce prices by as much as 30% if you are eligible to receive them. Companies and their possible discounts are shown below.
- GEICO has discounts for anti-theft, air bags, anti-lock brakes, membership and employees, federal employee, emergency military deployment, and defensive driver.
- Travelers includes discounts for payment discounts, continuous insurance, save driver, hybrid/electric vehicle, and multi-car.
- Farm Bureau offers discounts including renewal discount, safe driver, youthful driver, good student, and driver training.
- Liberty Mutual has savings for newly retired, new graduate, hybrid vehicle, safety features, and preferred payment discount.
- American Family may offer discounts for good student, air bags, good driver, early bird, and multi-vehicle.
- Progressive may have discounts that include multi-policy, online signing, good student, online quote discount, and homeowner.
The information below visualizes the comparison of auto insurance costs with and without discounts applied to the premium. The premiums are based on a male driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, homeowner, anti-theft, safe-driver, marriage, and claim-free discounts applied. With discounts applied, theaverage amount saved on insurance for a Nissan Rogue is 28% or $489.
Tips for finding economical auto insurance for a Nissan Rogue
It’s not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help Kansas City drivers locate more affordable car insurance.
- Avoid price increases by not filing claims
- Violations and traffic tickets increase rates
- Drive attentively and avoid accidents
- Drop full coverage on older vehicles
- Raise your physical damage coverage deductibles
- Compare rates and switch if you can find a better deal
The last idea is extremely critical, as was noted in this article. Prices charged by auto insurers change constantly, so drivers shouldn’t be reluctant to buy a policy from a new company if a better deal can be had.
Many drivers prefer to stick with one company, but it isn’t a good idea if that devotion results in you overpaying a small fortune. In just a couple of minutes you could shop around and find cheaper car insurance for a Nissan Rogue in Kansas City.
The Kansas City car insurance agencies listed below are willing to help you decide which policy is best, as some people prefer to get some guidance when comparing insurance rates for a Nissan Rogue. It can be time-consuming to find the cheapest auto insurance company, so using a licensed agent can add comfort knowing your coverage gives you adequate asset protection.
To find an auto insurance agency close to where you live, click the button after the list or click here to get price quotes now.
- Allen Jones – State Farm Insurance Agent
8900 Wornall Rd – Kansas City, MO 64114 – (816) 361-6362 - Jesse Valenciano State Farm®
7932 N Oak Trafficway #208 – Kansas City, MO 64118 – (816) 436-3004 - Chris Hoy – State Farm Insurance Agent
8640 Green Hills Road #40 – Kansas City, MO 64154 – (816) 436-8400 - Allstate Insurance: Donita Hunt
7501 NW Tiffany Springs Pkwy – Kansas City, MO 64153 – (816) 587-4181