Finding the cheapest car insurance for a Nissan Rogue in Florida relies on a very complex rating algorithm that uses multiple factors such as age of the vehicle, your occupation, and if you have a history of accidents. Drivers in Florida will pay on average $1,553 annually to insure their Rogue, but that figure is calculated based on a 40-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.
When projecting a rate like this, the problem is that you may not be 40 years old (or even female), married instead of single, or maybe you prefer higher deductibles. Even a slight change in the rating criteria used to formulate rates may result in significant differences in how much coverage for a Nissan Rogue costs.
The different assumptions illustrate why the best way to find the most affordable coverage for your Nissan is to compare rates from as many companies as possible.
Your vehicle’s trim level will likely have an effect on the coverage cost, so the price you pay to insure a Rogue S 2WD model will be $132 cheaper than the price to insure the more costly Rogue SL AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$344||$732||$612||$36||$184||$1,908||$159|
|Rogue S AWD||$344||$732||$612||$36||$184||$1,908||$159|
|Rogue SL 2WD||$344||$732||$612||$36||$184||$1,908||$159|
|Rogue SL AWD||$344||$864||$612||$36||$184||$2,040||$170|
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate information does not factor in specific location which can lower or raise rates noticeably.
Finding decent, low-priced auto insurance is not the easiest thing to accomplish, and determining which companies have the cheapest insurance rates for a Nissan Rogue calls for even more perseverance. Every car insurance company has their own guidelines for determining rates, so to begin we’ll rank the overall cheapest insurance companies in Florida.
It’s important to understand that Florida insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay. That is why it is critical to do a thorough rate comparison to get affordable car insurance rates for a Nissan Rogue. Insurance prices are influenced by many different factors and change dramatically, so the best option when you last compared rates may now be one of the higher cost companies.
Find Cheaper Auto Insurance for Your Nissan
|Rank||Company||Cost Per Year|
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USAA offers some of the most affordable car insurance rates in Miami at around $948 a year. This is $1,500 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also make the cut as some of the lowest-priced Miami, FL auto insurance companies.
In the rate table above, if you are insured with Amica and switched to USAA, you may see annual savings of approximately $816. Policyholders with Progressive may save as much as $881 a year, and Travelers customers might see rate reductions of $940 a year.
If you want to see how much you could save, click here to get a free quote or click several companies below for low rates.
Be aware that those rates are averaged for all drivers and vehicles in Florida and do not factor in an exact location for a Nissan Rogue. So the auto insurance company that is best for you may not even be in the top 21 companies shown above. That points out the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
The information below shows how choosing a deductible can influence insurance costs when getting quotes for cheap insurance for a Nissan Rogue. The premiums assume a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
A 30-year-old driver could reduce rates by $394 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $596 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save $848 or more just by choosing larger deductibles.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough funds in savings to allow you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
The benefits of price comparisons
Miami, FL insurance rates are impacted by many things that control the policy premium. Simply getting older, moving across town, or getting a couple of tickets can cause premium changes that may make certain companies more affordable than before. Not only may things change on your end, but insurance companies change premium rates as often as every quarter to help ensure profitability. Heavier than normal losses can cause more expensive premiums, while long-term profits may produce lower-cost Rogue insurance rates.
The bar chart below shows rates for the cheapest car insurance in Miami, FL for a 45-year-old male driver with a good driving record, no prior claims, and good credit. If we estimate prices based on his current situation, USAA might offer the best car insurance rates in Miami at $1,829 each year. This is $619 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the rest of the most affordable Miami, FL auto insurance companies.
In this next rate comparison, we will give the driver from above a claim or two, bad credit, and a few blemishes on his driving record. Due to the fact that every auto insurer has a different formula to determine rates, comparing quotes could now result in a completely different list of cheap Miami auto insurance companies as shown below.
USAA now has the lowest price on auto insurance in Miami with Mercury, Esurance, GEICO, and State Farm completing the list. This illustrates why consumers need to take the time to perform a complete rate comparison to find the most affordable car insurance quotes for a Nissan Rogue.
Prices are determined by many things and change dramatically, so the most affordable company a year ago may now be an over-priced policy.
If you aren’t sure which coverage you need and prefer to have a professional recommendation when buying car insurance for a Rogue, the agencies below can probably help you decide which insurance coverage will be best for you. To locate a Miami auto insurance agent using an interactive map, click the link after the list or click here to compare rates now.
A 1-Stop Insurance Agency Inc
3629 SW 8th St – Miami, FL 33135 – (305) 441-7100
Del Toro Insurance
3819 NW 7th St – Miami, FL 33126 – (305) 335-8676
Gus Figueredo – State Farm Insurance Agent
7950 W Flagler St #103 – Miami, FL 33144 – (305) 262-0440
SOL Insurance Agency
1370 W Flagler St – Miami, FL 33135 – (305) 643-2333
Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543