Finding the best cheap coverage for a Nissan Rogue in Arizona is pretty easy for most people to do, but it hinges on a large number of rating criteria such as annual vehicle mileage, the performance level of your vehicle, and whether or not you are a good driver. Drivers in Arizona pay approximately $687 per year to insure their Rogue, but that amount is a projection calculated using a 30-year-old married female driver with full physical damage coverage and $1,000 deductibles.
It’s more than likely you are not 30 and maybe not even a female, you might be single instead of married, and you might want liability-only or different deductibles. Having the smallest difference in rating factors or requested coverage amount may result in a big change in the policy rate.
Everyone has unique insurance needs, and this illustrates why the best way to find affordable rates for your Nissan is to just compare rates yourself. It takes less than five minutes and you will be able to see rates from the cheapest companies that offer coverage in Arizona.
The trim level of your vehicle will influence the coverage cost, so the price to insure a Rogue S 2WD trim level will be $44 cheaper than the insurance cost for the fancier Rogue SL AWD model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $138 | $240 | $346 | $20 | $104 | $848 | $71 |
| Rogue S AWD | $138 | $240 | $346 | $20 | $104 | $848 | $71 |
| Rogue SL 2WD | $138 | $240 | $346 | $20 | $104 | $848 | $71 |
| Rogue SL AWD | $138 | $284 | $346 | $20 | $104 | $892 | $74 |
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in your specific Mesa location which can affect price quotes greatly.
Locating affordable insurance is not easy, and determining which company has the cheapest car insurance rates for a Nissan Rogue requires additional perseverance.
Each auto insurance company uses their own calculation for determining rates in each state, so let’s take a look at the most competitive car insurance companies in Mesa.
Best Auto Insurance Prices for Your Nissan
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,323 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,391 |
| 16 | Amica | $1,429 |
| 17 | Titan | $1,433 |
| 18 | American Family | $1,478 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,552 |
| Get a Custom Quote Go | ||
The Hartford may offer some of the best car insurance rates in Mesa at around $836 per year. Safeco, Auto-Owners, Travelers, and USAA are also some of the cheaper Mesa, AZ insurance companies.
As shown in the table above, if you are currently insured with Travelers and switched to The Hartford, you could earn savings of upwards of $272. Policyholders with USAA could save as much as $288 a year, and Progressive policyholders might cut rates by $294 a year.
Be aware that those premium estimates are averaged for all drivers and vehicles in Arizona and do not factor in a specific location for a Nissan Rogue. So the company that has the lowest price for you may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
Full coverage or liability only
Paying less for car insurance is important to most drivers, and one good way to save on the cost of insurance for a Nissan Rogue is to not buy comprehensive and collision coverage. The diagram below compares insurance costs when comparing full coverage to liability only. Data assumes a clean driving record, no claims, $250 deductibles, drivers are single, and no discounts are taken into consideration.
If all age groups are averaged, full coverage costs $1,979 per year more than carrying just liability coverage. Many drivers may wonder if it’s a good idea to buy full coverage. There is no exact formula of when to stop paying for physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
Shop around and save
Arizona car insurance rates are impacted by many factors which can substantially decrease or increase the cost of a policy. Improving your credit score, buying higher coverage limits, or getting a reckless driving citation may prompt premium changes that may make certain companies more affordable than competitors.
Also, companies change prices as needed to adjust for gains or losses. Unexpectedly high claims may cause price increases, while lower claim expenses may result in cheaper Rogue insurance rates.
The data below shows the company with the cheapest car insurance in Mesa, AZ for a 40-year-old female driver with a good driving record, no prior claims, and good financial standing. When comparing rates based on her current rating profile, The Hartford may have the best car insurance rates in Mesa at $1,103 annually. This is $325 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remainder of the cheapest Mesa, AZ auto insurance companies.
The chart below compares rates after we give the driver from the above example a chargeable accident, a little lower credit rating, and a couple of points charged on her driving record. Since every insurance provider has their own guidelines to determining premium rates, analyzing rates may now present a different set of the cheapest car insurance companies in Mesa as shown below.
GEICO now has the lowest car insurance rate in Mesa with Ameriprise Group, CSAA, Auto-Owners, and Allied now rounding out the top five. This example illustrates why Arizona drivers need to spend some time comparing rates to find the most affordable insurance quotes for a Nissan Rogue. Prices are impacted by many factors and can increase or decrease at any time, so the lowest-price company a year ago may now be an over-priced policy.
If you aren’t sure which coverage to buy and prefer to have professional advice when trying to find the best insurance rates for a Nissan Rogue, the professional agents shown below can most likely aid you in deciding which policy is best.
To find an agent close to where you live, click the button link following the list.
Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755
Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952
Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117
Allstate Insurance: Roger Bentley
3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650
Oasis Insurance
30 N Gilbert Rd – Mesa, AZ 85203 – (480) 649-8001
Find a Mesa, AZ insurance agent near you
How to find budget-friendly car insurance for a Nissan Rogue
The list below shows many money-saving ideas that can help drivers buy cheaper coverage.
- Do not get into accidents that are your fault
- Better credit scores save money
- Buy your homeowners policy from the same company as your auto insurance
- Safer vehicles cost less to insure
- Save money by insuring older vehicles for liability only
- Compare rate quotes frequently
That last idea is extraordinarily vital, as we pointed out in the prior information. Insurance prices can change in a short period of time, so don’t be afraid to change to a new company if a better deal can be had.
Loyalty to a specific company is fine, but we do not recommend it if that inflexibility results in costing you a small fortune. Spend a few minutes and shop around to find cheaper insurance for a Nissan Rogue in Mesa.