The annual average cost to insure a Nissan Rogue is $1,380, which is considered cheap. With rates as low as $1,101 a year, State Farm has the lowest rates. However, the final price may be different depending on the insurer, model year, and driver age.
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeeks Head of Insurance. He has been studying the insurance market for more than five years, doing his own research and making content that is specific to each type of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www. cnbc. com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do. html), [NBC News](https://www. nbcnews. com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable. com/article/tesla-insurance-rates). A bachelor’s degree from Boston College and a master’s degree in economics and international relations from Johns Hopkins University are what Fitzpatrick has to offer. He really wants to use his knowledge of insurance and economics to make financial topics clearer and help people feel good about the choices they make with their money.
Jonathan Ramos is an editor who wants to make financial content that is easy for everyone to understand, especially younger people. Previously, he worked as a fact-checker at The Daily Emerald, the University of Oregon newspaper. Jonathan’s interest in personal finance comes from his desire to make a difference in other people’s lives. He helps people make smart financial decisions by editing complicated information in a way that is easier to understand.
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeeks Head of Insurance. He has been studying the insurance market for more than five years, doing his own research and making content that is specific to each type of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www. cnbc. com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do. html), [NBC News](https://www. nbcnews. com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable. com/article/tesla-insurance-rates). A bachelor’s degree from Boston College and a master’s degree in economics and international relations from Johns Hopkins University are what Fitzpatrick has to offer. He really wants to use his knowledge of insurance and economics to make financial topics clearer and help people feel good about the choices they make with their money.
Jonathan Ramos is an editor who wants to make financial content that is easy for everyone to understand, especially younger people. Previously, he worked as a fact-checker at The Daily Emerald, the University of Oregon newspaper. Jonathan’s interest in personal finance comes from his desire to make a difference in other people’s lives. He helps people make smart financial decisions by editing complicated information in a way that is easier to understand.
Your age plays a major role in determining the insurance costs for your Nissan Rogue. For instance, a 16-year-old driver insuring a 2009 model would pay about $5,616 a year, while a 40-year-old driver would pay about $1,216 a year. Also, a 16-year-old driver would pay about $6,826 a year for the 2022 model, while a 40-year-old would only pay $1,524 a year.
However, while cost is important, it shouldnt be your only consideration. MoneyGeek also looked at prices, service, and claims history to find the best insurance companies for a Nissan Rogue.
Why Should You Trust MoneyGeek? We looked at the average rates for a Nissan Rogue by getting thousands of quotes from Quadrant Information Services.
The new rates are based on how much insurance for a Nissan Rogue usually costs in 2023.
The Nissan Rogue is one of the most popular compact SUVs on the market today. As drivers start looking towards the 2023 model year, many wonder what they can expect for insurance costs on the newest Nissan Rogue. This article will break down average insurance rates on 2023 Nissan Rogue models to help drivers budget for this important expense.
Overview of the 2023 Nissan Rogue
The 2023 Nissan Rogue maintains the recent redesign first introduced in the 2021 model year. This redesign brought sharper exterior styling an upgraded interior, and the latest driver-assist safety features. Mechanically the Rogue continues to offer a 2.5-liter 4-cylinder engine producing 181 horsepower paired with a continuously variable automatic transmission. Front-wheel drive comes standard, with all-wheel drive optional.
In terms of pricing the 2023 Rogue starts at an MSRP of $27785 for a base S front-wheel drive model. Moving up to the mid-level SV with all-wheel drive brings the MSRP up to $30,525. The top-of-the-line Platinum AWD model retails for $37,125. With its sharp looks, roomy interior, ample standard features, and competitive pricing, the 2023 Rogue will likely continue the model’s popularity.
How Insurance Costs Are Determined
Several major factors determine what drivers will pay for Nissan Rogue insurance coverage. These include:
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Driver Age and Gender – Younger drivers and male drivers tend to pay the highest insurance rates. More experience behind the wheel leads to lower premium costs.
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Driving Record – Drivers with accidents, speeding tickets, DUIs and other violations on their records pay substantially more for coverage. A clean record saves money.
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Location – Insurance rates vary widely across the country, with major metro areas costing the most. More rural locations offer cheaper premiums.
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Coverage Limits – Opting for lower liability, collision and comprehensive coverage limits reduces costs, but also provides less protection. Higher limits cost more but are recommended.
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Deductibles – Choosing higher collision and comprehensive deductibles cuts monthly payments but means you pay more out-of-pocket for any covered loss. Lower deductibles cost more but reduce risk.
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Credit History – In most states, insurers use credit-based insurance scores derived from your credit history as a factor in pricing. Better scores mean lower premiums.
Average Cost to Insure a 2023 Nissan Rogue
Taking into account the major rating factors above, drivers can expect the following average annual premiums for full-coverage insurance on a 2023 Nissan Rogue:
- Teenage Driver – $7,810 per year
- Driver in Their 20s – $2,610 per year
- Driver in Their 30s – $1,620 per year
- Driver in Their 40s – $1,470 per year
- Driver in Their 50s – $1,390 per year
- Driver in Their 60s – $1,340 per year
As you can see, driver age has a huge impact on average costs. Premiums are sky-high for teen drivers, but much more reasonable for drivers in their 40s and beyond.
Location also plays a major role. Average rates for 30-year-old drivers vary from a low of $780 per year in Maine to a high of $2,430 per year in Michigan for full coverage. In expensive areas like Florida, New Jersey and New York, average yearly premiums exceed $2,000.
Ways to Save on 2023 Nissan Rogue Insurance
The steep rates for teenage drivers make finding discounts essential. Multi-policy and multi-vehicle discounts from insurers like State Farm and Allstate can help parents save 20% or more when adding a teen. Defensive driver courses and good student discounts also help cut costs for newly licensed drivers.
For drivers of all ages, increasing deductibles to $500 or $1,000 provides big savings of up to 40% on premiums. Bundling home and auto insurance together with the same provider generates discounts of 5% to 15% on average. Usage-based programs like Progressive’s Snapshot can save over 25% for safe, low-mileage drivers.
Comparing quotes from multiple insurers is one of the best ways to find savings. Rates for the same driver and vehicle can vary by hundreds of dollars between different insurance companies. Regularly re-shopping coverage at renewal time ensures you have the best rate as companies periodically change their pricing models.
Using available discounts and shopping around for the most competitive premiums allows drivers to secure affordable 2023 Nissan Rogue insurance, even with today’s high rates. Careful research and an understanding of the major rating factors will lead to the lowest cost insurance for your profile and location.
Cheapest Rogue Insurance Companies by State
To give drivers an idea of where they may find the lowest rates in their state, here are the cheapest major insurers for a 2023 Nissan Rogue for 30-year-old drivers with full coverage based on Gabi data:
<table>
<thead>
<tr>
<th>State</th>
<th>Cheapest Insurer</th>
<th>Annual Rate for Rogue</th>
</tr>
</thead>
<tbody>
<tr>
<td>Alabama</td>
<td>State Farm</td>
<td>$980</td>
</tr>
<tr>
<td>Alaska</td>
<td>State Farm</td>
<td>$980</td>
</tr>
<tr>
<td>Arizona</td>
<td>American Family</td>
<td>$1,070</td>
</tr>
<tr>
<td>Arkansas</td>
<td>State Farm</td>
<td>$890</td>
</tr>
<tr>
<td>California</td>
<td>AAA</td>
<td>$1,430</td>
</tr>
<tr>
<td>Colorado</td>
<td>Geico</td>
<td>$980</td>
</tr>
<tr>
<td>Connecticut</td>
<td>Travelers</td>
<td>$1,300</td>
</tr>
<tr>
<td>Delaware</td>
<td>State Farm</td>
<td>$1,270</td>
</tr>
<tr>
<td>Florida</td>
<td>State Farm</td>
<td>$2,120</td>
</tr>
<tr>
<td>Georgia</td>
<td>Country Financial</td>
<td>$1,070</td>
</tr>
</tbody>
</table>
Rates will vary based on each driver’s specific profile, so it pays to get multiple quotes tailored to your situation. But this data indicates some of the most affordable starting points in each state. Local agents may provide even better rates than direct insurers like Geico.
When to Start Shopping for 2023 Coverage
Most experts recommend beginning to shop for new policy rates 21-45 days before your current policy expires. This gives you plenty of time to compare multiple options without rushing the process. It also ensures your new lower-cost policy takes effect in time without any gaps in coverage.
Make sure to obtain quotes reflecting the same type of coverage, limits and deductibles as your current policy for the most accurate comparisons. Having these new 2023 Nissan Rogue insurance quotes in hand lets you negotiate the best rate with confidence as your renewal date approaches.
Key Takeaways
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Average insurance costs for a 2023 Nissan Rogue will range from around $7,800 annually for a teenage driver to about $1,340 for drivers in their 60s.
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Auto insurance rates can vary dramatically based on driver age, location, driving record, credit score and other personal factors.
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Comparing rates from multiple insurance providers is the best way to find savings. Make sure to shop around at least three weeks before your current policy renews.
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Usage, multi-policy and multi-car discounts can help cut costs. Higher deductibles provide big premium reductions.
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Budgeting the right amount for 2023 Nissan Rogue insurance ensures you get the coverage you need at a price you can afford.
Cost of Insuring a Nissan Rogue by Model Year
Full coverage insurance for a Nissan Rogue costs about $1,216 a year for a 2009 model and about $1,524 a year for a 2022 model. Nissan Rogue insurance rates can change based on how old your car is, since cars lose value over time.
| 2022 | Average Annual Premium$1,524 |
| 2021 | Average Annual Premium$1,487 |
| 2020 | Average Annual Premium$1,424 |
| 2019 | Average Annual Premium$1,415 |
| 2018 | Average Annual Premium$1,381 |
| 2017 | Average Annual Premium$1,330 |
| 2016 | Average Annual Premium$1,331 |
| 2015 | Average Annual Premium$1,308 |
| 2014 | Average Annual Premium$1,271 |
| 2013 | Average Annual Premium$1,287 |
| 2012 | Average Annual Premium$1,278 |
| 2011 | Average Annual Premium$1,228 |
| 2010 | Average Annual Premium$1,235 |
| 2009 | Average Annual Premium$1,216 |
The average cost of car insurance can vary depending on the insurance provider. For the 2009 model year, State Farm has the cheapest insurance for the Nissan Rogue, at $944 per year. For the 2022 model year, GEICO has the cheapest insurance, at $1,226 per year.
| GEICO | Average Annual Premium$1,226 |
| State Farm | Average Annual Premium$1,331 |
| Nationwide | Average Annual Premium$1,425 |
| Travelers | Average Annual Premium$1,453 |
| Progressive | Average Annual Premium$1,611 |
| Farmers | Average Annual Premium$1,765 |
| Allstate | Average Annual Premium$1,944 |
MoneyGeek Top Pick: State Farm
Most affordable insurer out of seven companiescheckmark
Provides roadside assistance and rental car coverage
Poor claims management scoreclose
Doesn’t offer better car replacement, new car replacement or accident forgiveness
With rates as low as $1,101 a year, State Farm is the best insurance company for the Nissan Rogue that we looked at. It also ensures excellent customer service, earning the second-highest rating in this category. That being said, State Farm isn’t very good at handling claims quickly, and it doesn’t offer extras like getting a new car or not having to pay for accidents.
State Farm does offer rental car coverage as an extra service that you can choose to add on. This service protects you financially if you damage or wreck a rental car. With a set limit on rental car costs, you’ll also be covered for up to $500 in travel costs, such as food and lodging.
The company also provides roadside assistance coverage, which will pay for getting gas, oil, and batteries delivered, as well as tow services and tire changes if your car breaks down.
Second-cheapest rate out of seven insurerscheckmark
Provides considerably good customer servicecheckmark
Offers mechanical breakdown insurance (MBI) and accident forgiveness coverage options
Doesn’t offer gap insurance or better car replacementclose
Below-average claims management score
GEICO has a good reputation for customer service and a competitive average rate of $1,122 per year, which makes it a great choice for Nissan Rogue drivers looking for the best car insurance. But GEICO has a below-average rating for how well it handles claims, and it doesn’t offer coverage options like gap insurance or better car replacement.
The business has a special extra called mechanical breakdown insurance that protects better and costs less than a regular extended warranty. MBI covers all components and parts of your vehicle, reducing your out-of-pocket expenses for unexpected car repairs.
GEICO also provides accident forgiveness coverage, which is a practical option. With this add-on, your first at-fault accident will not result in a premium increase. People aged 21 and up who haven’t had an accident in five years can get their accident coverage waived.
Nissan Rogue 2023 | Cost to Own | Money Breakdown
FAQ
How much is insurance on a 2023 Nissan Rogue?
Is insurance high on a Nissan Rogue?
Are Nissans more expensive to insure?
How much is insurance on a 2023 Sportage?
What is the cheapest teen car insurance for a 2022 Nissan Rogue?
State Farm offers the cheapest full coverage rate for a 16-year-old driver of a 2022 Nissan Rogue at $4,250 per year, while Farmers offers the costliest rate at around $8,969 per year. We recommend obtaining and comparing rates from various providers to find the best teen car insurance.
How much is car insurance for a 2021 Nissan Rogue?
Full coverage car insurance for a Rogue averages around $159 per month, on average, while liability only insurance usually comes in at about $92. AmericanAlliance is the most affordable auto insurance carrier for a Rogue. With base prices starting at just $23,960 for new 2021 models, the Nissan Rogue is a great car for drivers on a budget.
How much does car insurance cost for a 2023 Nissan Rogue?
Auto insurance rates vary depending on the model year. For instance, average car insurance rates for a 2023 Nissan Rogue costs $1,984 per year, while its 2022 equivalent costs $1,570 per year. Regardless of your chosen model year, you can find a competitive carrier that meets your needs and budget.
Which car insurance company is best for a Nissan Rogue?
Drivers of Nissan Rogue vehicles could save a significant amount by comparing car insurance quotes from multiple companies. Our analysis of top insurers found that USAA* is the most budget-friendly choice for insuring a Rogue. The runner-up was Erie. Related: The best car insurance companies