Who Has Cheap Car Insurance Rates for a Nissan Rogue in Plano?

Buying economical car insurance for a Nissan Rogue relies on a pretty complex algorithm that uses a lot of factors such as the safety rating for your Rogue, your credit rating, and the level of deductible you choose. Texas drivers pay on average $986 each year to insure their Rogue, but that price is an estimation based on a 50-year-old married male driver with full coverage and $250 deductibles.

It’s highly likely you are not 50 years old and maybe not even male, single instead of married, or maybe you’re a renter instead of a homeowner. Everyone has unique insurance needs, and this illustrates why the way we recommend to find the cheapest insurance price for your Nissan is to do the rate comparisons yourself.

Compare Nissan Rogue Insurance Rates

Your Nissan’s trim level tends to have a direct effect on the cost of coverage, so the rate you will pay to insure a Rogue S 2WD trim level will be $74 less than the price to insure the more costly Rogue SL AWD model, as shown in the table below.

Nissan Rogue Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $230 $422 $414 $24 $124 $1,214 $101
Rogue S AWD $230 $422 $414 $24 $124 $1,214 $101
Rogue SL 2WD $230 $422 $414 $24 $124 $1,214 $101
Rogue SL AWD $230 $496 $414 $24 $124 $1,288 $107
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in zip code location which can raise or lower premiums considerably.

Figuring out which companies quote the most affordable car insurance rates for a Nissan Rogue will involve more time in order to find a policy that fits your budget. Each insurance company uses their own formula to set their prices, so let’s look at the rankings for the car insurance companies that tend to be cheaper in Plano, TX.

It’s a good idea to be aware that Plano car insurance rates are impacted by many factors that control the price you pay for coverage. Simply getting older, becoming a homeowner, or getting a driving violation may generate price changes resulting in some companies being more affordable than others.

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,128
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,282
5 Esurance $1,407
6 California Casualty $1,424
7 Mercury $1,461
8 State Farm $1,495
9 Nationwide $1,538
10 Safe Auto $1,597
11 Allstate $1,667
12 Progressive $1,698
13 Amica $1,775
14 GEICO $2,072
15 Home State $2,134
16 Encompass $2,232
17 MetLife $2,249
18 Unitrin $2,264
19 21st Century $2,421
20 Titan $2,594
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Travelers has some of the best car insurance rates in Plano at around $1,041 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper Plano, TX insurance companies.

As depicted above, if you currently have a policy with Germania Mutual and switched to USAA, you might achieve annual savings of upwards of $154. Policyholders with Esurance may save as much as $279 a year, and California Casualty policyholders might cut rates by $296 a year.

If you want to see how much you could save, click here to start your free quote or visit any of the companies below.

Be aware that those policy rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific location for a Nissan Rogue. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Driving violations and accidents

The best way to get affordable car insurance rates in Texas for a Rogue is to be a safe driver and not have accidents or get tickets. The information below illustrates how violations and at-fault claims increase insurance prices for different age groups. The price estimates are based on a married female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of an auto insurance policy in Plano per year with no accidents or violations is $1,929. Add in two speeding tickets and the average cost hikes up to $2,739, an increase of $811 each year. Next add two accidents along with the two speeding tickets and the annual cost of car insurance for a Nissan Rogue increases to an average of $5,831. That’s an increase of $3,902, or $325 per month, just for not paying attention while driving!

How to get discounts on Plano insurance rates

Cheaper Plano, TX car insurance for a RogueAuto insurance companies that offer coverage for a Nissan Rogue may also provide price discounts that may potentially lower prices by as much as 35% or more if you meet the requirements. Larger car insurance companies and their offered discounts include:

The chart below shows the difference between car insurance costs with and without discounts applied to the rates. The prices are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, anti-theft, defensive driving course, homeowner, multiple vehicle, and vehicle safety discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for a Nissan Rogue is 28% or $664.

Liability rates compared to full coverage

Finding cheaper car insurance is probably important to the majority of vehicle owners, and one of the best ways to lower the cost of insurance for a Nissan Rogue is to not insure for full coverage. The example below shows the difference between insurance rates when comparing full coverage to liability only. The data is based on no claims or driving violations, $100 deductibles, single marital status, and no policy discounts are applied.

As an average for all age groups, comp and collision coverage costs $2,726 per year more than buying just liability insurance. That is a big expense that brings up the question when is it safe to stop buying full coverage. There isn’t a written rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If you are paying over $700 annually for full coverage, then you might want to consider buying only liability coverage.