Who Has Affordable Cleveland Auto Insurance for a Nissan Rogue?

Buying affordable coverage for a Nissan Rogue in Ohio is dependent upon many factors such as whether you are married or single, your profession, and violations on your driving record. Ohio drivers will pay around $458 per year for Rogue insurance, but that figure is an estimate calculated using a 50-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.

The issue that arises when projecting rates is that it’s very likely that you’re not a 50-year-old female, maybe you are single instead of married, or you just prefer to insure for liability only. This example demonstrates why the best method for finding cheap insurance prices for your Nissan is to put in the effort to do a thorough rate comparison. Quotes are always free and you can get prices from some of the best insurers in Ohio.

Cheapest Nissan Rogue Insurance Rates

The specific model of Rogue will influence the annual cost of coverage, so the price to insure a Rogue S 2WD model will be $28 less expensive the insurance cost for the more well-appointed Rogue SL AWD version, as shown in the table below.

Nissan Rogue Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $84 $154 $242 $14 $72 $566 $47
Rogue S AWD $84 $154 $242 $14 $72 $566 $47
Rogue SL 2WD $84 $154 $242 $14 $72 $566 $47
Rogue SL AWD $84 $182 $242 $14 $72 $594 $50
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in your specific Cleveland location which can decrease or increase premiums substantially.

Insuring your vehicle with the highest-rated car insurance provider is difficult considering how many different insurance companies sell coverage in Ohio. The ranking data listed below can help you analyze which car insurance providers to look at when shopping car insurance rates for a Nissan Rogue. The rankings below are for major nationwide insurance companies, so companies that have a smaller presence are not included in the list.

Top Car Insurance Companies for a Nissan Rogue in Ohio
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

The diagram below demonstrates how deductibles can impact insurance rates when searching for cheap insurance for a Nissan Rogue. The premiums assume a single male driver, full physical damage coverage, and no discounts are applied to the premium.

As shown above, a 30-year-old driver could lower their policy premium by $250 a year by increasing from a $100 deductible up to a $500 deductible, or save $378 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, could shave as much as $734 each year just by using higher deductibles. When using a larger deductible, it is a good idea to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Difference between liability only and full coverage rates

Reducing the cost of car insurance should be important to most vehicle owners, and a good way to lower the cost of insurance for a Nissan Rogue is to only buy liability insurance. The example below shows the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no policy discounts are applied.

As an average for all age groups, full coverage on your policy costs $1,279 per year over and above liability only. Many people question when is it safe to stop buying full coverage. There is no written rule to delete physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying in excess of $200 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are a few situations where buying only liability insurance is not a good plan. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Driving violations and accidents

The recommended way to score the cheapest car insurance prices in Ohio for a Rogue is to drive cautiously and avoid accidents and traffic violations. The illustration below shows how speeding tickets and fender-benders can affect insurance prices for different age groups. The premiums are based on a single male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of an auto insurance policy per year with no accidents or violations is $1,357. Receive two speeding tickets and the average cost swells to $1,787, an increase of $430 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Nissan Rogue goes up to an average of $3,523. That’s an increase of $2,166, or $181 per month, just for being a little careless behind the wheel!