Finding economical auto insurance for a Nissan Rogue in Florida is pretty easy for most people, but it depends on a whole bunch of rating criteria such as how old the vehicle is, your credit status, and physical damage deductibles. Florida drivers will pay around $1,280 each year to insure their Rogue, but that is a valuation using a 40-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
The issue with using an average estimated rate is the likelihood you’re not a 40-year-old female, married instead of single, and you need different coverage limits than the sample rates. Even a minor change in the criteria used to calculate rates may result in significant differences in rates.
Having different needs demonstrates why the only way to find cheap insurance rates for your Nissan is to compare as many rates as possible. It’s really quite easy you will receive rate quotes from the cheapest companies available.
Your Nissan’s trim level will most likely have an effect on the insurance rate, so the cost to insure a Rogue S 2WD trim level will be $90 less expensive the cost to insure the more expensive Rogue SL AWD version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $252 | $494 | $612 | $36 | $184 | $1,578 | $132 |
| Rogue S AWD | $252 | $494 | $612 | $36 | $184 | $1,578 | $132 |
| Rogue SL 2WD | $252 | $494 | $612 | $36 | $184 | $1,578 | $132 |
| Rogue SL AWD | $252 | $584 | $612 | $36 | $184 | $1,668 | $139 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease rates significantly.
Selecting a highly-rated insurer can be rather challenging considering how many choices there are in Florida. The ranking data in the lists below could help you decide which car insurance companies to look at when comparing rates.
The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for the list. To get rate quotes from these and other competitive companies, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Orlando insurance rates
Insurance providers that sell policies for a Nissan Rogue may also provide rate discounts that can reduce rates by as much as 30% if you are eligible to receive them. Larger insurance companies and their offered discounts can be read below.
- State Farm may have discounts that include anti-theft, driver’s education, defensive driving training, good driver, good student, Steer Clear safe driver discount, and multiple policy.
- Liberty Mutual policyholders can earn discounts including exclusive group savings, new move discount, new vehicle discount, newly married, preferred payment discount, and newly retired.
- American Family offers discounts for TimeAway discount, mySafetyValet, air bags, early bird, Steer into Savings, accident-free, and multi-vehicle.
- Progressive may offer discounts for good student, online signing, multi-policy, homeowner, online quote discount, multi-vehicle, and continuous coverage.
- Farmers Insurance offers discounts including mature driver, homeowner, youthful driver, good student, and electronic funds transfer.
- Auto-Owners Insurance discounts include paperless, anti-theft, multiple vehicles, good student, group or association, and safe driver.
- SAFECO may include discounts for bundle discounts, drive less, anti-lock brakes, anti-theft, teen safety rewards, and multi-car.
The example below illustrates the comparison of car insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, no violations or claims, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, vehicle safety, defensive driving course, passive restraint, safe-driver, and anti-theft discounts applied. When these discounts are applied, the average amount saved each year on insurance for a Nissan Rogue is 28% or $774.
Why you should be shopping around
Orlando insurance rates are based on many factors that control the price of coverage. Simply having a birthday, moving across town, or getting caught speeding can trigger rate changes that can cause some rates to be more affordable than the competition.
Also, companies change the rates they charge in Florida without warning to ensure their profitability. Heavy losses can cause higher rates, while a better claims history can produce more affordable Rogue insurance rates.
The data below shows a variety of companies that have the cheapest car insurance in Orlando, FL for a 45-year-old female driver with a good driving record, no prior claims, and a good credit history. If we look at prices based on her current situation, USAA might quote the best car insurance rates in Orlando at $1,179 annually. This is $1,269 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the remaining most affordable Orlando, FL auto insurance companies.
The example below compares rates after we give the driver from the above example a claim or two, slightly worse credit, and an imperfect driving record. Since each auto insurer has their own unique process to set policy rates, comparing rates will most likely result in a different ranking of cheap Orlando auto insurance companies as shown below.
USAA now has the lowest price in Orlando, FL with Mercury, GEICO, Esurance, and State Farm now rounding out the top five. This demonstrates why it is crucial to spend some time comparing rates to find cheap auto insurance quotes for a Nissan Rogue. Prices are calculated by many things and can change without notice, so the most affordable company when you bought your policy may now be one of the more expensive options.
How to find more affordable car insurance for a Nissan Rogue
The list below shows some of the better money-saving suggestions that can help Florida drivers get low-cost coverage.
- Pay cheaper rates with good credit scores
- Pay for smaller claims out-of-pocket
- Prevent rate increases by staying accident-free
- Keep your driving record clean
- Home or renters coverage can save on auto insurance
- Increase your comprehensive and collision deductibles
- Ensure you have the best deal by shopping around regularly
The last tip in the list is particularly crucial, as we emphasized in the prior article. Car insurance prices in Orlando change constantly, so drivers shouldn’t hesitate to switch companies if a more affordable rate is found.
Brand loyalty is great, but it’s not a good idea if that dedication is costing money that could be spent on other things. It only takes a couple minutes to compare prices to find cheaper auto insurance for a Nissan Rogue.