Who Has the Cheapest Auto Insurance for a Nissan Rogue in Jacksonville?

Buying economical coverage for a Nissan Rogue in Florida is fairly simple, but it is dependent upon a lot of rating factors such as the mileage of your daily commute, if you have recent claims, and any driving offenses on your record. Drivers in Florida pay on average $1,315 each year to insure their Rogue, but that price is a projection based upon a 40-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.

Odds are that you may not be 40 years old (or even female), you might be single instead of married, and you may just want the cheapest liability coverage you can find. Just a very minor change in the criteria used to calculate rates may result in a big change in the price of a policy.

This demonstrates why the way we recommend to find affordable rates for your Nissan is to do a thorough rate comparison.

Insure Your Nissan for Less

Your vehicle’s trim level impacts the cost of coverage, so the price you pay to insure a Rogue S 2WD will be $112 cheaper than the insurance cost for the fancier Rogue SL AWD trim level, as shown in the table below.

Nissan Rogue Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $308 $636 $494 $30 $148 $1,616 $135
Rogue S AWD $308 $636 $494 $30 $148 $1,616 $135
Rogue SL 2WD $308 $636 $494 $30 $148 $1,616 $135
Rogue SL AWD $308 $748 $494 $30 $148 $1,728 $144
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in your specific Jacksonville location which can lower or raise rates considerably.

Insuring your vehicle with the top auto insurance provider can be difficult considering how many choices you have in Jacksonville. The company ratings shown below could help you choose which companies you want to consider when trying find the best insurance for a Nissan Rogue. These ratings only include the largest auto insurers in America, so smaller companies are not taken into consideration for the list.

Best Car Insurance Companies for a Nissan Rogue in Jacksonville
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
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how choosing a deductible can raise or lower insurance prices when quoting cheap insurance for a Nissan Rogue. The information is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

The data above shows that a 50-year-old driver could lower their policy premium by $348 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $524 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could shave up to $1,162 every year by choosing a larger deductible amount. If you make the decision to raise deductibles, it is necessary to have enough in a savings account to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Why are you paying too much for Rogue insurance?

Jacksonville, FL car insurance rates are determined by lots of factors that control the cost of a policy. Simply improving your credit, adding a teenager to your policy, or getting a few speeding tickets can trigger rate changes that can cause some rates to be cheaper than others. And not only may your rating factors change, but insurers file new rates without warning in order to be able to pay unexpected claims. Higher than normal claims may cause additional price hikes, while a better claims history can produce cheaper Rogue insurance rates.

For instance, the graph below analyzes the cheapest car insurance in Jacksonville, FL for a 40-year-old male driver with no violations or accidents, and good financial standing. If we estimate prices based on his personal profile, USAA might offer the best car insurance rates in Jacksonville at $1,186 annually. This is $1,262 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Allied round out the rest of the cheapest Jacksonville, FL auto insurance companies.

In this example, we will give the driver from the first set of rates an accident surcharge, poor credit, and a couple of points charged on his driving record. Since each insurance company uses their own method for determining prices, comparing rates may now show a substantially altered list of the cheapest Jacksonville car insurance companies as shown below.

USAA now has the lowest price on auto insurance in Jacksonville, FL with Mercury, Esurance, Auto-Owners, and State Farm now being in the top five. This example illustrates why it is so important to perform a complete rate comparison when trying to get the most affordable insurance quotes for a Nissan Rogue. Rates are influenced by many things and can increase or decrease at any time, so the most economical option six months ago may now cost much more than other companies.

How to find cheaper car insurance for a Nissan Rogue

The list below summarizes many penny-pinching ideas that can help Jacksonville drivers buy cheap coverage.

The last tip in the list is highly critical, as was emphasized in this article. Rates in Jacksonville fluctuate constantly, so you should be ready to change to a new company if a cheaper rate is available.

Brand loyalty is not necessarily bad, but is isn’t recommended if that stubbornness costs you several hundred dollars every year. Now is a great time to compare rates to find cheaper auto insurance for a Nissan Rogue.