Finding competitive coverage for a Nissan Rogue in New Jersey is dependent upon a lot of things such as your age, the likelihood of your vehicle being stolen, and your policy deductibles. Drivers in New Jersey pay on average $1,934 each year to insure their Rogue, but that amount is an approximation based upon a 30-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
There is a good probability you are not 30 years old and maybe not even female, possibly married instead of single, or maybe you have a speeding ticket or two that will increase rates. There is no perfect policy for every driver, so the best way to find the cheapest insurance price for your Nissan is to compare rates from as many companies as possible.
The specific trim level will influence the insurance rate, so the price you will be charged to insure a Rogue S 2WD will be $164 less than the price to insure the higher-end Rogue SL AWD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$460||$918||$734||$44||$220||$2,376||$198|
|Rogue S AWD||$460||$918||$734||$44||$220||$2,376||$198|
|Rogue SL 2WD||$460||$918||$734||$44||$220||$2,376||$198|
|Rogue SL AWD||$460||$1082||$734||$44||$220||$2,540||$212|
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in specific Jersey City garaging location which can increase or decrease insurance rates considerably.
Comparing quotes for cheap insurance is hard enough, and figuring out which companies quote the cheapest insurance rates for a Nissan Rogue will involve even more rate comparisons. Each insurer uses slightly different criteria for setting prices, so we'll go over the insurance companies that tend to be cheaper in Jersey City.
Keep in mind that New Jersey insurance rates are determined by lots of factors that may substantially change the cost of having a policy. Improving your credit rating, increasing liability limits, or getting a driving violation can cause premium changes that can cause some rates to be less affordable than competitors.
Best Insurance Companies for Your Nissan
|Rank||Company||Cost Per Year|
|3||New Jersey Manufacturers||$1,271|
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21st Century generally has some of the cheapest car insurance rates in Jersey City at around $1,111 annually. Travelers, New Jersey Manufacturers, Penn National, and Palisades also are some of the best Jersey City, NJ insurance companies.
As shown in the rates above, if you currently have coverage with Penn National and switched to 21st Century, you could realize savings of upwards of $227. Drivers with Palisades might save as much as $230 a year, and The Hartford policyholders might see rate reductions of $365 a year.
To find out how your current rates compare, click here to start a quote or feel free to get quotes from the companies below.
Bear in mind that those prices are averaged for all insureds and vehicles and and are not calculated with a specific vehicle garaging location for a Nissan Rogue. So the company that has the lowest price for you may not even be in the top 19 companies in the list above. That emphasizes why you need to compare prices as often as possible using your own specific driver information and vehicle.
Drive safe and save
The easiest method to snag cheap insurance premiums in Jersey City for a Rogue is to be a good driver and avoid getting tickets or having accidents. The information below shows how traffic citations and at-fault collisions can raise insurance prices for different insured age categories. The prices are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of a car insurance policy in New Jersey per year with no accidents or violations is $2,821. Get written up for two speeding tickets and the average cost swells to $4,032, an increase of $1,211 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for a Nissan Rogue increases to an average of $8,372. That's an increase of $5,550, or $463 per month, just for not driving attentively!
Do you need full coverage?
Reducing the cost of insurance is probably important to the majority of vehicle owners, and one of the easiest ways to lower the cost of insurance for a Nissan Rogue is to only pay for liability coverage. The example below illustrates the difference between insurance costs with full coverage compared to only the New Jersey minimum liability coverage. The rate quotes are based on a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are factored in.
If averaged out across all ages, physical damage coverage on your policy costs an extra $2,551 per year more than just buying liability insurance. A very common question is if buying full coverage is worth the expense. There is no clear-cut rule for excluding physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let's assume your vehicle's replacement cost is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,500 after paying the physical damage deductible. If it's costing you more than $350 annually for your policy with full coverage, then it might be time to buy liability only.
Types of discounts on Jersey City insurance
Car insurance companies that offer cheap quotes for a Nissan Rogue could also offer price discounts that can lower rates by as much as 35% or more if you are eligible for them. Popular insurance companies and some of the premium reductions they offer include:
- Progressive policyholders can earn discounts including multi-policy, good student, homeowner, online signing, and multi-vehicle.
- SAFECO offers premium reductions for bundle discounts, anti-theft, multi-car, homeowner, anti-lock brakes, teen safety rewards, and accident prevention training.
- American Family has discounts for accident-free, multi-vehicle, defensive driver, early bird, and mySafetyValet.
- MetLife may offer discounts for claim-free, multi-policy, accident-free, good student, and good driver.
- GEICO may have discounts that include military active duty, driver training, seat belt use, five-year accident-free, defensive driver, federal employee, and anti-lock brakes.
- The Hartford discounts include vehicle fuel type, air bag, driver training, good student, defensive driver, bundle, and anti-theft.
The chart below compares auto insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no claims or driving citations, New Jersey state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, claim-free, passive restraint, homeowner, multiple policy, and marriage discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for a Nissan Rogue is 28% or $835.
If you would rather have professional advice when trying to find the best insurance rates for a Nissan Rogue, the agents listed below can provide answers to your questions and help you determine which insurance coverage will be best for you.
To find a Jersey City insurance agency nearest to you, click the button at the bottom or click here to compare price quotes now.
- Royale Insurance Agency
2184 John F. Kennedy Blvd - Jersey City, NJ 07305 - (201) 656-1800
- Blake Agency
370 Pacific Ave - Jersey City, NJ 07304 - (201) 209-0065
- Wexford Insurance
45 Laidlaw Ave - Jersey City, NJ 07306 - (201) 659-6050
- Joe Nachbaur - State Farm Insurance Agent
505 Central Ave - Jersey City, NJ 07307 - (201) 222-8866