What Auto Insurance is Cheapest for a Nissan Rogue in San Francisco?

Buying economical insurance for a Nissan Rogue depends on a lot of things such as how many years you have been driving, your geographic location, and driving violations and tickets. Drivers pay on average $1,116 per year to insure their Rogue, but that cost is an estimation calculated using a 40-year-old married male driver with full coverage and $500 deductibles.

There is a good probability you may not be 40 years old (or even male), single instead of married, or maybe you have a speeding ticket or two that will increase rates. Everone’s needs are different, and this illustrates why the only real way to find the cheapest rates for your Nissan is to compare as many rates as possible. Do a quick rate comparison now and you will receive prices from the best companies that sell coverage in California.

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The specific model of Rogue will have an impact the cost of insurance, so the price you will pay to insure a Rogue S 2WD trim level will be $76 lower than the price to insure the high end Rogue SL AWD model, as shown in the table below.

Nissan Rogue Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $252 $426 $514 $30 $154 $1,376 $115
Rogue S AWD $252 $426 $514 $30 $154 $1,376 $115
Rogue SL 2WD $252 $426 $514 $30 $154 $1,376 $115
Rogue SL AWD $252 $502 $514 $30 $154 $1,452 $121
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific location information which can impact price quotes noticeably.

Trying to buy reasonably-priced car insurance is challenging, and figuring out which companies offer the most affordable insurance rates for a Nissan Rogue will require a little more work. Each insurer has a proprietary formula to set policy rates, so let’s begin by taking a look at the insurance companies that tend to be cheaper in California.

It’s a good idea to know that San Francisco insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay for coverage. Improving your financial situation, moving to a different location, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being much higher than others.

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Cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,192
3 Century National $1,214
4 Nationwide $1,226
5 CSAA $1,234
6 21st Century $1,325
7 Grange $1,491
8 Progressive $1,496
9 Allstate $1,497
10 GEICO $1,513
11 Mercury $1,533
12 Allied $1,556
13 The Hartford $1,575
14 MetLife $1,606
15 Unitrin $1,682
16 Esurance $1,705
17 State Farm $1,733
18 Bristol West $1,795
19 Travelers $1,842
20 Farmers $2,026
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USAA may offer some of the lowest car insurance rates in San Francisco at around $1,109 per year. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA also are some of the most economical San Francisco, CA auto insurance companies.

In this example, if you buy coverage from CSAA and switched to Wawanesa, you might see yearly savings of approximately $42. Insureds with 21st Century could save as much as $133 a year, and Grange customers might cut rates by $299 a year.

To compare your rates to other California insurance companies, click here to get quotes or visit several of the following companies.

Bear in mind that those policy prices are averaged for all types of insureds and vehicles and do not take into consideration a vehicle location for a Nissan Rogue. So the company that is best suited for you may not even be in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Full coverage versus liability-only in San Francisco

Saving on insurance is probably important to most drivers, and a great way to buy cheaper insurance for a Nissan Rogue is to buy liability only. The information below shows the difference between annual premium costs with and without full coverage. The price estimates are based on no claims or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.

If averaged out across all ages, physical damage insurance costs an extra $3,093 per year more than just buying liability only. At some point, almost every driver questions if paying for full coverage is a waste of money. There is no specific rule to exclude comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s replacement value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,500 after the policy deductible has been paid. If you are paying more than $350 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where removing full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

The diagram below shows how different deductible levels can impact insurance costs when researching cheap insurance for a Nissan Rogue. The premiums are based on a single female driver, comp and collision included, and no additional discounts are factored in.

The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $476 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $712 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, could drop their prices as much as $1,216 each year just by choosing larger deductibles. When raising deductibles, it will now be necessary to have enough savings set aside to pay the extra out-of-pocket expense associated with higher deductibles.

How to find low-cost auto insurance for a Nissan Rogue

The list below shows some of the better money-saving solutions that can help San Francisco drivers locate lower-cost car insurance.

That last piece of advice is particularly vital, as was affirmed in this piece. Prices charged by car insurance companies can be changed at any time, so you should be ready to change to a new company if you can save money. Having brand loyalty is commendable, but is isn’t recommended if that loyalty ends up costing a wad of cash every year. In just a couple of minutes you could compare prices to find cheaper car insurance for a Nissan Rogue in San Francisco.