Who Has Affordable Car Insurance Rates for a Nissan Rogue in Fort Worth?

Buying the best cheap coverage for a Nissan Rogue in Texas is pretty simple, but it is dependent upon a lot of things such as annual miles driven, the performance level of your vehicle, and citations on your driving record. Texas drivers pay around $872 each year for Rogue insurance, but that amount is a projection calculated using a 40-year-old married female driver with full physical damage coverage and $1,000 deductibles.

Most likely you’re not a 40-year-old female, possibly single instead of married, or you just prefer to insure for liability only. Car insurance coverage is unique to each driver, so this is why the only real way to find affordable rates for your Nissan is to just compare rates yourself.

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The specific model of Rogue tends to have a direct effect on the coverage cost, so the price you will be charged to insure a Rogue S 2WD will cost $54 less than the insurance cost for the fancier Rogue SL AWD model, as shown in the chart below.

Nissan Rogue Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $156 $306 $452 $26 $136 $1,076 $90
Rogue S AWD $156 $306 $452 $26 $136 $1,076 $90
Rogue SL 2WD $156 $306 $452 $26 $136 $1,076 $90
Rogue SL AWD $156 $360 $452 $26 $136 $1,130 $94
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific Fort Worth garaging location which can raise or lower prices significantly.

Best car insurance company in Texas

Picking a good quality auto insurance company can be challenging considering how many companies there are to choose from in Texas. The rank data shown below may help you pick which auto insurers to look at when comparing auto insurance rates for a Nissan Rogue. These rankings are only comprised of large, nationwide insurance companies, so companies with more of a regional focus are not taken into consideration for these rankings.

Top 15 Car Insurance Companies for a Nissan Rogue in Fort Worth, TX
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

Types of discounts on Fort Worth auto insurance

Discounts on car insurance for a Nissan RogueAuto insurance companies that offer coverage for a Nissan Rogue could also offer discounts that could reduce prices by as much as 30% if you meet certain criteria. Large car insurance companies and a partial list of their discounts can be read below.

The chart below shows the difference between car insurance costs with and without discounts applied. The data assumes a female driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, accident-free, multiple vehicle, claim-free, defensive driving course, and homeowner discounts applied. When discounts are factored in, theamount saved on car insurance for a Nissan Rogue is 28% or $706.

The chart below illustrates how choosing a deductible can influence insurance rates when quoting cheap insurance for a Nissan Rogue. The costs are based on a single female driver, comp and collision included, and no policy discounts are applied.

As shown above, a 50-year-old driver could cut expenses by $362 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $546 by using a $1,000 deductible. Younger drivers, like the 20-year-old category, could reduce their rates $920 or more just by choosing higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it will be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Rate increases following a ticket or accident

The common sense way to receive the best car insurance rates in Texas for a Rogue is to be an attentive driver and avoid accidents and traffic citations. The example below illustrates how traffic citations and accident claims increase car insurance rates for different age groups. The price estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of car insurance in Texas per year with no accidents and a clean driving record is $1,929. Get one speeding ticket and the average cost rises to $2,248, an increase of $319 each year. Now add in one accident along with the one speeding ticket and the annual cost of car insurance for a Nissan Rogue increases to an average of $3,140. That’s an increase of $1,211, or $101 per month, just for not being a responsible driver!