Who Has Affordable Car Insurance for a Nissan Rogue in Austin?

Buying economical coverage for a Nissan Rogue in Texas is fairly easy, but it relies on lots of different rating factors such as how safe your vehicle is, your residence address, and your driving record. Texas drivers pay on average $965 each year for Rogue insurance, but that amount is an estimation based upon a 50-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.

The issue with using an average estimated rate is the likelihood you’re not a 50-year-old female, you might be single instead of married, or you just want cheap liability insurance instead of full coverage. Auto insurance is unique to each driver, so the best method for finding affordable rates for your Nissan is to compare rates from as many companies as possible.

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The trim level of your Nissan will most likely have an effect on the insurance rate, so the rate you pay to insure a Rogue S 2WD will be $74 cheaper than the insurance cost for the more costly Rogue SL AWD version, as shown in the chart below.

Nissan Rogue Insurance Rates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $226 $412 $404 $24 $122 $1,188 $99
Rogue S AWD $226 $412 $404 $24 $122 $1,188 $99
Rogue SL 2WD $226 $412 $404 $24 $122 $1,188 $99
Rogue SL AWD $226 $486 $404 $24 $122 $1,262 $105
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in your specific Austin location which can affect rates substantially.

Finding cheap auto insurance is hard enough, and finding out which company quotes the cheapest car insurance rates for a Nissan Rogue will involve even more rate comparisons. Every insurance company has a different process for setting prices, so let’s rank the most affordable car insurance companies in Texas.

It’s important to know that Austin, TX car insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Simply having another birthday, having a teenage driver, or having an at-fault accident may prompt premium changes that can cause some rates to be more expensive than others.

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,128
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,244
5 Esurance $1,379
6 California Casualty $1,438
7 State Farm $1,450
8 Mercury $1,461
9 Nationwide $1,600
10 Safe Auto $1,613
11 Allstate $1,650
12 Progressive $1,715
13 Amica $1,757
14 GEICO $2,093
15 Home State $2,155
16 MetLife $2,161
17 Encompass $2,255
18 Unitrin $2,310
19 21st Century $2,469
20 Titan $2,568
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Travelers may offer some of the cheapest car insurance rates in Austin at around $1,041 a year. This is $863 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Austin, TX insurance companies.

As shown above, if you are currently insured with USAA and switched to Travelers, you may realize an annual premium reduction of upwards of $87. Policyholders with Texas Farm Bureau could save as much as $194 a year, and Germania Mutual insureds might reduce rates by $203 a year.

If you want to find out if you’re overpaying, click here to begin a quote or visit several of the following companies.

It’s important to note that these premium estimates are averages for all drivers and vehicles and and are not figured with an exact vehicle garaging location for a Nissan Rogue. So the auto insurance company that is best for you may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.

Car insurance rates are higher with tickets and accidents

The obvious way to earn good car insurance rates for a Rogue is to drive carefully and avoid getting tickets or having accidents. The diagram below shows how traffic citations and at-fault accidents can raise auto insurance rates for each age group. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

In the example above, the average cost of a car insurance policy in Texas per year with no accidents or violations is $2,261. Get two speeding tickets and the average cost rises to $2,985, an increase of $724 each year. Now add one accident along with the two speeding tickets and the 12-month cost of car insurance for a Nissan Rogue increases to an average of $3,717. That’s an increase of $1,456, or $121 per month, just for not being a responsible driver!

Discount Austin auto insurance

Car insurance for a Rogue in Austin, TXCar insurance companies that offer quotes for a Nissan Rogue may also offer price discounts that could lower prices by as much as 35% if you meet certain criteria. Companies and their possible discounts are:

The illustration below visualizes the comparison of insurance costs with and without some available policy discounts. The prices are based on a female driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, multiple policy, vehicle safety, safe-driver, passive restraint, and defensive driving course discounts applied. In this example, theamount saved on car insurance for a Nissan Rogue is 28% or $771.

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Texas car insurance rates are calculated based on many things which can substantially change the policy premium. Simply improving your credit, having a teen driver, or having a fender bender may prompt premium changes that can now make some companies cheaper in comparison to the competition.

Not only that, but insurance companies amend pricing multiple times each year in order to offset underwriting gains or losses. Heavy losses may result in higher prices, while profitable underwriting can produce lower-priced Rogue insurance rates.

To help illustrate this point, the bar chart below shows rates for the cheapest car insurance in Austin, TX for a 35-year-old male driver with a clean driving record, no accidents, and good financial standing. When quoting prices based on his current situation, Travelers may offer the best car insurance rates in Austin at $1,118 each year. This is $786 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the cheapest Austin, TX auto insurance companies.

The example below compares rates after we give the driver in the first chart a claim, a lower credit rating, and a couple of points charged on his driving record. Since every insurance provider uses their own method for determining prices, comparing insurance quotes most likely will result in a different set of affordable companies as shown below.

State Farm now has the cheapest rate in Austin with Mercury, Nationwide, Safe Auto, and USAA now rounding out the top five. This example illustrates why consumers need to take the time to compare rates to find the most affordable car insurance quotes for a Nissan Rogue. Prices are impacted by many different factors and change dramatically, so the best option the last time you shopped around may now be priced much higher than other options.

The insurance agencies below can most likely answer your questions and help you decide which car insurance company is the best fit, as some drivers wish to have a consultation when buying car insurance for a Rogue. It can be complicated to find the best coverage yourself, and a professional agent can provide peace of mind knowing your policy gives you decent coverage if you have a claim.

To find an auto insurance agency using an interactive map, click the button at the bottom or click here to compare prices now.

Dean Davis Insurance Agency
7950 Anderson Square Suite 101Austin, TX 78757(512) 454-4511

Southwest Insurance Center
3105 W Slaughter LnAustin, TX 78748(512) 280-6100

Gary Shanahan – State Farm Insurance Agent
5145 N FM 620 b170Austin, TX 78732(512) 458-2593

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How to find more affordable insurance for a Nissan Rogue

The list below shows some of the recommended money-saving suggestions that can help Texas drivers quote low-cost car insurance.

That last tip is highly crucial, as was affirmed in the prior information. Prices charged by car insurance companies in Austin fluctuate constantly, so don’t be tentative to switch carriers if you find a cheaper price. Staying with the same car insurance company is fine, but is isn’t recommended if that dedication is costing a small fortune. In less than five minutes you could compare rates and find cheaper car insurance for a Nissan Rogue.