Buying competitive insurance for a Nissan Rogue in Pennsylvania doesn’t take a lot of effort, but it relies on many factors such as how many years you have been driving, if you have a tendency to file claims, and violations on your driving record. Drivers in Pennsylvania pay approximately $981 a year to insure their Rogue, but that is based on a 50-year-old single female driver with full physical damage coverage and $250 deductibles.
There’s a high likelihood you’re not a 50-year-old female, possibly married instead of single, and maybe you want higher deductibles. The different assumptions illustrate why the best way to find the cheapest insurance price for your Nissan is to do your own rate comparisons. Comparing quotes is easy and you will be able to see rates from some of the cheapest companies that offer coverage in Pennsylvania.
The specific model of Rogue has an effect on the cost of insurance, so the cost to insure a Rogue S 2WD will be $74 lower than the insurance cost for the high end Rogue SL AWD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$218||$420||$420||$24||$126||$1,208||$101|
|Rogue S AWD||$218||$420||$420||$24||$126||$1,208||$101|
|Rogue SL 2WD||$218||$420||$420||$24||$126||$1,208||$101|
|Rogue SL AWD||$218||$494||$420||$24||$126||$1,282||$107|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific Philadelphia garaging location which can affect rates significantly.
Locating cost effective car insurance is not the easiest thing to do, and determining which insurers offer the best car insurance rates for a Nissan Rogue will involve more quotes for comparison. Every car insurance company uses a little different formula for filing rates in each state, so first let’s look at the rankings for the car insurance companies with the most affordable rates in Philadelphia, PA.
Cheapest Insurance Rates for Your Nissan
|Rank||Company||Cost Per Year|
|16||Mutual Benefit Group||$1,397|
|Find Cheaper Rates Go|
General Casualty has some of the most affordable car insurance rates in Philadelphia at around $748 each year. This is $909 less than the average price paid by Pennsylvania drivers of $1,657. USAA, Travelers, Penn National, and Erie would also make the list of some of the cheapest Philadelphia, PA insurance companies.
In the above example, if you buy coverage from Travelers and switched to General Casualty, you might achieve annual savings of approximately $63. Pennsylvania drivers with Penn National might save as much as $68 a year, and Erie customers might cut rates by $76 a year.
To see how much you can save, click here to get quotes or quote prices from the following companies.
Remember that these rates are averaged across all ages of drivers and types of vehicles and and are not figured with a specific vehicle garaging location for a Nissan Rogue. So the company that fits your needs best may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver information and specific vehicle type.
Safe drivers pay less for car insurance
One of the best ways to receive good car insurance prices in Pennsylvania for a Rogue is to drive carefully and avoid accidents and violations. The chart below shows how speeding tickets and at-fault fender-benders can increase auto insurance rates for each age group. The rates are based on a married female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of car insurance in Pennsylvania per year with no accidents or violations is $1,669. Get written up for one speeding ticket and the average cost surges to $1,945, an increase of $276 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Nissan Rogue jumps again to an average of $4,385. That’s an increase of $2,717, or $226 per month, just for not driving responsibly!
The illustration below demonstrates how choosing different deductibles can impact yearly insurance costs when trying to find cheap insurance for a Nissan Rogue. The premiums assume a single female 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 $314 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $472 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, could save up to $796 or even more just by choosing higher deductibles. When using a larger deductible, it will be required to have enough spare savings to satisfy the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Are you paying too much for car insurance?
Pennsylvania car insurance rates are impacted by many factors which can substantially change the cost of having a policy. Improving your credit score, becoming a homeowner, or getting caught speeding may cause policy rate changes resulting in some rates now being cheaper than competitors.
Additionally, companies file new Pennsylvania car insurance rates every year or even multiple times each year to adjust for gains or losses. Significantly higher claims can result in rate hikes, while a lower level of claims may result in lower-cost Rogue insurance rates.
The graph below shows rates for the cheapest car insurance in Philadelphia, PA for a 40-year-old male driver with no prior claims, no tickets, and solid credit. If we compare prices based on his current risk factors, General Casualty has the lowest car insurance rates in Philadelphia at $1,666 per year. This is $9 more than the average policy premium paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National are also included in the most affordable Philadelphia, PA auto insurance companies.
The next chart shows rates after we give the driver from the first example an accident surcharge, a little lower credit rating, and a speeding ticket. Since each insurance company has a unique formula for determining rates, comparing insurance quotes will most likely result in a different set of affordable Philadelphia car insurance companies as shown below.
Amica now has the lowest price in Philadelphia with Atlantic States, Donegal Mutual, USAA, and Erie also being competitive. This demonstrates why Pennsylvania drivers need to spend some time comparing rates to find the cheapest auto insurance quotes for a Nissan Rogue. Prices can be altered by many factors and change frequently, so the cheapest option two years ago may now be quite expensive.
Ideas for finding more affordable auto insurance for a Nissan Rogue
It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help drivers buy cheaper auto insurance.
- Avoid price increases by not filing claims
- Assess whether full coverage is needed
- Having at-fault accidents will increase rates
- Buy your auto and home insurance from the same company and save
- Drive safely
- Buy a car with high safety ratings
- Shop around for lower rates once a year
That last piece of advice is highly valuable, as we stressed in this article. Prices charged by auto insurers in Philadelphia go up and down frequently, so don’t be unwilling to switch carriers if a better deal can be had.
Brand loyalty is great, but we do not recommend it if that loyalty ends up costing money that could be going to better use. It only takes a couple minutes to compare rates to find cheaper insurance for a Nissan Rogue.
The Philadelphia, PA, insurance agents below are a good start to answer your questions and help you decide which policy is best, since lots of people like to have a little guidance when trying to find lower insurance rates for a Nissan Rogue. It can be challenging to find coverage yourself, and agents can give you comfort knowing your policy gives you decent coverage if you have a claim. To locate a Philadelphia auto insurance agent close to you, click the button after the list.
National Insurance Agency
2414 Rhawn St – Philadelphia, PA 19152 – (215) 332-1100
Eckroth Insurance Group LLC
521 N 22nd St – Philadelphia, PA 19130 – (215) 232-0200
Wanda Dancy – State Farm Insurance Agent
2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390