Finding economical car insurance for a Nissan Rogue in Georgia depends on many rating criteria such as whether you are a homeower, the performance level of your vehicle, and blemishes on your driving record. Georgia drivers pay on average $1,014 each year for Rogue insurance, but that amount is calculated using a 40-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 40 years old or even a female, maybe you are single instead of married, and maybe you want different deductibles. Auto insurance is unique to each driver, so the only way to find the cheapest coverage for your Nissan is to do your own rate comparisons. Quotes only take a few minutes and you will receive prices from some of the best companies that offer coverage in Georgia.
Your Nissan’s trim level will most likely have an effect on the annual cost of coverage, so the price to insure a Rogue S 2WD model will be $72 less expensive the insurance cost for the more expensive Rogue SL AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$212||$404||$466||$28||$140||$1,250||$104|
|Rogue S AWD||$212||$404||$466||$28||$140||$1,250||$104|
|Rogue SL 2WD||$212||$404||$466||$28||$140||$1,250||$104|
|Rogue SL AWD||$212||$476||$466||$28||$140||$1,322||$110|
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in your specific Atlanta location which can influence premium rates noticeably.
Selecting the best insurance company is difficult considering how many companies there are to choose from in Georgia. The company information displayed below can help you select which coverage providers to look at to insure your vehicles.
These rankings are for the largest companies in the United States, so companies with more of a regional focus will not be included in these rankings. To check prices from these and other companies in Georgia, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discount Atlanta auto insurance rates
Auto insurance companies that offer cheap quotes for a Nissan Rogue could also offer discounts that can lower rates by 40% or more if you meet specific eligibility requirements. The best auto insurance companies and some of the premium reductions they offer are included below.
- GEICO policyholders can earn discounts including military active duty, daytime running lights, good student, membership and employees, and emergency military deployment.
- Travelers may have discounts that include hybrid/electric vehicle, payment discounts, driver training, multi-car, and good student.
- Nationwide discounts include good student, family plan, Farm Bureau membership, multi-policy, defensive driving, and anti-theft.
- Farmers Insurance offers premium reductions for switch companies, pay in full, bundle discounts, alternative fuel, homeowner, and electronic funds transfer.
- Esurance has discounts for DriveSense, safety device, multi-policy, renters, online quote, and good student.
- State Farm may offer discounts for multiple policy, good student, accident-free, Drive Safe & Save, and student away at school.
- Progressive has savings for multi-vehicle, continuous coverage, online signing, multi-policy, online quote discount, homeowner, and good student.
- Mercury Insurance offers discounts including anti-theft, ease of repair, good driver, age of vehicle, location of vehicle, accident-free, and type of vehicle.
The illustration below illustrates the difference between annual premium costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no violations or accidents, Georgia state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, safe-driver, vehicle safety, anti-theft, defensive driving course, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for a Nissan Rogue is 28% or $621.
A good deal can quickly turn bad
Atlanta, GA auto insurance rates are impacted by many factors which can substantially change the price you pay for coverage. Simply improving your credit, increasing liability limits, or having a fender bender can cause premium changes that can make some companies more affordable than the competition.
Not only may your situation change, but car insurance companies modify rates every year to help ensure profitability. Unexpectedly high claims can cause additional price hikes, while a better claims history may cause cheaper Rogue insurance rates.
For instance, the chart below shows which companies have the cheapest car insurance in Atlanta, GA for a 30-year-old male driver with no accidents, a clean driving record, and good financial standing. If we compare prices based on his current risk factors, Auto-Owners quotes the cheapest car insurance rates in Atlanta at $1,172 annually. This is $357 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife round out the rest of the best Atlanta, GA auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates a chargeable claim, a lower credit rating, and a stop sign violation. Since each auto insurer has their own formula to set their prices, analyzing rate quotes may result in a different list of affordable Atlanta car insurance companies as shown below.
The Hartford now has the cheapest insurance rate in Atlanta with Travelers, USAA, Safeco, and State Farm also having competitive pricing. This example demonstrates why consumers need to compare as many rates as possible when trying to find the best auto insurance rates for a Nissan Rogue.
Insurance prices are determined by many different factors and can increase or decrease at any time, so the lowest-price company the last time you shopped your coverage around may now be priced much higher than other options.
The Atlanta auto insurance agencies shown below are a good start to aid you in deciding which auto insurance coverages would be the best in your situation, as some drivers aren’t sure which coverage they need and prefer to get some professional input when shopping for cheaper insurance for a Rogue. It can be challenging to find the cheapest rates, and getting professional guidance from a licensed agent can bring peace of mind knowing your coverage gives you adequate protection in the event of a claim. To find an Atlanta insurance agency closest to you, click the link after the list.
Geoff Carlson – State Farm Insurance Agent
1465 Chattahoochee Ave NW #550 – Atlanta, GA 30318 – (678) 927-9977
Clyde Hill Jr – State Farm Insurance Agent
3041 N E Expy – Atlanta, GA 30341 – (770) 452-1485
Nationwide Insurance: Walter Wade Agency
4401 Northside Pkwy NW #311 – Atlanta, GA 30327 – (404) 550-3448
Barry Domangue – State Farm Insurance Agent
1355 Peachtree St NE Ste 103 – Atlanta, GA 30309 – (404) 853-3772
State Farm: Dave Simpson Jr
2240 Fairburn Rd SW – Atlanta, GA 30331 – (404) 344-9777