Who Has the Cheapest Auto Insurance for a Nissan Rogue in San Jose?

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Buying competitive insurance for a Nissan Rogue in California is normally pretty easy, but it hinges on a lot of factors such as your age, whether you are claim-free, and your motor vehicle report. Drivers in California pay approximately $1,183 per year to insure their Rogue, but that figure is an estimation calculated based on a 50-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.

But there is a high probability that you are not 50 years old and maybe not even female, possibly married instead of single, and you may just want the cheapest liability coverage you can find. Just a slight change in the factors used in pricing a policy can make a big difference in the price of coverage.

This demonstrates why the best method for finding cheap insurance rates for your Nissan is to just take the time to compare rates yourself. To cut your rates now, get a free quote and you will receive prices from some of the cheapest companies in California.

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The trim level of your Rogue tends to have a direct impact on the cost of insurance, so the rate you pay to insure a Rogue S 2WD trim level will be $82 less than the cost to insure the high end Rogue SL AWD trim level, as shown by the rates below.

Nissan Rogue Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $238 $454 $564 $34 $168 $1,458 $122
Rogue S AWD $238 $454 $564 $34 $168 $1,458 $122
Rogue SL 2WD $238 $454 $564 $34 $168 $1,458 $122
Rogue SL AWD $238 $536 $564 $34 $168 $1,540 $128
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific location information which can affect coverage prices considerably.

Finding dependable, cost effective insurance is easier said than done, and deciding which companies have the lowest-priced car insurance rates for a Nissan Rogue will require a bit more work. Every car insurance company has a different process for determining rates in each state, so we'll go over the car insurance companies that tend to have lower prices in San Jose.

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Century National $1,190
4 CSAA $1,198
5 Nationwide $1,213
6 21st Century $1,338
7 Grange $1,447
8 GEICO $1,529
9 Mercury $1,533
10 Progressive $1,542
11 Allied $1,556
12 Allstate $1,559
13 The Hartford $1,591
14 MetLife $1,654
15 State Farm $1,699
16 Unitrin $1,699
17 Esurance $1,705
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $2,026
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Wawanesa offers some of the best car insurance rates in San Jose at around $1,146 a year. This is $505 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide would also be considered some of the cheaper San Jose, CA insurance companies.

As shown in the table above, if you are a policyholder with Nationwide and switched to USAA, you could realize annual savings of in the vicinity of $58. Drivers with 21st Century may save as much as $183 a year, and Grange policyholders might see rate reductions of $292 a year.

If you want to find out if you're overpaying, click here to start your free quote or click through to the companies below.

Be aware that those premiums are averages for all drivers and vehicles in California and are not factoring in an exact vehicle garaging location for a Nissan Rogue. So the company that fits your age and vehicle best may not even be in the top 24 companies shown above. That is why you need to compare rates from as many companies as possible using your own individual information.

Car insurance rates are higher with tickets and accidents

The common sense way to score affordable car insurance rates for a Rogue is to pay attention while driving and have a clean driving record. The chart below highlights how traffic violations and at-fault collisions influence insurance prices for each different age group. The premiums are based on a married female driver, full coverage, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of car insurance per year with a clean driving record and no accidents is $2,231. Receive two speeding tickets and the average cost increases to $3,172, an increase of $941 each year. Then throw in one accident along with the two speeding tickets and the 12-month cost of car insurance for a Nissan Rogue jumps again to an average of $4,120. That's an increase of $1,889, or $157 per month, just for a couple of infractions!

Why you are probably overpaying for Rogue insurance

San Jose, CA car insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Simply getting older, buying another vehicle, or getting a ticket for running a stop sign may cause policy rate changes that may make certain companies cheaper than before. Not only may your situation change, but auto insurance companies file new California auto insurance rates every year or even multiple times each year in order to remain profitable. An unexpected high level of claims may result in rate increases, while a profitable period may result in cheaper Rogue insurance rates.

To illustrate this example, the graph below shows the cheapest car insurance in San Jose, CA for a 40-year-old male driver with no prior claims, no tickets, and a good credit rating. If we look at prices based on his current risk profile, USAA might offer the lowest car insurance rates in San Jose at $1,175 a year. This is $476 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide round out the rest of the cheapest San Jose, CA auto insurance companies.

In this example, we will give the driver from the first rate comparison a claim, slightly worse credit, and a stop sign violation. Because each insurer has a different formula for determining rates in each state, comparing prices could result in a significantly different list of the cheapest car insurance companies in San Jose as shown below.

Grange now has the best auto insurance rate in San Jose with Mercury, Allstate, Allied, and Progressive also having competitive pricing. This illustrates why it is important to shop around when trying to find the cheapest auto insurance rates for a Nissan Rogue.

Car insurance prices are impacted by many different factors and change substantially, so the most affordable company two years ago may now cost much more than other companies.

If you prefer to have a consultation when comparing insurance rates for a Rogue, the insurance agencies listed below can probably aid you in deciding which auto insurance policy would work best for you.

To locate a San Jose auto insurance agent using an interactive map, click the link at the bottom.

Thachvu Ho - State Farm Insurance Agent
1025 Lincoln Ave - San Jose, CA 95125 - (408) 267-4100

Tami Pratt - State Farm Insurance Agent
360 Kiely Blvd #125 - San Jose, CA 95129 - (408) 247-6800

Art Holland - State Farm Insurance Agent
5520 Almaden Expy - San Jose, CA 95118 - (408) 229-7870

Farmers Insurance - Jeff Senigaglia
950 S Bascom Ave #2113 - San Jose, CA 95128 - (408) 297-6686

All Solutions Insurance - San Jose
574 Blossom Hill Rd - San Jose, CA 95123 - (408) 225-4300

Find a San Jose, CA insurance agent near you