Who Has Cheap Auto Insurance for a Nissan Rogue in Tampa?

Finding cheap coverage for a Nissan Rogue depends on a lot of different factors such as age of the driver, your geographic location, and any prior driving offenses you have. Drivers pay on average $1,280 annually to insure their Rogue, but that price is a valuation calculated based on a 40-year-old single 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 may not be 40 years old (or even female), married instead of single, or maybe you prefer to not insure for full coverage. Even a slight difference in the rating criteria used to formulate rates could end up with a large change in the price of a policy.

Everyone has unique insurance needs, and this illustrates why the only way to find the cheapest coverage for your Nissan is to do a thorough rate comparison. It only takes a couple of minutes and you will be able to see rates from some of the best insurers that insure Nissan vehicles in Florida.

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The specific model of Rogue will likely have an effect on the annual cost of coverage, so the price you pay to insure a Rogue S 2WD trim level will be $90 less expensive the price to insure the more costly Rogue SL AWD version, as shown in the chart below.

Nissan Rogue Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $252 $494 $612 $36 $184 $1,578 $132
Rogue S AWD $252 $494 $612 $36 $184 $1,578 $132
Rogue SL 2WD $252 $494 $612 $36 $184 $1,578 $132
Rogue SL AWD $252 $584 $612 $36 $184 $1,668 $139
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise price quotes substantially.

Picking a good quality company can be difficult considering how many companies there are to choose from in Florida. The company rank data listed below could help you choose which car insurance providers you want to consider comparing rates from.

The rankings below are only comprised of the largest companies in the United States, so companies that only write business in Florida or surrounding areas will not be included in the list. To view rates and find cheaper insurance for a Nissan Rogue, just click here.

Tampa, FL Auto Insurance Company Rankings
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

Careless drivers pay higher rates

In a perfect world, the best way to maintain the most affordable auto insurance premiums for a Rogue is to drive cautiously and maintain a clean driving record. The illustration below shows how traffic citations and accidents raise yearly insurance costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

In the prior example, the average cost of auto insurance in Florida per year with no accidents or violations is $2,217. Add in two speeding tickets and the average cost surges to $2,916, an increase of $699 each year. Now include one accident along with the two speeding tickets and the yearly cost of auto insurance for a Nissan Rogue goes up to an average of $3,633. That’s an increase of $1,416, or $118 per month, just for not driving responsibly!

Here’s why price comparisons are so important

Florida auto insurance rates are influenced by many factors that will increase or decrease the policy price. Improving your credit score, marrying your spouse, or getting a ticket for running a stop sign can trigger rate changes that can cause some rates to be much cheaper than others. Also, auto insurance companies file new rates multiple times each year in order to remain profitable. Higher than usual claims may cause rate increases, while lower claim expenses may produce lower-priced Rogue insurance rates.

The chart below shows which companies have the cheapest car insurance in Tampa, FL for a 35-year-old male driver with no violations or accidents, and a good credit rating. Based on his personal profile, USAA may have the best car insurance rates in Tampa at $1,502 per year. This is $946 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Allied are the remaining cheapest Tampa, FL auto insurance companies.

In this next rate comparison, we will give the driver in the first example a claim surcharge, slightly worse credit, and a blemish on his driving record. Due to the fact that every insurance company has a unique formula for filing rates in each state, comparing quotes will most likely result in a slightly different list of the cheapest Tampa car insurance companies as shown below.

USAA now has the lowest price in Tampa, FL with Mercury, Esurance, State Farm, and Auto-Owners also having competitive pricing. This example proves why it is crucial to do a thorough rate comparison when trying to get the cheapest car insurance quotes for a Nissan Rogue. Car insurance prices consist of many factors and change frequently, so the most affordable company three years ago may now be one of the higher cost companies.

The Tampa car insurance agencies listed below can probably help you determine which policy fits your needs best, as lots of people like to have some professional guidance when buying car insurance for a Nissan Rogue. It can be challenging to find coverage yourself, and getting advice from a licensed Florida insurance agent can add comfort knowing your policy gives you adequate protection in case of an accident or claim.

To find a Tampa insurance agency by location nearest to you, click the button link following the list.

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