What Auto Insurance is Cheapest for a Nissan Rogue in Riverside?

Buying cheap auto insurance for a Nissan Rogue in California is dependent upon a complicated rating formula that uses factors such as the mileage of your daily commute, your residence address, and your choice of deductibles. California drivers pay around $1,276 a year for Rogue insurance, but that figure is an estimation based upon a 40-year-old married female driver with full coverage and $250 deductibles.

There’s a good chance you are not 40 and maybe not even a female, maybe you are single instead of married, or maybe you want different physical damage deductibles. Have just a small change in the factors used in pricing a policy can result in a large change in the price of coverage.

There is no perfect policy for every driver, so the only way to find the cheapest coverage for your Nissan is to just take the time to compare rates yourself.

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Vehicle trim level impacts the insurance rate, so the price you will be charged to insure a Rogue S 2WD trim level will be $100 cheaper than the cost to insure the fancier Rogue SL AWD version, as shown in the prices below.

Nissan Rogue Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $294 $564 $524 $32 $156 $1,570 $131
Rogue S AWD $294 $564 $524 $32 $156 $1,570 $131
Rogue SL 2WD $294 $564 $524 $32 $156 $1,570 $131
Rogue SL AWD $294 $664 $524 $32 $156 $1,670 $139
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in your specific Riverside location which can change coverage prices noticeably.

Ending up with a good quality insurer can be difficult considering how many different companies there are to choose from in Riverside. The ranking information below may help you pick which auto insurance companies you want to consider comparing rates from. The rankings below are only comprised of large, nationwide insurance companies, so companies that only write business in California or surrounding areas are not factored into the list.

Top 10 Major Auto Insurance Providers in Riverside Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

The illustration below illustrates how your choice of deductibles can affect insurance rates when searching for cheap insurance for a Nissan Rogue. The information is based on a married male driver, full physical damage coverage, and no policy discounts are applied.

In the chart above, a 30-year-old driver could cut expenses by $408 a year by changing from a $100 deductible up to a $500 deductible, or save $618 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, can save up to $1,230 or more just by using higher deductibles.

If you make the decision to raise deductibles, it will now be necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Your low-price policy may be costing you money

California insurance rates are based on many factors which can substantially decrease or increase your annual premium. Simply improving your credit, buying a different home, or getting a driving violation can trigger price changes that can make some companies cheaper than others. In addition to those changes, car insurance companies modify rates as often as every three months to adjust for heavy claims or excess profits. Significantly higher claims may result in additional premium costs, while long-term profits can produce lower-priced Rogue insurance rates.

The bar chart below shows the company with the cheapest car insurance in Riverside, CA for a 45-year-old female driver with no accidents or violations, and a good credit history. If we look at prices based on her personal risk profile, USAA might quote the lowest car insurance rates in Riverside at $1,338 per year. This is $313 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA round out the rest of the most affordable Riverside, CA auto insurance companies.

Now let’s give the driver from the first example a claim surcharge, slightly worse credit, and a few traffic violations. Since each auto insurance company has their own guidelines to set their prices, analyzing rate quotes may now result in a substantially altered list of affordable companies as shown below.

Grange now has the cheapest price in Riverside with Mercury, Progressive, Allstate, and Allied also having competitive pricing. This example illustrates why consumers need to shop around to get the most economical insurance quotes for a Nissan Rogue.

Prices can be determined by many things and can change substantially, so the cheapest company six months ago may now be costing you a lot of money.