Buying competitive auto insurance for a Nissan Rogue in Virginia can be pretty simple, but it relies on lots of different rating factors such as how you use your Rogue, the condition of your credit, and your driving record. Virginia drivers pay around $836 annually to insure their Rogue, but that amount is based upon a 50-year-old single female driver with full physical damage coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you aren't exactly 50 years old or even a female, you might be married instead of single, or maybe you live in a different area as the quoted rates. Auto insurance is not the same for everyone, so the best way to find the cheapest insurance price for your Nissan is to compare as many rates as you can. Quotes are free and you will receive rate quotes from some of the best insurers in Virginia.

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The trim level of your vehicle will have an impact the cost of coverage, so the price you pay to insure a Rogue S 2WD trim level will be $70 cheaper than the price to insure the more expensive Rogue SL AWD trim level, as shown in the prices below.

Nissan Rogue Insurance Rates in Virginia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $190 $392 $328 $20 $98 $1,028 $86
Rogue S AWD $190 $392 $328 $20 $98 $1,028 $86
Rogue SL 2WD $190 $392 $328 $20 $98 $1,028 $86
Rogue SL AWD $190 $462 $328 $20 $98 $1,098 $92
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific zip code location which can influence price quotes greatly.

Figuring out which company quotes the best car insurance rates for a Nissan Rogue in Virginia involves a bit more effort in order to find the most economical policy. Every car insurance company has their own unique process for setting prices, so let's take a look at the car insurance companies with the most affordable rates in Virginia.

It's important to understand that Virginia car insurance rates are based on many factors that can increase the cost of having a policy. Getting older, marrying your spouse, or getting a driving violation can trigger changes in premium that may make certain companies more affordable than competitors.

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Cheapest insurance companies in Virginia
Rank Company Cost Per Year
1 Travelers $659
2 USAA $716
3 Penn National $718
4 Cincinnati Insurance $741
5 Auto-Owners $765
6 Utica National $765
7 Erie $780
8 The Hartford $801
9 Virginia Farm Bureau $826
10 Donegal Mutual $886
11 Nationwide $953
12 ALFA $998
13 GEICO $1,006
14 Allied $1,012
15 National Grange Mutual $1,060
16 State Farm $1,110
17 Chubb $1,112
18 Progressive $1,209
19 Electric $1,228
20 Amica $1,267
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Travelers has some of the best car insurance rates in Virginia at around $659 a year. This is $499 less than the average premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also make the cut as some of the cheaper Virginia auto insurance companies.

As depicted above, if you buy coverage from USAA and switched to Travelers, you might see a yearly price reduction of roughly $57. Drivers with Penn National might save as much as $59 a year, and Cincinnati Insurance customers might reduce rates by $82 a year.

If you want to find out if you're overpaying, click here to start your custom quote or click several companies below for low rates.

Remember that these premium estimates are averaged across all insureds and vehicles and and are not calculated with a specific rate value for a Nissan Rogue. So the car insurance company that can offer you the best rate may not even be in the top 30 companies shown above. That illustrates why you need to get rate quotes from many companies using your own specific driver information and vehicle.

Comparison of full coverage and liability-only policies

Finding cheaper car insurance is important to the majority of people, and one of the quickest ways to save on the cost of insurance for a Nissan Rogue in Virginia is to only pay for liability coverage. The illustration below shows the difference between insurance rates when comparing full coverage to liability only. The premium estimates are based on no claims or violations, $250 deductibles, single marital status, and no discounts are factored in.

Averaged for all age groups, physical damage insurance costs an additional $1,702 per year over having just liability coverage. Many drivers will wonder if paying for full coverage is a waste of money. There is no clear-cut formula for eliminating full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

There are some situations where removing full coverage is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Why you are probably overpaying for Rogue insurance

Virginia car insurance rates are impacted by many things which can significantly increase or decrease the cost of having a policy. Getting older, becoming a homeowner, or getting caught speeding may generate price changes that may make certain companies cheaper than competitors.

Additionally, companies change rates as needed as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity can cause higher prices, while a profitable period may produce more affordable Rogue insurance rates.

To help illustrate this point, the graph below shows which company has the cheapest car insurance in Virginia for a 45-year-old male driver with a clean driving record, no accidents, and a good credit rating. When quoting prices based on his personal profile, Travelers might offer the most affordable car insurance rates in Virginia at $673 a year. This is $485 less than the average price paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Utica National are the remaining most affordable Virginia auto insurance companies.

In this example, we will give the driver from the first rate comparison an accident claim, a lower credit rating, and a few traffic violations. Since each auto insurer has their own process for setting rates, analyzing rates may result in a slightly different list of companies as shown below.

Auto-Owners now has the lowest car insurance rate in Virginia with Erie, Virginia Farm Bureau, Donegal Mutual, and Nationwide now being in the top five. This illustrates why it is so important to compare many different companies to find the most affordable insurance quotes for a Nissan Rogue. Auto insurance prices are impacted by many factors and can decrease or increase without notice, so the most economical option when you last compared rates may now be one of the higher cost companies.

How to find cheaper insurance for a Nissan Rogue in Virginia

It is possible to find better rates, and here are some thrifty ideas that can help drivers quote low-cost car insurance.

The final tip is very valuable, as we emphasized in the prior information. Prices charged by car insurance companies can be adjusted at any time, so drivers shouldn't hesitate to change insurance companies if you can find a cheaper rate. We understand brand loyalty, but is isn't recommended if that faithfulness ends up costing you money that could be going to better use. Take a couple minutes and shop around to find cheaper car insurance for a Nissan Rogue.