Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Lincoln?

Finding economical auto insurance for a Nissan Rogue in Nebraska is pretty straightforward, but it is dependent upon lots of different factors such as annual vehicle mileage, whether you are claim-free, and the deductible amount you use. Drivers in Nebraska will pay on average $957 each year to insure their Rogue, but that price is a valuation calculated based on a 30-year-old married female driver with full coverage and $100 deductibles.

If we were betting, you are not 30 years old and maybe not even female, maybe you are single instead of married, or maybe you have a speeding ticket or two that will increase rates. Having what appears to be a very minor change in the criteria used to calculate rates may result in significant differences in rates.

Everyone has unique insurance needs, and this illustrates why the best way to find the cheapest coverage for your Nissan is to compare rates from as many companies as possible. Price quotes are quick and you will get price quotes from the best auto insurance companies in Nebraska.

Cheapest Nissan Rogue Insurance Rates

Vehicle trim level will likely have an effect on the cost of insurance, so the rate you pay to insure a Rogue S 2WD model will be $82 cheaper than the insurance cost for the more expensive Rogue SL AWD version, as shown in the prices below.

Nissan Rogue Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $250 $456 $346 $20 $104 $1,176 $98
Rogue S AWD $250 $456 $346 $20 $104 $1,176 $98
Rogue SL 2WD $250 $456 $346 $20 $104 $1,176 $98
Rogue SL AWD $250 $538 $346 $20 $104 $1,258 $105
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in specific garaging location which can impact insurance rates significantly.

Deciphering which company has the cheapest car insurance rates for a Nissan Rogue requires more time than just quoting one company’s rates. Every auto insurer uses a different method for determining rates in each state, so let’s take a look at the car insurance companies with the overall best prices in Nebraska.

Keep in mind that Lincoln car insurance rates are calculated based on many things which can significantly increase or decrease the policy premium. Simply having a birthday, having a claim, or having an at-fault accident can produce rate changes that can now make some companies cheaper than others.

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Rankings for the cheapest Nebraska auto insurance companies
Rank Company Cost Per Year
1 Safeco $780
2 The Hartford $873
3 Auto-Owners $905
4 Allied $939
5 Nationwide $1,007
6 Farmers Mutual of Nebraska $1,009
7 Farm Bureau Mutual $1,020
8 State Farm $1,033
9 American National $1,098
10 General Casualty $1,114
11 USAA $1,116
12 American Family $1,284
13 California Casualty $1,309
14 GEICO $1,322
15 MetLife $1,332
16 EMC $1,340
17 Iowa Mutual $1,347
18 Progressive $1,402
19 Farmers $1,634
20 North Star $1,710
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Safeco generally has some of the best car insurance rates in Lincoln at around $780 annually. The Hartford, Auto-Owners, Allied, and Nationwide also make the cut as some of the most economical Lincoln, NE car insurance companies.

As shown in the rates above, if you are currently insured with The Hartford and switched to Safeco, you might see a yearly price reduction of upwards of $93. Drivers with Auto-Owners might save as much as $125 a year, and Allied insureds might cut rates by $159 a year.

To find out how much you can save, click here to get a free quote or click through to the companies below.

Be aware that those estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for a Nissan Rogue. So the auto insurance company that can offer you the best rate may not even be in the top 24 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.

Liability only or full coverage

Saving money on car insurance is probably important to most people, and an effective way to reduce the cost of insurance for a Nissan Rogue is to buy liability only. The illustration below shows the difference between insurance rates with full coverage compared to only the Nebraska minimum liability coverage. The premiums are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for all age groups, comprehensive and collision coverage on your policy costs an extra $1,979 per year over having just liability coverage. Many drivers will wonder when is the right time to remove full coverage. There is no definitive guideline to eliminate full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are a few cases where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

How careless driving impacts Lincoln car insurance rates

The easiest way to maintain cheap car insurance premiums for a Rogue is to pay attention while driving and avoid accidents and traffic violations. The information below demonstrates how traffic citations and fender-benders influence car insurance rates for different age groups of insureds. The costs are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,834. Get written up for one speeding ticket and the average cost surges to $2,106, an increase of $272 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of car insurance for a Nissan Rogue increases to an average of $2,874. That’s an increase of $1,040, or $87 per month, just for not paying attention while driving!

The illustration below illustrates how your choice of deductibles can raise or lower insurance rates when getting quotes for cheap insurance for a Nissan Rogue. The price estimates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

As shown above, a 30-year-old driver could lower their car insurance rates by $276 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $418 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old category, could potentially save $834 or even more by selecting a higher deductible.

If you do make the decision to raise your deductibles, it is important to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.