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

Finding cheap auto insurance for a Nissan Rogue is fairly easy, but it relies on a whole bunch of rating criteria such as whether you own a home, the likelihood of your vehicle being stolen, and your policy deductibles. Oklahoma drivers will pay on average $1,442 per year to insure their Rogue, but that amount is a projection based on a 30-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.

The problem with using this number is the good chance you aren’t exactly 30 years old or even a male, single instead of married, and you might want liability-only or different deductibles. Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap auto insurance rates for your Nissan is to compare as many rates as possible.

Compare Nissan Rogue Insurance Rates

The trim level of your vehicle will likely have an effect on the cost of coverage, so the price you will be charged to insure a Rogue S 2WD will cost $124 less than the cost to insure the high end Rogue SL AWD trim level, as shown in the table below.

Nissan Rogue Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $386 $698 $506 $30 $152 $1,772 $148
Rogue S AWD $386 $698 $506 $30 $152 $1,772 $148
Rogue SL 2WD $386 $698 $506 $30 $152 $1,772 $148
Rogue SL AWD $386 $822 $506 $30 $152 $1,896 $158
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can lower or raise coverage rates greatly.

Finding out which companies have the cheapest car insurance rates for a Nissan Rogue involves a little more effort in order to find the lowest price.

Each insurer has their own unique process for establishing rates, so let’s rank the most competitive car insurance companies in Oklahoma. It’s important to understand that Tulsa car insurance rates are determined by lots of factors that control the policy premium. Simply turning a year older, having a teenage driver, or getting a ticket for running a stop sign may prompt premium changes that can make some companies much cheaper than others.

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Oklahoma auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,185
2 Oklahoma Farmers Union $1,190
3 Safe Auto $1,363
4 The Hartford $1,373
5 GEICO $1,381
6 Farmers $1,422
7 State Farm $1,583
8 Liberty Mutual $1,852
9 Travelers $1,906
10 Mercury $1,973
11 OK Farm Bureau $2,018
12 Home State $2,193
13 Shelter $2,194
14 Progressive $2,223
15 MetLife $2,235
16 Allstate $2,400
17 Safeco $5,158
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USAA has some of the most affordable car insurance rates in Tulsa at around $1,185 each year. Oklahoma Farmers Union, Safe Auto, The Hartford, and GEICO would also make the list of some of the best Tulsa, OK insurance companies.

In the rate table above, if you have coverage with The Hartford and switched to Oklahoma Farmers Union, you may realize annual savings of roughly $183. Insureds with GEICO could save as much as $191 a year, and Farmers insureds might lower prices by $232 a year.

Be aware that those prices are averages across all drivers and vehicles and do not factor in a vehicle location for a Nissan Rogue. So the company that can offer the best rates for your situation may not even be in the list above. That underscores the importance of why you need to get rate quotes using your own individual information.

Liability only or full coverage

Finding cheaper car insurance is probably important to most people, and one easy way to find cheaper insurance for a Nissan Rogue is to not pay for full coverage. The example below visualizes the comparison of car insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims or violations, $1,000 deductibles, single status, and no discounts are taken into consideration.

If the expense is averaged for all age categories, full coverage costs $2,383 per year over and above liability only. That is a large expense and it proposes the question if buying full coverage is worth the money. There is no definitive formula to stop paying for full coverage, but there is a general convention. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

There are some cases where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Irresponsible driving raises your rates

The recommended way to snag affordable car insurance prices in Tulsa for a Rogue is to drive cautiously and avoid accidents and violations. The illustration below illustrates how speeding tickets and at-fault fender-benders impact yearly insurance costs for different insured age categories. The price estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

In the chart above, the average cost of car insurance in Tulsa per year with a clean driving record and no accidents is $2,802. Add in two speeding tickets and the average cost jumps to $3,759, an increase of $956 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 goes up to an average of $4,721. That’s an increase of $1,918, or $160 per month, just for a couple of infractions!

If you wish to have some professional guidance when shopping for cheaper insurance for a Rogue, the agents listed below are a good start to help you make a decision which insurance coverage will be best for you. To find an auto insurance agency in your neighborhood, click the button link following the list or click here to compare rates now.

View more Tulsa, OK insurance agencies

How to find cheaper car insurance for a Nissan Rogue

Here are a few money-saving solutions that can help Tulsa drivers locate cheaper coverage.

The last tip is extremely important, as we discussed in this write-up. Coverage prices vary considerably, so don’t be unwilling to switch to a new company if a cheaper price is available.

Being loyal to a particular company is commendable, but it’s not a great idea if that inflexibility results in costing you a small fortune. In less than five minutes you could shop around to find cheaper car insurance for a Nissan Rogue in Tulsa.