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

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Nissan Rogue insurance
Nissan Rogue insurance image courtesy of QuoteInspector.com

Finding competitive insurance for a Nissan Rogue in Wisconsin is fairly simple, but it depends on a fairly complex equation with a lot of factors such as your age, your claims history, and your driving record. Drivers pay approximately $706 a year for Rogue insurance, but that figure is an approximation using a 40-year-old single female driver with full physical damage coverage and $500 deductibles.

More likely than not, you are not 40 and maybe not even a female, maybe you are married instead of single, or maybe you just want different deductibles. Having what appears to be a very minor change in the criteria used to calculate rates can result in a large change in the price of coverage.

Not every driver requires the same auto insurance coverages, so the way we recommend to find the cheapest rates for your Nissan is to do a thorough rate comparison.

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The specific trim level can impact the cost of insurance, so the price to insure a Rogue S 2WD trim level will be $50 less than the insurance cost for the fancier Rogue SL AWD model, as shown in the prices below.

Nissan Rogue Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $138 $272 $338 $20 $102 $870 $73
Rogue S AWD $138 $272 $338 $20 $102 $870 $73
Rogue SL 2WD $138 $272 $338 $20 $102 $870 $73
Rogue SL AWD $138 $322 $338 $20 $102 $920 $77
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in your specific Madison location which can modify premium rates greatly.

Auto insurance companies ranked

Buying coverage from the best insurance provider is hard considering how many choices you have in Madison. The ranking data shown below may help you select which car insurance providers to look at comparing prices from.

These ratings are only made up of companies with a nationwide focus, so smaller companies are not included in this list. If you wish to compare prices from these and other companies in Wisconsin, simply click here.

Top 10 Major Auto Insurance Providers Overall in Madison

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top 10 Major Auto Insurance Providers in Madison Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Erie Insurance
  10. The Hartford

Impact of speeding/accidents on Madison auto insurance rates

The obvious way to maintain affordable auto insurance premiums in Wisconsin for a Rogue is to be a good driver and not have accidents or get tickets. The example below demonstrates how traffic citations and at-fault fender-benders can impact car insurance costs for different age groups. The data is based on a married male driver, full coverage, $100 deductibles, and no other discounts are factored in.

In the previous chart, the average cost of car insurance in Wisconsin per year with a clean driving record and no accidents is $1,413. Get written up for one speeding ticket and the average cost jumps to $1,621, an increase of $208 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Nissan Rogue jumps again to an average of $3,418. That's an increase of $2,005, or $167 per month, just for not driving carefully!

Here's why you should compare rates often

Wisconsin auto insurance rates are impacted by many things which can significantly increase or decrease the cost of a policy. Improving your credit score, moving across town, or getting a couple of tickets may generate price changes that can make some companies cheaper in comparison to the competition. In addition to those changes, car insurance companies change the rates they charge in Wisconsin as needed to reflect underwriting profits or losses. An extended period of higher than normal claims can cause price increases, while a profitable period may produce lower-priced Rogue insurance rates.

To illustrate this example, the chart below shows rates for the cheapest car insurance in Madison, WI for a 45-year-old male driver with no violations or accidents, and good financial standing. Based on his current rating profile, USAA offers the most affordable car insurance rates in Madison at $659 each year. This is $502 less than the average rate paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Pekin Insurance, and Rockford Mutual round out the rest of the top five cheapest Madison, WI auto insurance companies.

The next chart shows rates after we give the driver from the first rate comparison a claim, poor credit, and an imperfect driving record. Since each auto insurer has a unique approach for establishing rates, comparing rates may now result in a significantly different list of the cheapest Madison car insurance companies as shown below.

Western National now has the best auto insurance rate in Madison, WI with Rural Mutual Insurance, Integrity Mutual, Travelers, and Partners Mutual completing the list. This example proves why it is critical to compare many different companies to find the lowest car insurance quotes for a Nissan Rogue. Insurance prices are determined by many factors and can decrease or increase without notice, so the cheapest company when you bought your policy may now be priced much higher than other options.

If you aren't sure which coverage you need and prefer to have professional advice when shopping for cheaper insurance for a Nissan Rogue, the professional agents shown below can probably provide answers to your questions and help you determine which car insurance policy is best. To locate a Madison car insurance agency using an interactive map, click the button at the bottom or click here to compare price quotes.

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