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Nissan Rogue Car Insurance: How Much It Costs and How to Save
The Nissan Rogue is one of the best selling compact SUVs in the United States, and for good reason. It offers a comfortable ride, solid safety ratings, decent fuel economy, and a price that fits most family budgets. But before you buy one, or if you already own one, you need to know what it costs to insure.
The good news is that the Nissan Rogue costs less to insure than the average vehicle. Full coverage averages $141 to $193 per month depending on the source, your profile, and your model year. That is roughly 5% to 8% below the national average for all vehicles. The Rogue’s strong safety ratings, moderate repair costs, and lower than average theft rate all work in your favor.
This guide breaks down exactly what you can expect to pay to insure a Nissan Rogue in 2026, including detailed comparisons by trim level, model year, driver age, and state. We also cover the specific factors that influence your Rogue’s insurance rate and eight proven strategies to bring your premium down.
How Much Does Nissan Rogue Car Insurance Cost?
Insurance costs vary significantly depending on your coverage level. Here is what the average Rogue owner pays in 2026:
| Coverage Level | Avg. Annual Cost | Avg. Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100, $500 deductible) | $2,013 to $2,573 | $167 to $214 |
| Liability Only (State Minimum) | $841 to $1,032 | $70 to $86 |
| National Average (All Vehicles, Full Coverage) | $2,497 to $2,697 | $208 to $225 |
The Rogue consistently comes in below the national average for full coverage, saving owners roughly $300 to $650 per year compared to the average vehicle. State Farm, GEICO, and Progressive typically offer the cheapest rates for Rogue owners, though the best carrier for you depends on your specific profile and location.
Insurance Cost by Trim Level (2025 Nissan Rogue)
The trim you choose directly affects your insurance rate because higher trims have more expensive equipment, higher replacement values, and more technology that costs more to repair. Here is how the 2025 Rogue trims compare:
| Trim | Starting MSRP | Avg. Annual Insurance | Avg. Monthly | Notes |
|---|---|---|---|---|
| S FWD | $28,420 | $1,850 to $2,100 | $154 to $175 | Cheapest to insure |
| S AWD | $29,870 | $1,920 to $2,180 | $160 to $182 | AWD adds modest cost |
| SV FWD/AWD | $30,270 to $31,720 | $2,000 to $2,300 | $167 to $192 | Popular mid level trim |
| SL AWD | $35,470 | $2,200 to $2,500 | $183 to $208 | Premium features increase rate |
| Platinum AWD | $38,470 | $2,400 to $2,880 | $200 to $240 | Most expensive Rogue to insure |
| Rock Creek AWD | $35,020 | $2,150 to $2,450 | $179 to $204 | Off road styling, moderate rate |
The difference between the cheapest trim (S FWD) and the most expensive (Platinum AWD) can be $550 to $780 per year in insurance alone. If insurance cost is a significant factor in your budget, the S or SV trim offers the best balance of features and affordability.
Insurance Cost by Model Year
Older Rogues cost less to insure because their market value is lower, which reduces collision and comprehensive premiums. Here is how model years compare:
| Model Year | Avg. Monthly (Full Coverage) | Avg. Monthly (Liability Only) | Key Notes |
|---|---|---|---|
| 2025 | $193 to $234 | $82 to $95 | Current model. Highest value, highest rate. |
| 2023 to 2024 | $167 to $210 | $75 to $88 | Slightly lower value. Strong savings. |
| 2021 to 2022 | $145 to $190 | $68 to $80 | Redesigned generation. Still modern features. |
| 2018 to 2020 | $120 to $165 | $60 to $75 | Previous generation. Good value sweet spot. |
| 2015 to 2017 | $95 to $140 | $50 to $65 | Older models. Cheapest to insure. May not need collision. |
A 2025 Rogue costs roughly $65 more per month to insure than a 2018 model. Over a year, that is $780 in savings just from choosing an older model year. For budget conscious drivers, a 2018 to 2020 Rogue offers modern safety features at a significantly lower insurance cost.
Insurance Cost by Driver Age
Your age is one of the biggest factors in your Rogue’s insurance cost. Younger and older drivers pay more:
| Driver Age | 18 | 25 | 35 | 50 | 65+ |
|---|---|---|---|---|---|
| Avg. Annual (Full Coverage) | $7,188 to $8,564 | $2,500 to $2,900 | $1,850 to $2,200 | $1,750 to $2,050 | $1,900 to $2,300 |
| Avg. Monthly | $599 to $714 | $208 to $242 | $154 to $183 | $146 to $171 | $158 to $192 |
Drivers in their 40s and 50s enjoy the lowest insurance rates for the Rogue. An 18 year old pays roughly four times more than a 50 year old for the same vehicle and coverage level. If you are a parent adding a teen driver, expect your household premium to increase by $4,000 to $5,000 per year.
Why the Nissan Rogue Is Relatively Cheap to Insure
Several factors work in the Rogue’s favor when it comes to insurance pricing:
- Strong safety ratings. The Nissan Rogue earned a 5 star overall safety rating from NHTSA and has been an IIHS Top Safety Pick. It comes standard with Nissan Safety Shield 360, which includes automatic emergency braking, blind spot warning, rear cross traffic alert, lane departure warning, high beam assist, and rear automatic braking. Vehicles with comprehensive safety suites generate fewer claims.
- Moderate repair costs. According to RepairPal, the annual average repair cost for a Nissan Rogue is approximately $712, which ranks 11th most affordable among Nissan’s 26 models. Lower average repair bills mean lower collision and comprehensive premiums.
- Lower than average theft rate. The Nissan Rogue does not appear on the National Insurance Crime Bureau’s list of most stolen vehicles. Vehicles with lower theft frequency have lower comprehensive insurance costs.
- Moderate sticker price. Starting at $28,420 for the 2025 model, the Rogue sits in the middle of the compact SUV pricing spectrum. It is less expensive to replace than competitors like the Toyota RAV4 Prime or Honda CR-V Hybrid, which keeps collision premiums lower.
- High sales volume. The Rogue is among the 10 best selling vehicles in America. High volume vehicles have well established parts supply chains, which keeps repair costs predictable and affordable for insurers.
Nissan Rogue Insurance Cost by State
Where you live has a massive impact on your insurance rate. The same Rogue with the same driver can cost twice as much to insure in one state compared to another:
- Wyoming: Among the cheapest states. Minimum coverage for a Rogue can cost as little as $31 per month. Full coverage runs $100 to $140 per month.
- Ohio, Idaho, Vermont: Affordable markets. Full coverage typically costs $120 to $160 per month for the Rogue.
- Texas: Moderate pricing. Expect $160 to $200 per month for full coverage. Texas has a competitive market that rewards quote comparison.
- California: Higher than average rates. Los Angeles metro area can push Rogue insurance above $300 per month due to congestion, theft risk, and high repair labor costs. Rural California is significantly cheaper.
- Florida: Expensive due to fraud, litigation, and mandatory PIP. Full coverage for a Rogue in Florida often exceeds $250 per month.
- Louisiana: The most expensive state for Rogue insurance. Minimum coverage alone averages $166 per month. Full coverage can reach $350 or more.
- Michigan: No fault rules and mandatory PIP make this one of the costliest states. Full coverage for a Rogue can exceed $300 per month.
- North Carolina: Among the cheapest. Full coverage rates for the Rogue are well below the national average.
Cheapest Insurance Companies for the Nissan Rogue
| Company | Avg. Monthly (Full Coverage) | Avg. Monthly (Liability Only) | Key Notes |
|---|---|---|---|
| GEICO | $127 | $59 | Cheapest for Rogue owners nationwide. Strong online tools. |
| State Farm | $140 to $160 | $65 to $75 | Low rates with agent support. Drive Safe and Save telematics. |
| Progressive | $132 to $165 | $60 to $72 | Cheapest for Rogue per The Zebra data. Snapshot rewards safe driving. |
| Nationwide | $145 to $175 | $68 to $80 | SmartMiles pay per mile ideal for low mileage Rogue owners. |
| Travelers | $138 to $170 | $62 to $78 | Competitive pricing. Not available in all states. |
| USAA (military only) | $110 to $140 | $50 to $65 | Cheapest overall for eligible military families. |
The difference between the cheapest and most expensive carrier for the same Rogue can exceed $180 per month (over $2,160 per year). Always compare at least four quotes before choosing a carrier.
What Coverage Should You Carry on a Nissan Rogue?
The right coverage depends on your Rogue’s age and value, whether you have a loan, and how much you can afford out of pocket if something happens:
- New or financed Rogue (2022 to 2025): Full coverage is required by your lender. Carry at least 100/300/100 liability, comprehensive and collision with a $500 to $1,000 deductible, and gap insurance if you owe more than the car is worth.
- Older Rogue you own outright (2018 to 2021): Consider keeping full coverage if the vehicle is worth more than $8,000. If it is worth less than $5,000, you may save money by dropping collision and keeping liability, comprehensive, uninsured motorist, and medical payments.
- Much older Rogue (2015 to 2017): Liability only may be sufficient if the vehicle’s value is low. Add comprehensive if you live in an area with hail, flooding, or theft risk. Keep uninsured motorist coverage regardless of vehicle age.
8 Ways to Save Money on Nissan Rogue Insurance
- Compare quotes from at least four carriers. Rate differences of 40% or more are common. GEICO and Progressive consistently offer the cheapest Rogue rates, but the best deal depends on your location and profile.
- Bundle auto with home or renters insurance. Multi policy discounts of 10% to 25% apply regardless of vehicle type and are one of the easiest savings to claim.
- Increase your deductible. Moving from $500 to $1,000 on collision and comprehensive can save 15% to 25% per year. Only choose a deductible you can cover out of pocket.
- Ask about Nissan Safety Shield 360 discounts. The Rogue’s standard suite of safety technology qualifies for discounts with many carriers. Make sure your insurer is applying them.
- Enroll in a telematics or pay per mile program. If you drive fewer than 10,000 miles per year, programs like Progressive Snapshot, State Farm Drive Safe and Save, or Nationwide SmartMiles can reduce your rate by 15% to 40%.
- Maintain a clean driving record. A single at fault accident can raise your Rogue insurance by 30% to 56%. Three to five years of clean driving earns the best safe driver discounts.
- Take advantage of the good student discount if you have a teen on the policy. A B average or higher can save $200 to $600 per year on the teen’s portion of the premium.
- Review your coverage annually. As your Rogue ages and depreciates, reassess whether collision coverage is still worth the premium. If the annual cost of collision exceeds 10% of your car’s current value, the math may not work in your favor.
How the Rogue Compares to Other Compact SUVs for Insurance
| Vehicle | Avg. Annual Insurance (Full Coverage) | Avg. Monthly | Compared to Rogue |
|---|---|---|---|
| Nissan Rogue | $2,013 to $2,314 | $167 to $193 | Baseline |
| Subaru Forester | $1,514 to $2,013 | $126 to $168 | $200 to $500 cheaper per year |
| Toyota RAV4 | $1,548 to $2,212 | $129 to $184 | Similar cost. RAV4 Prime is pricier. |
| Honda CR-V | $1,800 to $2,200 | $150 to $183 | Slightly cheaper on average |
| Hyundai Tucson | $2,100 to $2,500 | $175 to $208 | Slightly more expensive |
| Mazda CX-5 | $1,850 to $2,200 | $154 to $183 | Similar or slightly cheaper |
The Rogue sits in the middle of its competitive set for insurance cost. The Subaru Forester is the cheapest compact SUV to insure overall, while the Hyundai Tucson tends to be slightly more expensive. The Rogue’s insurance cost is comparable to the RAV4 and Honda CR-V.
Frequently Asked Questions About Nissan Rogue Insurance
The average cost of full coverage insurance for a Nissan Rogue is $167 to $214 per month, or $2,013 to $2,573 per year, depending on your profile and model year. Liability only coverage costs $70 to $86 per month on average. The Rogue costs roughly 5% to 8% less to insure than the average vehicle.
No. The Nissan Rogue is one of the more affordable compact SUVs to insure. Its 5 star NHTSA safety rating, standard Nissan Safety Shield 360 technology, moderate repair costs ($712 per year average), and low theft rate all contribute to below average insurance premiums.
GEICO consistently offers the lowest rates for Nissan Rogue owners, averaging $127 per month for full coverage. Progressive is also competitive at $132 per month. USAA is the cheapest option for eligible military families at $110 to $140 per month. The best rate for you depends on your state, driving record, and credit score, so comparing at least four quotes is essential.
Yes, significantly. The base S FWD trim costs approximately $1,850 to $2,100 per year to insure, while the Platinum AWD trim costs $2,400 to $2,880. That is a difference of up to $780 per year. Higher trims have more expensive equipment and higher replacement values, which increases collision and comprehensive premiums.
Yes. A 2018 Rogue costs roughly $65 less per month ($780 per year) to insure than a 2025 model. Older vehicles have lower market values, which reduces the cost of collision and comprehensive coverage. If your Rogue is worth less than $5,000, you may save money by dropping collision coverage and carrying only liability, comprehensive, and uninsured motorist coverage.
The Rogue and RAV4 are very close in insurance cost for their base and mid level trims. The RAV4 Hybrid and Prime trims are more expensive to insure than any Rogue trim due to their higher values and more complex powertrains. On average across all trims, the Rogue and RAV4 are within $50 to $100 per year of each other. For a more detailed comparison, see our Subaru Forester vs Toyota RAV4 insurance guide.
Get the Best Rate on Your Nissan Rogue
Whether you just bought a new Rogue or have been driving one for years, you could be paying more than you need to for insurance. The right carrier, the right discounts, and the right coverage level can save you hundreds per year.
At AtoZInsuranceUSA, we compare rates from multiple carriers to find the best price for your specific Nissan Rogue. Tell us your model year, trim, and driving profile, and we will show you options in minutes.
Get a free quote today and see how much you can save on your Rogue insurance.