Nissan Rogue • Compact SUV • Costs and quote comparisons
Nissan Rogue Car Insurance: Costs and Quote Comparisons
Nissan Rogue car insurance generally falls in the typical range for a compact SUV. The Rogue is a mainstream, widely repaired vehicle, so most of the price difference between quotes comes from the driver, the location, and the coverage selected, plus each insurer's own rating formula.
Below we explain how insurers look at the Rogue, what changes with the new Rogue Plug-in Hybrid, and how to compare quotes fairly so the cheapest price is not hiding thinner coverage. Blake Insurance Group is an independent agency that can compare multiple insurance companies for many drivers.
Get a Nissan Rogue insurance quote
Tell us about your Rogue and the drivers in your household, and a licensed agent will follow up. Submitting the form does not bind coverage.
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What affects the cost of insuring a Rogue
There is no single price for Rogue insurance, and published averages often mix very different drivers and coverage levels. Instead of relying on an average, it helps to understand the factors that move your own quote.
Factors tied to the Rogue
- Trim and equipment. Higher trims such as SL and Platinum have larger wheels, more cameras, and more technology, which raise repair and replacement costs compared with an S or SV.
- All-wheel drive. AWD can add slightly to the purchase price and repair cost. Some drivers in snowy states find the traction benefit worth it.
- Driver-assistance sensors. Radar and cameras in the bumpers and windshield can require recalibration after repairs, which raises claim costs.
- Plug-in hybrid components. The Rogue Plug-in Hybrid has a high-voltage battery and charging hardware, and a higher price than most gas Rogues, which can increase collision and comprehensive premiums.
Factors tied to you
- Age, years licensed, and driving record for every household driver.
- Where the Rogue is garaged, including local theft and accident rates.
- Annual mileage and whether you commute.
- Insurance history, including any lapse in coverage.
- Credit-based insurance score in states that allow it.
How to compare Rogue insurance quotes
The most common mistake when comparing quotes is choosing the lowest number without checking what it includes. A quote with state-minimum liability and a $2,000 deductible is not comparable with one offering $100,000/$300,000 limits and a $500 deductible. Use the table below to line up the main items.
| Item to compare | What to look for | Why it matters |
|---|---|---|
| Bodily injury liability | Same per-person and per-accident limits on every quote | This pays others when you cause a crash; low limits can leave you personally responsible |
| Property damage liability | Same limit on every quote | Damage to newer vehicles and property can exceed low limits quickly |
| Uninsured/underinsured motorist | Included, at limits that match your liability | Protects you when the at-fault driver has little or no insurance |
| Collision and comprehensive deductibles | Same deductible amounts | Higher deductibles lower the premium but raise your cost per claim |
| Optional coverages | Rental reimbursement, roadside assistance, glass, gap | Leaving these off one quote makes it look cheaper than it is |
| Discounts applied | Which discounts each insurer assumed | A discount you do not qualify for can be removed later, raising the price |
Once the quotes match, look beyond price at how each insurer handles claims, whether it uses telematics that could affect future rates, and how easy it is to reach someone when you need help. Our car insurance comparison page explains more about comparing auto policies.
Insuring the Rogue Plug-in Hybrid
The Rogue Plug-in Hybrid pairs a 2.4-liter gas engine with electric motors and a battery that can be charged at home. For insurance, it is still a personal auto, but a few points deserve attention:
- Vehicle value. Plug-in hybrids typically cost more than comparable gas models, so collision and comprehensive premiums may be higher.
- Battery damage. Even moderate damage near the battery can lead to an expensive repair or a total loss. Ask how your insurer handles battery inspection after a crash.
- Home charging equipment. A wall charger installed at your home is generally considered part of the home, not the car. Check with your homeowners insurer, and ask your auto insurer whether it offers any coverage for portable charging cables.
- Gap coverage. If you finance a new plug-in hybrid with a small down payment, the loan balance may exceed the car's value early on. Gap coverage pays that difference after a total loss.
Recommended coverage for most Rogue owners
Every driver's situation is different, but these guidelines fit many Rogue owners:
- Liability above state minimums. A family SUV often carries passengers and is driven in heavy traffic. Higher limits cost relatively little for the protection they add.
- Uninsured and underinsured motorist coverage at limits matching your liability, where available.
- Collision and comprehensive on any Rogue that is financed, leased, or worth more than you could comfortably replace. Learn more in our comprehensive vs. collision coverage guide.
- Rental reimbursement if the Rogue is your household's main vehicle.
- Roadside assistance if you do not already have it through another source.
If you are unsure how much the car is worth compared with the cost of physical damage coverage, our auto insurance calculator can help you test scenarios before you talk with an agent.
New versus used Rogue insurance
The Rogue has been one of Nissan's best-selling models for years, so many shoppers compare a new Rogue with a used one. Insurance can look quite different between them.
Insuring a new Rogue
A new Rogue has the highest replacement cost it will ever have, so collision and comprehensive make up a large share of the premium. If you finance it, the lender will require both, and a small down payment can leave you owing more than the car is worth in the first years. Gap coverage, offered by many insurers and lenders, pays that difference after a total loss. Compare the price of gap through your insurer with the price at the dealership, because they can differ widely.
Insuring a used Rogue
A used Rogue costs less to replace, which usually lowers physical damage premiums. Before buying, check the model year: second-generation Rogues sold from 2014 to 2020 have different equipment from the current model, and the smaller Rogue Sport is a separate model that was sold through 2022. Make sure your quote uses the exact VIN so the insurer rates the right vehicle. Also check for open recalls on NHTSA's recall lookup, since unrepaired safety defects affect safety even if they do not change your premium.
Insuring a Rogue for a young driver
The Rogue is a common family vehicle that teens end up driving. Adding a newly licensed driver will raise the premium substantially no matter which car they use. Ask about good student discounts, driver training credits, and telematics programs, and consider assigning the teen to the household's lower-value vehicle if the insurer allows it. Our guide to insurance for a new driver covers more ways to manage that cost.
What you need for a Rogue insurance quote
These details help us quote the right Rogue version and match your current coverage.
- VIN, model year, and trim. This identifies gas versus plug-in hybrid, front-wheel versus all-wheel drive, and the safety equipment on the vehicle.
- Every driver in the household. Names, dates of birth, license numbers, and driving history for anyone who will use the Rogue.
- Your current declarations page. We use it to match limits and deductibles so the comparison is fair.
- Garaging and use. The overnight address, commute distance, annual mileage, and any rideshare or business use.
- Loan or lease paperwork. Lender name and any coverage requirements, such as a maximum deductible.
Nissan Rogue insurance FAQs
How much does Nissan Rogue insurance cost?
There is no single answer. Your price depends mainly on your age, driving record, location, mileage, and coverage choices, and insurers can quote the same driver very differently. Compare matching quotes from several companies.
Is a Rogue cheaper to insure than other compact SUVs?
Mainstream compact SUVs tend to fall in a similar range. Trim, equipment, and each insurer's claim data can make one model cheaper than another for a given driver.
Does the Rogue Plug-in Hybrid cost more to insure?
It may, because it typically costs more to buy and has a high-voltage battery that is expensive to repair. Quote both versions if you are deciding.
Does all-wheel drive raise Rogue insurance?
It can slightly, mainly through a higher vehicle value. The difference is often small compared with driver and location factors.
What coverage do I need on a leased Rogue?
Leases require collision and comprehensive and often set minimum liability limits and a maximum deductible. Check your lease agreement and ask about gap coverage if it is not already included.
Is a Rogue Sport insured the same as a Rogue?
No. The Rogue Sport is a smaller, separate model with its own VIN pattern and claim history, so insurers rate it independently. Always quote using the exact VIN so the price matches your vehicle.
Related vehicle insurance guides
These guides cover closely related vehicles and situations:
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments and your state.
Trademarks. Nissan and Rogue and the insurance company names and logos shown in the image on this page are trademarks of their respective owners and are used for identification only. Blake Insurance Group is not affiliated with or endorsed by any vehicle manufacturer, and the logos do not mean we represent, partner with, or are endorsed by those insurance companies.
Independent comparison. Vehicle details on this page come from manufacturer and public safety sources and can change by model year and trim. Our explanations of how those details may affect insurance are general and are not a quote. Premiums, discounts, and eligibility vary by insurer, state, driver, vehicle, and coverage, and are subject to underwriting. The issued policy controls.
Your next step
Collect your Rogue's VIN, your current policy, and driver details. Then request a quote and compare matching coverage from several insurance companies before you decide.
