Who Has Affordable Car Insurance Rates for a Nissan Rogue in Oakland?

Buying the best cheap car insurance for a Nissan Rogue in California relies on an enormous amount of rating factors such as how safe your vehicle is, if you have recent claims, and the deductible amount you use. California drivers pay on average $1,205 each year for Rogue insurance, but that figure is an estimation based upon a 30-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.

But there is a high probability that you are not 30 and maybe not even a male, you might be married instead of single, and you might want liability-only or different deductibles. Just a slight change in the rating criteria used to formulate rates can result in a large change in the cost of insurance for a Nissan Rogue.

The different assumptions illustrate why the way we recommend to find cheap insurance prices for your Nissan is to compare rates from as many companies as possible. In just a couple of minutes you will get price quotes from top-rated companies available.

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The trim level of your vehicle tends to have a direct impact on the annual cost of coverage, so the rate you pay to insure a Rogue S 2WD will be $64 cheaper than the insurance cost for the more well-appointed Rogue SL AWD version, as shown in the table below.

Nissan Rogue Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $240 $362 $654 $38 $196 $1,490 $124
Rogue S AWD $240 $362 $654 $38 $196 $1,490 $124
Rogue SL 2WD $240 $362 $654 $38 $196 $1,490 $124
Rogue SL AWD $240 $426 $654 $38 $196 $1,554 $130
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can affect coverage rates noticeably.

Deciphering which insurers offer the cheapest auto insurance rates for a Nissan Rogue will involve a bit more effort than just getting one or two price quotes.

Each insurer uses their own calculation to set premium rates, so we’ll take a look at the most budget-friendly auto insurance companies in California.

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,181
3 Century National $1,190
4 CSAA $1,198
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,491
8 Progressive $1,512
9 Mercury $1,533
10 GEICO $1,559
11 Allstate $1,559
12 Allied $1,588
13 MetLife $1,590
14 The Hartford $1,591
15 Unitrin $1,699
16 Esurance $1,705
17 State Farm $1,733
18 Bristol West $1,831
19 Travelers $1,860
20 Farmers $1,966
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USAA normally has some of the most affordable car insurance rates in Oakland at around $1,143 a year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the most economical Oakland, CA insurance companies.

As depicted above, if you are a policyholder with CSAA and switched to Wawanesa, you might see yearly savings of roughly $17. Insureds with Nationwide could save as much as $69 a year, and 21st Century policyholders might cut rates by $157 a year.

It’s important to note that these prices are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a specific vehicle garaging location for a Nissan Rogue. So the auto insurance company that is best for you may not even be in the top 24 companies shown above. That is why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

The chart below demonstrates how deductible levels can change insurance premiums when researching cheap insurance for a Nissan Rogue. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $436 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $656 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old example, could drop their prices up to $1,432 or more just by using higher deductibles.

When choosing a higher deductible, it will be important to have enough savings to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Here’s why you should compare rates often

Oakland auto insurance rates are calculated based on many things that can increase the cost of your policy. Simply having another birthday, increasing liability limits, or getting a few speeding tickets may generate price changes resulting in some rates now being much cheaper than others. Not only may your risk profile change, but car insurance companies change prices without warning to reflect underwriting profits or losses. An extended period of higher than normal claims can result in rate increases, while profitable underwriting can result in lower-cost Rogue insurance rates.

To illustrate this point, the graph below shows rates for the cheapest car insurance in Oakland, CA for a 30-year-old female driver with a good driving record, no prior claims, and good credit. If we compare prices based on her personal risk profile, USAA may have the most affordable car insurance rates in Oakland at $1,546 a year. This is $105 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the top five cheapest Oakland, CA auto insurance companies.

The example below compares rates after we give the driver from the above example a chargeable claim, poor credit, and a speeding citation. Since every insurance provider uses their own formula to set premium rates, comparing rates will most likely result in a significantly different list of affordable companies as shown below.

Grange now has the best car insurance rate in Oakland with Allstate, Mercury, Progressive, and GEICO now being in the top five. This shows why consumers need to take the time to compare lots of rates to get the most economical insurance rates for a Nissan Rogue. Insurance rates are determined by many things and can decrease or increase without notice, so the lowest-price company six months ago may now be wasting a lot of money.