Who Has the Cheapest Car Insurance for a Nissan Rogue in Omaha?

Buying the cheapest insurance for a Nissan Rogue in Nebraska is dependent upon a complicated formula that considers factors such as whether you are a homeower, the size of your vehicle, and any prior driving offenses. Drivers pay approximately $670 per year to insure their Rogue, but that is an approximation based upon a 40-year-old married male driver with full physical damage coverage and $1,000 deductibles.

Most likely you’re not a 40-year-old male, possibly single instead of married, or maybe your Rogue is old enough that it doesn’t require full coverage. Every driver’s needs are different, and that is why the only way to find affordable rates for your Nissan is to put in the effort to do a thorough rate comparison. Comparing quotes is easy and you will receive prices from the cheapest companies in Nebraska.

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Your vehicle’s trim level will be a contributing factor to the insurance rate, so the price to insure a Rogue S 2WD model will be $40 cheaper than the cost to insure the higher-priced Rogue SL AWD model, as shown in the prices below.

Nissan Rogue Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rogue S 2WD $130 $226 $348 $20 $104 $828 $69
Rogue S AWD $130 $226 $348 $20 $104 $828 $69
Rogue SL 2WD $130 $226 $348 $20 $104 $828 $69
Rogue SL AWD $130 $266 $348 $20 $104 $868 $72
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific location information which can affect rates greatly.

Finding dependable, low-cost insurance is not most people’s favorite thing to do, and deciding which companies quote the most affordable auto insurance rates for a Nissan Rogue requires additional perseverance. Each auto insurer uses their own calculation to set premium rates, so we’ll take a look at the most budget-friendly auto insurance companies in Nebraska.

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What’s the cheapest car insurance in Nebraska?
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $873
3 Auto-Owners $896
4 Allied $949
5 Farm Bureau Mutual $980
6 Nationwide $1,007
7 Farmers Mutual of Nebraska $1,019
8 State Farm $1,033
9 American National $1,054
10 General Casualty $1,092
11 USAA $1,128
12 California Casualty $1,270
13 American Family $1,284
14 MetLife $1,319
15 GEICO $1,322
16 Iowa Mutual $1,334
17 EMC $1,354
18 Progressive $1,417
19 Farmers $1,650
20 North Star $1,659
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Safeco may have some of the lowest car insurance rates in Omaha at around $788 a year. This is $528 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual also make the cut as some of the best Omaha, NE auto insurance companies.

As illustrated above, if you buy coverage from The Hartford and switched to Safeco, you might achieve savings of about $85. Customers with Auto-Owners may save as much as $108 a year, and Allied customers might see rate reductions of $161 a year.

It’s important to note that these rates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a specific zip code for a Nissan Rogue. So the car insurance company that is best for you may not even be in the top 24 companies in the list above. That points out the importance of why you need to get rate quotes using your own personal information and vehicle type.

Full coverage rates compared to liability only

Paying a lower price for auto insurance is important to most people, and one of the best ways to buy cheap insurance for a Nissan Rogue is to not insure for full coverage. The chart below shows the difference between premium costs when comparing full coverage to liability only. The prices are based on no claims or driving citations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

As an overall average, physical damage coverage on your policy costs $2,151 per year over and above liability coverage. That raises the question if physical damage coverage is worth the money. There is no clear-cut formula for excluding comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s replacement value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $9,500 after you pay the deductible. If it’s costing in excess of $950 annually for full coverage, then you may want to consider only buying liability coverage.

Comparing rates on Rogue insurance can save you money

Omaha, NE auto insurance rates are based on many factors that will increase or decrease the policy price. Improving your credit score, buying another vehicle, or having an at-fault accident can trigger changes in premium that may make certain companies much cheaper than others. Also, insurance companies amend premium rates without warning in order to maintain liquidity for claims. Higher than normal claim frequency or severity can result in rate increases, while lower claim expenses may produce cheaper Rogue insurance rates.

For example, the bar chart below shows rates for the cheapest car insurance in Omaha, NE for a 30-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we estimate rates based on his current risk profile, Safeco quotes the most affordable car insurance rates in Omaha at $914 each year. This is $402 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Farm Bureau Mutual are also included in the cheapest Omaha, NE auto insurance companies.

Let’s now give the driver from the first example an accident surcharge, bad credit, and a few traffic violations. Due to the fact that each insurance company has a proprietary formula for setting prices, comparing prices may now result in a slightly different list of the cheapest companies as shown below.

Nationwide now has the cheapest car insurance in Omaha with American National, State Farm, General Casualty, and USAA also having competitive pricing. This example shows why Nebraska drivers need to compare as many rates as possible to get cheap car insurance rates for a Nissan Rogue. Car insurance prices can be determined by many factors and can change substantially, so the cheapest option a year ago may now be wasting a lot of money.