Buying the cheapest auto insurance for a Nissan Rogue in South Carolina doesn't take a ton of time, but it hinges on many factors such as whether you are a homeower, your credit status, and any prior driving offenses. Drivers in South Carolina pay approximately $1,002 annually for Rogue insurance, but that is based upon a 30-year-old married male driver with full coverage and $250 deductibles.
But there is a high probability that you are not 30 and maybe not even a male, possibly single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Each driver's needs are different, and that demonstrates why the only way to find the cheapest coverage for your Nissan is to just take the time to compare rates yourself. Quotes are free and you will receive rate quotes from the best companies that offer coverage in South Carolina.
Your Nissan's trim level tends to impact the cost of insurance, so the price you will pay to insure a Rogue S 2WD trim level will be $80 less than the insurance cost for the more expensive Rogue SL AWD trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$264||$444||$386||$22||$116||$1,232||$103|
|Rogue S AWD||$264||$444||$386||$22||$116||$1,232||$103|
|Rogue SL 2WD||$264||$444||$386||$22||$116||$1,232||$103|
|Rogue SL AWD||$264||$524||$386||$22||$116||$1,312||$109|
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Information does not factor in vehicle garaging location which can revise premiums significantly.
Buying low-priced insurance is not most people's favorite thing to do, and figuring out which company has the most affordable auto insurance rates for a Nissan Rogue in South Carolina will involve even more diligence. Every car insurance company uses their own calculation to set policy rates, so we need to take a look at the auto insurance companies that tend to have lower prices in South Carolina.
It's important to understand that South Carolina auto insurance rates are impacted by many factors that can increase the price of your policy. Improving your credit rating, buying higher coverage limits, or getting a driving violation can trigger rate changes resulting in some rates now being more expensive than competitors.
Cheapest Insurance Rates for Your Nissan
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,260|
|6||Southern Farm Bureau||$1,260|
|7||National Grange Mutual||$1,321|
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The Hartford normally has some of the most affordable car insurance rates in South Carolina at around $745 annually. This is $864 less than the average rate paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also are some of the more affordable South Carolina auto insurance companies.
As shown above, if you currently have a policy with USAA and switched to The Hartford, you could realize a yearly savings of approximately $240. South Carolina drivers with State Auto might save as much as $360 a year, and Auto-Owners insureds might lower prices by up to $362 a year.
These estimates are averages across all types of insureds and vehicles and and are not calculated with a specific rate factor for a Nissan Rogue. So the company that can offer you the best price may not even be in the top 18 companies in the list above. That emphasizes why you need to quote rates from many companies using your own specific driver information and vehicle.
Discounts on South Carolina auto insurance rates
Auto insurance companies that offer cheap quotes for a Nissan Rogue may also provide rate discounts that can lower rates by 25% or more if you meet the requirements. A few popular companies and some of the premium reductions they offer include:
- GEICO offers discounts including good student, multi-vehicle, anti-theft, daytime running lights, multi-policy, and driver training.
- USAA offers discounts for new vehicle, safe driver, vehicle storage, defensive driver, and multi-vehicle.
- Progressive discounts include multi-policy, homeowner, continuous coverage, multi-vehicle, good student, online signing, and online quote discount.
- American Family offers premium reductions for TimeAway discount, Steer into Savings, mySafetyValet, accident-free, good driver, early bird, and good student.
- Esurance may offer discounts for multi-car, homeowner, DriveSense, multi-policy, renters, and anti-theft.
- Farmers Insurance includes discounts for teen driver, alternative fuel, good student, business and professional, early shopping, youthful driver, and electronic funds transfer.
- State Farm has savings for defensive driving training, anti-theft, driver's education, Steer Clear safe driver discount, multiple policy, student away at school, and Drive Safe & Save.
The example below visualizes the comparison of car insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, South Carolina state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, marriage, defensive driving course, accident-free, multiple policy, and multiple vehicle discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Nissan Rogue is 28% or $512.
The information below illustrates how your deductible choice can affect insurance costs when researching cheap insurance for a Nissan Rogue in South Carolina. The data assumes a single female driver, full physical damage coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could pocket $322 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $488 by using a $1,000 deductible. Younger drivers, like the 20-year-old, could shave as much as $824 every year by using a higher deductible. If you do raise deductibles, it will be necessary to have enough funds in savings to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Full coverage rates compared to liability only
Saving on auto insurance is important to most drivers, and one of the easiest ways to buy cheap insurance for a Nissan Rogue in South Carolina is to only pay for liability coverage. The chart below illustrates the difference between auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no violations or accidents, $250 deductibles, drivers are single, and no other discounts are factored in.
On average, physical damage insurance costs $2,247 per year over liability only. That is a significant amount which raises the question if buying full coverage is a waste of money. There is no clear-cut formula to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let's say your vehicle's replacement cost is $12,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $11,000 after paying your policy deductible. If you are paying in excess of $1,100 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where removing full coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.