Buying the best cheap car insurance for a Nissan Rogue in Hawaii can be really easy, but it is dependent upon a fairly complex equation with a lot of factors such as how long your commute is, your occupation, and if you have a history of accidents. Hawaii drivers pay approximately $642 each year to insure their Rogue, but that figure is a projection using a 50-year-old single male driver with full physical damage coverage and $1,000 deductibles.
This brings up the issue that more than likely you aren’t exactly 50 years old or even a male, you might be married instead of single, or maybe you just want different deductibles. Have just a small change in rating criteria or coverage limits could end up with a large change in the coverage rate.
Not every driver requires the same auto insurance coverages, so the best method for finding cheap car insurance rates for your Nissan is to just compare rates yourself. In just a couple of minutes you can get rates from the cheapest companies available.
The specific model of Rogue tends to have a direct effect on the annual cost of coverage, so the price you will pay to insure a Rogue S 2WD will be $40 lower than the insurance cost for the high end Rogue SL AWD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $108 | $224 | $338 | $20 | $102 | $792 | $66 |
| Rogue S AWD | $108 | $224 | $338 | $20 | $102 | $792 | $66 |
| Rogue SL 2WD | $108 | $224 | $338 | $20 | $102 | $792 | $66 |
| Rogue SL AWD | $108 | $264 | $338 | $20 | $102 | $832 | $69 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific location information which can change prices significantly.
Picking the top insurer can be challenging considering how many different insurance companies sell coverage in Hawaii. The company information in the next section could help you decide which auto insurers you want to consider when trying to find cheaper insurance for a Nissan Rogue. The rankings below are for companies that insure vehicles nationwide, so smaller regional companies are not included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Honolulu car insurance rates
Insurance companies that offer quotes for a Nissan Rogue may also offer policy discounts that may potentially lower prices by 40% or more if you are eligible to receive them. Popular insurance companies and their possible discounts include:
- Farm Bureau offers premium reductions for driver training, renewal discount, good student, multi-policy, and multi-vehicle.
- MetLife may have discounts that include multi-policy, accident-free, good driver, defensive driver, good student, claim-free
- Progressive may include discounts for online signing, online quote discount, continuous coverage, homeowner, good student, and multi-vehicle.
- AAA discounts include pay-in-full, education and occupation, good student, AAA membership discount, and multi-car.
- American Family has discounts for bundled insurance, defensive driver, mySafetyValet, Steer into Savings, and good driver.
- GEICO may offer discounts for membership and employees, five-year accident-free, federal employee, air bags, emergency military deployment, and multi-policy.
- State Farm policyholders can earn discounts including good driver, defensive driving training, student away at school, anti-theft, accident-free, multiple policy, and driver’s education.
The illustration below shows the difference between auto insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, no violations or claims, Hawaii state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, claim-free, defensive driving course, multiple policy, marriage, and vehicle safety discounts applied. When discounts are factored in, theaverage yearly reduction on insurance for a Nissan Rogue is 28% or $565.
Impact of speeding/accidents on Honolulu insurance rates
The recommended way to get low insurance premiums for a Rogue is to be a careful driver and not get tickets or have accidents. The diagram below illustrates how speeding tickets and at-fault collisions raise auto insurance costs for different ages of insureds. The premium estimates are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The chart shows that the average cost of auto insurance in Honolulu per year with no accidents and a clean driving record is $1,281. Get written up for one speeding ticket and the average cost increases to $1,494, an increase of $213 each year. Now get one accident along with the one speeding ticket and the 12-month cost of insurance for a Nissan Rogue goes up to an average of $2,093. That’s an increase of $812, or $68 per month, just for not being a responsible driver!
The chart below demonstrates how choosing different deductibles can change yearly insurance costs when searching for cheap insurance for a Nissan Rogue. The data assumes a married male driver, full physical damage coverage, and no discounts are applied.
A 30-year-old driver could save $244 a year by increasing from a $100 deductible to a $500 deductible, or save $368 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, could roll back prices $736 every year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have spare funds to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.