Who Has Affordable Honolulu Auto Insurance Rates for a Nissan Rogue?

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.

Insure Your Nissan for Less

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.

Nissan Rogue Insurance Rates in Honolulu, HI
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.

Best 15 Insurance Companies for a Nissan Rogue in Hawaii
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 for a Rogue in Honolulu, HIInsurance 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:

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.