2026 Nissan Rogue Insurance Cost: Moderate Premiums and a Recall to Watch

Every figure in this article is traced to the primary sources listed under Sources.

Insurance for a 2026 Nissan Rogue averages about $167 per month for full coverage and $86 per month for minimum coverage, according to MoneyGeek’s 2026 analysis. That places the Rogue in the middle of the compact SUV class—not the cheapest, but well below the segment’s expensive end.

How Much Does 2026 Nissan Rogue Insurance Cost?

Full coverage for a 2026 Nissan Rogue averages $167 per month, or about $2,004 per year, for a 35-year-old driver with a clean record, 100/300/100 liability limits, and a $500 deductible, according to MoneyGeek’s 2026 analysis. Minimum coverage averages $86 per month, or about $1,032 per year. These are estimates, not quotes, and they vary by state and insurer.

For a direct comparison, a 2025 LendingTree analysis put the Rogue at $156 per month for full coverage versus $142 per month for the Honda CR-V. Another 2025 comparison from Motorbiscuit placed the Rogue at $2,306 per year and the CR-V at $1,995 per year. The gap is not enormous, but it shows that the Rogue’s moderate premium does not automatically make it the cheapest compact SUV to insure.

What the 2026 Rogue Is and Why It Matters for Insurance

The 2026 Nissan Rogue is a five-passenger compact SUV sold in the U.S. with a 1.5-liter turbocharged three-cylinder engine producing 201 horsepower, paired with a CVT and available in front-wheel or all-wheel drive. It was most recently redesigned for the 2021 model year, and the 2026 version carries that same generation.

Three vehicle facts matter most for insurance. First, the 2026 Rogue earned a 2025 IIHS TOP SAFETY PICK designation, with “Good” ratings in the driver-side small overlap front test and standard front crash prevention. Second, average annual repair costs for the Rogue are around $467, according to RepairPal’s 2026 reliability data—on the lower side for compact SUVs (the compact SUV average is $521), which helps keep collision and comprehensive premiums in check. Third, the 2026 model year has two NHTSA recall campaigns: one for an incorrect spare tire (NHTSA campaign 25V912) and one for a gear-position indicator that may fail to display the selected gear, creating a rollaway risk (NHTSA campaign 26V419, reported June 30, 2026).

Why the Rogue’s Premium Can Vary

The $167 monthly average is a starting point, not a promise. For the 2026 Rogue, four factors move the number most.

What the 2026 Recalls Mean for Insurance

The 2026 Rogue has two active safety recalls. NHTSA campaign 26V419 (reported June 30, 2026) covers a gear-position indicator that may fail to display the selected gear, creating a rollaway risk. NHTSA campaign 25V912 (reported December 23, 2025) covers an incorrect-size spare tire on certain 2026 Rogues. The wrong spare may not match the tire size and inflation pressure on the placard, which can lead to incorrect inflation and a crash risk.

Neither recall automatically increases your premium—insurers do not typically re-rate a model solely because of a recall. However, recalls can affect you in two practical ways. First, claim handling: if an incident occurs and the recall repair has not been performed, an insurer may investigate whether the defect contributed to the loss. Keeping recall paperwork and completing the free dealer fixes protects you in a claim. Second, repair delays: recall-related parts shortages can slow collision repairs if the same components are involved. That can extend rental-car costs, which may be covered only if you bought rental reimbursement coverage.

What Rogue Owners and Shoppers Should Do Now

If you own or are shopping for a 2026 Nissan Rogue, these steps are specific to this vehicle and this moment.

What the Data Does Not Tell You

The averages above are not quotes and do not reflect your specific driving record, credit score, or state filing rules. MoneyGeek’s data mixes model years and trims; a 2026 Rogue S FWD may price differently from a 2026 Rogue Platinum AWD. Also, the recalls’ long-term effect on insurance rates is not yet known—recalls sometimes lead to subrogation changes or adjusted repair procedures, but insurers have not published Rogue-specific surcharges tied to these campaigns. Any article that claims a definite premium increase from the recalls is speculating.

Frequently Asked Questions About 2026 Nissan Rogue Insurance

Is the 2026 Nissan Rogue expensive to insure?

No, it’s moderate. MoneyGeek’s 2026 analysis shows full coverage averages about $167 per month, placing the Rogue in the middle of the compact SUV class.

Does the 2026 Nissan Rogue recall increase my insurance?

Not directly. Insurers don’t typically raise rates just because of a recall. But completing the free recall repair protects you if a rollaway incident leads to a claim.

How much is full coverage for a 2026 Nissan Rogue?

About $167 per month on average, or roughly $2,004 per year, for a 35-year-old driver with a clean record and a $500 deductible. Rates vary widely by state and insurer.

Does the 2026 Rogue need gap coverage?

It depends on your loan. If you financed with less than 20% down, the Rogue’s depreciation—about $17,188 over five years, according to Kelley Blue Book’s 2026 data—can leave you owing more than the car is worth after a total loss. Gap coverage pays that difference. If you paid cash or made a large down payment, you likely do not need it.