The True Cost of Owning a Nissan Rogue

Cost example updated October 24, 2026

Owning a Nissan Rogue costs about $52,124 over five years, or about $869 a month in the example below. The loan payment alone is $655 a month, the rest is insurance, gas, upkeep, and the value the car loses over time. The sections below show each piece, and the full example at the end lists every input so you can swap in your own numbers.

Start with the price you will actually pay

For a representative example, use a 2025 Nissan Rogue SV with front-wheel drive at $32,360. That is Nissan's own sticker price (MSRP, the price the maker suggests) of $30,970 plus $1,390 in destination and handling (the charge to ship the car to the dealer). The SV is the middle trim most buyers land on: it adds driver-assist help and a power driver's seat over the base S, without the leather and top-trim prices of the SL and Platinum. Trims run from the S near $29,000 to the Platinum past $39,000, so replace this starting point with a written quote for the exact trim you are considering.

The down payment does not make the Rogue cheaper; it changes how much you borrow. With 10% down ($3,236), 8% APR (the yearly interest rate on the loan) and 60 months (five years) to pay, this example finances $32,289 at $655 a month, and the loan costs about $6,993 in interest over five years.

Fuel: the Rogue's quiet advantage

The Rogue's small turbocharged 1.5-liter three-cylinder engine is rated 33 mpg combined (30 city, 37 highway) in front-wheel-drive SV form, mpg means miles per gallon, how far the car goes on one gallon of gas. At 12,000 miles a year that is about 364 gallons annually, roughly $1,510 a year, $7,551 over five years at $4.153 a gallon (the EIA national average for the week ending November 2, 2026). That is roughly half the fuel bill of a big V8 SUV, and it is the main reason the Rogue's monthly total stays under $900 in this example.

Real-world results move with driving: mostly short city trips will land below 33 mpg, and steady highway driving can beat it. The all-wheel-drive SV is rated lower, at 31 mpg combined, and would use about $487 more gas over five years on the same miles, a small difference, but worth knowing if you want all-wheel drive for winter roads.

Depreciation is still the biggest bucket

Depreciation is the value a car loses over time, the gap between what you paid and what it is worth when you sell it. This example plans on the Rogue keeping about 50.2% of its price after five years, for a resale value of about $16,245 and depreciation of about $16,115, roughly $269 a month. That is still the largest single cost on this page, even on a sensibly priced SUV.

Published estimates disagree here, and that disagreement is stated rather than settled: one widely used dataset puts five-year value loss at 44.2%, while another trim-level breakdown implies a larger loss. The 50.2% figure sits between them. Run a second scenario with resale 10% lower so the decision does not depend on an optimistic used market.

Insurance runs mid-pack money

Full coverage means insurance that covers damage to your own car as well as damage you cause to others, and it is what a lender usually requires while a loan is open. Published full-coverage averages for the Rogue cluster between about $167 and $219 a month depending on the source, with some datasets lower and some higher. This example uses $180 a month, or $10,800 over five years. Premiums depend heavily on the driver, ZIP code, coverage and insurer, so get a quote on the exact trim with matching deductibles (the amount you pay first on a claim) and limits before treating any average as yours.

Rogue maintenance costs: routine, with one big year to plan for

Published five-year cost-to-own work puts Rogue maintenance near $6,160 to $6,739, with expected repairs adding roughly $880 to $1,830 more on top. This example allows $1,500 a year, or $7,500 all-in, which sits between those two published all-in totals. The first two years are helped by Nissan's included maintenance program (three prepaid oil changes up to two years or 24,000 miles), but a tire set inside five years at 60,000 miles and the heavier service years in years four and five are the reason the allowance is not lower.

One honest gap: no single published figure covers every owner's tire, brake and repair mix, so $1,500 a year is a planning allowance, not a quote. Owners who drive mostly highway miles may spend less; owners facing an out-of-warranty repair will spend more.

The full five-year example

Every figure below comes from the site's own calculator math. The stated inputs are: 2025 Nissan Rogue SV front-wheel drive, $32,360 price ($30,970 sticker price plus $1,390 destination), 10% down ($3,236), 8% APR, 60 months, 7% sales tax, $900 in title and dealer fees, 12,000 miles per year, 33 mpg, $4.153 per gallon (EIA national average, week ending November 2, 2026), $180 per month insurance, $1,500 per year maintenance, $16,245 resale value after five years.

• Depreciation: $16,115 ($32,360 minus $16,245 resale)
• Insurance: $10,800 ($180 x 60 months)
• Fuel: $7,551 (12,000 / 33 x $4.153 x 5 years)
• Maintenance: $7,500 ($1,500 x 5 years)
• Tax, fees and interest: $10,158 ($2,265 sales tax, $900 fees, $6,993 loan interest)

That totals roughly $52,124, or about $869 a month. Notice what that says about the $655 payment: on this vehicle the payment is not the whole story, it is about 75% of the average month's true cost, and during the loan years the cash actually going out is the payment plus insurance, fuel and upkeep.

Formula

The five-year total is the sum of five buckets: depreciation, insurance, fuel, maintenance, and tax, fees and interest. Depreciation is the $32,360 price minus the $16,245 resale value after five years, which is $16,115. Insurance is $180 a month times 60 months, which is $10,800. Fuel is 12,000 miles a year divided by 33 miles per gallon, times $4.153 a gallon, times 5 years, which is about $7,551. Maintenance is $1,500 a year times 5 years, which is $7,500. Tax, fees and interest is 7% sales tax on $32,360, which is $2,265, plus $900 in title and dealer fees, plus about $6,993 of loan interest, which is $10,158.

Added together, $16,115 plus $10,800 plus $7,551 plus $7,500 plus $10,158 equals $52,124, or about $869 a month. The amount financed is the $32,360 price plus $2,265 sales tax plus $900 in fees, minus the $3,236 down payment, which is $32,289. At 8% APR over 60 months, the payment on $32,289 is $655 a month, and the loan costs about $6,993 in interest over five years.

Why Rogue buyers should think past year five

Compact SUVs are often keepers, and that is where the economics can improve: the loan ends at year five, and the depreciation curve flattens. The costs that arrive in years six through ten are the wear-and-repair years: a second tire set, brakes, suspension work, and out-of-warranty items. The keep it 10 years guide shows how to extend this same math honestly.

Shopping the Rogue against its closest rivals? The Car Showdown runs any two vehicles through the same five buckets side by side, try it against the RAV4 or the CR-V before deciding on size, mileage and price alone.

Calculation transparency

Jurisdiction. United States. Sales tax, titling, registration and insurance rules are set by your state, so your exact numbers depend on where you buy and register the car. The 7% sales tax and $900 in fees in this example are planning figures, not any one state's actual rates.

Rules and time period. Five years, 12,000 miles a year, gas at $4.153 a gallon (EIA national average, week ending November 2, 2026), 8% APR, 60 months, 10% down. The resale value is a planning assumption, not a forecast.

Scope and limitations. Educational estimate only. Insurance and maintenance are planning figures, not quotes. Get a real quote for the same trim, coverage and loan before you decide.

Sources disagree on the Rogue's five-year value loss: iSeeCars puts it at 44.2 percent lost while CarEdge puts five-year retention at 50.2 percent, and a RoadEthos piece using iSeeCars' 2026 study puts the loss at 48.6 percent, so the 50.2 percent retained figure used here is kept as a planning assumption, not as a current reading. Edmunds lists a lower SV starting figure than Nissan's release, and that gap is already disclosed on this page. Maintenance is a planning allowance between published Kelley Blue Book and Edmunds totals, $6,160 to $6,739 plus repairs of $880 to $1,830, so the $1,500 a year used here is kept as printed.

Source links checked November 6, 2026. Figures: Nissan 2025 Rogue SV price, $32,360 including destination; EPA combined fuel economy, 33 mpg; MoneyGeek Rogue full-coverage average, $167 a month; Compare.com Rogue full-coverage average, $183 a month; Insuraviz Rogue average, $180 a month; EIA weekly gas prices (week ending November 2, 2026).

Primary sources: Autoblog, 2025 Nissan Rogue; fueleconomy.gov, EPA fuel economy ratings; MoneyGeek, Nissan Rogue car insurance; Compare.com, Nissan Rogue car insurance; Insuraviz, Nissan Rogue car insurance; EIA, Gasoline and Diesel Fuel Update. How the numbers are calculated is written down on the methodology page, and every source is listed on the sources page.

Definitions

Depreciation. The value a car loses over time, the gap between what you paid and what it is worth when you sell it. On this page, the $32,360 price minus the $16,245 resale value after five years, which is $16,115.

Resale value. What the Rogue is worth after five years in this example, $16,245. A planning assumption, not a promise.

APR. Annual percentage rate, the yearly interest rate on the loan. This example uses 8%.

Down payment. The cash paid up front. Here it is 10%, or $3,236.

Destination charge. The charge to ship the car to the dealer. It is $1,390 on the Rogue, and the $32,360 example price is Nissan's own sticker price of $30,970 plus the $1,390 destination and handling.

Combined mpg. The EPA city and highway ratings blended into one figure. It is 33 for the front-wheel-drive SV, 30 in the city and 37 on the highway. Mpg means miles per gallon, how far the car goes on one gallon of gas. The all-wheel-drive SV is rated 31 mpg combined.

Full coverage. Insurance that covers damage to your own car as well as damage you cause to others, and it is what a lender usually requires while a loan is open. Published averages run from about $167 to $219 a month; this example uses $180 a month.

MSRP. The price the maker suggests. The Rogue SV sticker price is $30,970 before destination.

Questions people actually ask

How much does it cost to own a Nissan Rogue?

About $52,124 over five years, or about $869 a month, in the example above for a 2025 Rogue SV with front-wheel drive.

How much is a Nissan Rogue per month?

The loan payment in this example is $655 a month, but the full monthly cost, payment plus insurance, gas, upkeep, and the value the car loses, is about $869 a month.

Is the Nissan Rogue good on gas?

Yes, for its size. The front-wheel-drive SV is rated 33 miles per gallon combined, which works out to about $7,551 in gas over five years at 12,000 miles a year and $4.153 a gallon (the EIA national average for the week ending November 2, 2026). All-wheel drive drops to 31 mpg combined.

How much does a Nissan Rogue depreciate in 5 years?

This example plans on $16,115 of value lost over five years, keeping about 50.2% of its $32,360 price, for a resale value of about $16,245. Published estimates range wider, so treat that resale figure as a planning assumption, not a promise.

Is a Nissan Rogue expensive to insure?

Not compared with larger SUVs. This example uses $180 a month for full coverage, or $10,800 over five years, inside a published range of roughly $167 to $219 a month. Your own quote depends on driver, city, coverage and insurer. Published averages range widely, so get a quote on the exact trim before treating any average as yours.

Related: Compare the Hyundai Tucson, the Kia Sportage and the Chevrolet Equinox, or browse all models.

Run your own numbers

Change the price, the miles, and the insurance to match your household, the calculator does the same five-year math as the example above. New to how cars lose value? The why cars lose value guide explains depreciation in plain words.

Figures: Nissan's August 2024 pricing release (SV sticker price and destination); EPA combined ratings as published by dealer fuel-economy guides (33 mpg front-wheel drive, 31 mpg all-wheel drive); CarEdge five-year retention of 50.2%, with iSeeCars' 44.2% five-year loss noted as a lower-loss comparison; published full-coverage insurance averages (MoneyGeek $167 a month overall, Compare.com $183 a month for the Rogue, Insuraviz $180 a month, Insure.com $219 a month for a 2025 Rogue, The Zebra $200 a month for a 2025 Rogue); Kelley Blue Book and Edmunds five-year cost-to-own maintenance and repair totals. Gaps stated on this page: Edmunds lists a lower SV starting figure than Nissan's release; depreciation sources disagree; insurance averages span a wide range; the 7% sales tax and $900 fees are example figures, not any one state's actual charges; gas is held at $4.153 a gallon (the EIA national average for the week ending November 2, 2026) for the whole five years.

Buying in Texas? Texas adds its own layer to these numbers, a 6.25% sales tax, its own fees, and its own insurance picture. See the true cost of a car in Texas.