Dodge Nitro Insurance Rates
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UPDATED: May 25, 2024
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Average auto insurance rates for a Dodge Nitro are $976 annually including full coverage. Comprehensive costs on average $136, collision insurance costs $150, and liability costs around $510. Liability-only coverage costs as low as $568 a year, and high-risk coverage costs around $2,088. 16-year-old drivers receive the highest rates at up to $4,048 a year.
Average premium for full coverage: $976
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Nitro models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $568 for the bare minimum liability coverage to the much higher price of $2,088 for a high-risk insurance policy.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on car insurance rates.
These examples highlight why everyone should compare prices based on a specific location and their own personal driving habits, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down average Dodge Nitro insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $608
- Using higher $1,000 deductibles will save around $66 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $976
- Buying pricier low deductibles for physical damage coverage will cost $1,098
- Drivers with multiple tickets or accidents could pay upwards of $2,088
- The cost with full coverage for a teen driver for full coverage may cost $4,048 or more
Car insurance rates for a Dodge Nitro can also vary considerably based on the trim level of your Nitro, your driving characteristics, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,700 extra per year, depending on your age. Dodge Nitro insurance for high-risk drivers can be as much as 42% to 125% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $190 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Dodge Nitro insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,390 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $880 | -$96 | -9.8% |
| Alaska | $746 | -$230 | -23.6% |
| Arizona | $812 | -$164 | -16.8% |
| Arkansas | $976 | -$0 | 0.0% |
| California | $1,112 | $136 | 13.9% |
| Colorado | $928 | -$48 | -4.9% |
| Connecticut | $1,002 | $26 | 2.7% |
| Delaware | $1,102 | $126 | 12.9% |
| Florida | $1,222 | $246 | 25.2% |
| Georgia | $900 | -$76 | -7.8% |
| Hawaii | $700 | -$276 | -28.3% |
| Idaho | $662 | -$314 | -32.2% |
| Illinois | $726 | -$250 | -25.6% |
| Indiana | $736 | -$240 | -24.6% |
| Iowa | $656 | -$320 | -32.8% |
| Kansas | $926 | -$50 | -5.1% |
| Kentucky | $1,330 | $354 | 36.3% |
| Louisiana | $1,442 | $466 | 47.7% |
| Maine | $602 | -$374 | -38.3% |
| Maryland | $804 | -$172 | -17.6% |
| Massachusetts | $780 | -$196 | -20.1% |
| Michigan | $1,694 | $718 | 73.6% |
| Minnesota | $814 | -$162 | -16.6% |
| Mississippi | $1,168 | $192 | 19.7% |
| Missouri | $864 | -$112 | -11.5% |
| Montana | $1,048 | $72 | 7.4% |
| Nebraska | $770 | -$206 | -21.1% |
| Nevada | $1,170 | $194 | 19.9% |
| New Hampshire | $704 | -$272 | -27.9% |
| New Jersey | $1,090 | $114 | 11.7% |
| New Mexico | $864 | -$112 | -11.5% |
| New York | $1,028 | $52 | 5.3% |
| North Carolina | $562 | -$414 | -42.4% |
| North Dakota | $800 | -$176 | -18.0% |
| Ohio | $672 | -$304 | -31.1% |
| Oklahoma | $1,002 | $26 | 2.7% |
| Oregon | $894 | -$82 | -8.4% |
| Pennsylvania | $928 | -$48 | -4.9% |
| Rhode Island | $1,300 | $324 | 33.2% |
| South Carolina | $886 | -$90 | -9.2% |
| South Dakota | $824 | -$152 | -15.6% |
| Tennessee | $852 | -$124 | -12.7% |
| Texas | $1,174 | $198 | 20.3% |
| Utah | $722 | -$254 | -26.0% |
| Vermont | $668 | -$308 | -31.6% |
| Virginia | $584 | -$392 | -40.2% |
| Washington | $754 | -$222 | -22.7% |
| West Virginia | $894 | -$82 | -8.4% |
| Wisconsin | $674 | -$302 | -30.9% |
| Wyoming | $868 | -$108 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Nitro Heat 2WD | $944 | $79 |
| Dodge Nitro SE 2WD | $944 | $79 |
| Dodge Nitro Heat 4WD | $960 | $80 |
| Dodge Nitro SE 4WD | $960 | $80 |
| Dodge Nitro SXT 2WD | $960 | $80 |
| Dodge Nitro Detonator 2WD | $976 | $81 |
| Dodge Nitro SXT 4WD | $976 | $81 |
| Dodge Nitro Detonator 4WD | $994 | $83 |
| Dodge Nitro Shock 2WD | $994 | $83 |
| Dodge Nitro Shock 4WD | $1,008 | $84 |
Rates assume 2007 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Dodge Nitro | $156 | $196 | $534 | $1,066 |
| 2010 Dodge Nitro | $146 | $178 | $534 | $1,038 |
| 2009 Dodge Nitro | $142 | $160 | $530 | $1,012 |
| 2007 Dodge Nitro | $136 | $150 | $510 | $976 |
Rates are averaged for all Dodge Nitro models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Dodge Nitro Insurance
Saving money on car insurance requires having a good driving record, having a good credit score, not filing small claims, and possibly raising deductibles. Make time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a condensed summary of the car insurance concepts touched on in this article.
- Higher risk drivers with multiple at-fault accidents pay on average $1,110 more each year to buy Dodge Nitro insurance
- You may be able to save as much as $100 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $200 each year
- Policyholders who require increased levels of liability coverage will pay around $560 per year to increase from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,048 |
| 20 | $2,226 |
| 30 | $982 |
| 40 | $976 |
| 50 | $900 |
| 60 | $880 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,098 |
| $250 | $1,042 |
| $500 | $976 |
| $1,000 | $910 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $976 |
| 50/100 | $1,110 |
| 100/300 | $1,238 |
| 250/500 | $1,569 |
| 100 CSL | $1,161 |
| 300 CSL | $1,442 |
| 500 CSL | $1,646 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,668 |
| 20 | $3,542 |
| 30 | $2,094 |
| 40 | $2,088 |
| 50 | $2,000 |
| 60 | $1,980 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $48 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $31 |
| Advance Quote | $40 |
| Online Quote | $64 |
| Total Discounts | $368 |
Discounts are estimated and may not be available from every company or in every state.
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