Dodge Nitro Insurance Rates
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UPDATED: May 25, 2024
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Estimated auto insurance rates for a Dodge Nitro are $996 annually with full coverage. Comprehensive insurance costs approximately $140 each year, collision insurance costs $156, and liability is $520. Liability-only insurance costs around $576 a year, and high-risk driver insurance costs $2,134 or more. Teen drivers pay the most at up to $4,126 a year.
Average premium for full coverage: $996
Premium estimates by type of coverage:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Nitro models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Dodge Nitro range from as cheap as $576 for basic liability insurance to a high rate of $2,134 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.
These rate differences demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price 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.
Rate Comparisons
The chart below details average Dodge Nitro insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $619
- Raising to $1,000 deductibles will save $68 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $996
- Choosing low deductibles costs an additional $126 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,134
- An auto insurance policy with full coverage for a 16-year-old driver can cost $4,126
Insurance prices for a Dodge Nitro also have a wide range based on the model of your Nitro, your driving record, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,700 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $200 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Dodge Nitro insurance prices. A middle-age driver might find prices as low as $720 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,340 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$96 | -9.6% |
| Alaska | $762 | -$234 | -23.5% |
| Arizona | $828 | -$168 | -16.9% |
| Arkansas | $996 | -$0 | 0.0% |
| California | $1,132 | $136 | 13.7% |
| Colorado | $948 | -$48 | -4.8% |
| Connecticut | $1,020 | $24 | 2.4% |
| Delaware | $1,126 | $130 | 13.1% |
| Florida | $1,246 | $250 | 25.1% |
| Georgia | $918 | -$78 | -7.8% |
| Hawaii | $714 | -$282 | -28.3% |
| Idaho | $674 | -$322 | -32.3% |
| Illinois | $740 | -$256 | -25.7% |
| Indiana | $750 | -$246 | -24.7% |
| Iowa | $672 | -$324 | -32.5% |
| Kansas | $944 | -$52 | -5.2% |
| Kentucky | $1,356 | $360 | 36.1% |
| Louisiana | $1,474 | $478 | 48.0% |
| Maine | $614 | -$382 | -38.4% |
| Maryland | $820 | -$176 | -17.7% |
| Massachusetts | $796 | -$200 | -20.1% |
| Michigan | $1,726 | $730 | 73.3% |
| Minnesota | $832 | -$164 | -16.5% |
| Mississippi | $1,192 | $196 | 19.7% |
| Missouri | $882 | -$114 | -11.4% |
| Montana | $1,068 | $72 | 7.2% |
| Nebraska | $786 | -$210 | -21.1% |
| Nevada | $1,194 | $198 | 19.9% |
| New Hampshire | $716 | -$280 | -28.1% |
| New Jersey | $1,112 | $116 | 11.6% |
| New Mexico | $880 | -$116 | -11.6% |
| New York | $1,048 | $52 | 5.2% |
| North Carolina | $574 | -$422 | -42.4% |
| North Dakota | $816 | -$180 | -18.1% |
| Ohio | $686 | -$310 | -31.1% |
| Oklahoma | $1,020 | $24 | 2.4% |
| Oregon | $912 | -$84 | -8.4% |
| Pennsylvania | $948 | -$48 | -4.8% |
| Rhode Island | $1,328 | $332 | 33.3% |
| South Carolina | $902 | -$94 | -9.4% |
| South Dakota | $840 | -$156 | -15.7% |
| Tennessee | $868 | -$128 | -12.9% |
| Texas | $1,198 | $202 | 20.3% |
| Utah | $734 | -$262 | -26.3% |
| Vermont | $682 | -$314 | -31.5% |
| Virginia | $596 | -$400 | -40.2% |
| Washington | $768 | -$228 | -22.9% |
| West Virginia | $912 | -$84 | -8.4% |
| Wisconsin | $688 | -$308 | -30.9% |
| Wyoming | $886 | -$110 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Nitro Heat 2WD | $962 | $80 |
| Dodge Nitro SE 2WD | $962 | $80 |
| Dodge Nitro Heat 4WD | $978 | $82 |
| Dodge Nitro SE 4WD | $978 | $82 |
| Dodge Nitro SXT 2WD | $978 | $82 |
| Dodge Nitro Detonator 2WD | $996 | $83 |
| Dodge Nitro SXT 4WD | $996 | $83 |
| Dodge Nitro Detonator 4WD | $1,012 | $84 |
| Dodge Nitro Shock 2WD | $1,012 | $84 |
| Dodge Nitro Shock 4WD | $1,030 | $86 |
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 | $166 | $214 | $540 | $1,100 |
| 2010 Dodge Nitro | $156 | $196 | $534 | $1,066 |
| 2009 Dodge Nitro | $146 | $178 | $534 | $1,038 |
| 2007 Dodge Nitro | $140 | $156 | $520 | $996 |
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 Cheap Dodge Nitro Insurance
Finding better rates on insurance for a Dodge Nitro consists of having a decent driving record, having good credit, being claim-free, and consideration of higher deductibles. Take the time to comparison shop once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following items are a brief summary of the data that was touched on in the above illustrations.
- You may be able to save around $110 per year just by quoting online in advance
- Insureds who purchase additional liability coverage will pay about $570 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $344 per month if they have full coverage
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,140 more per year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,126 |
| 20 | $2,272 |
| 30 | $1,000 |
| 40 | $996 |
| 50 | $916 |
| 60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,122 |
| $250 | $1,066 |
| $500 | $996 |
| $1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $996 |
| 50/100 | $1,134 |
| 100/300 | $1,264 |
| 250/500 | $1,602 |
| 100 CSL | $1,186 |
| 300 CSL | $1,472 |
| 500 CSL | $1,680 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,784 |
| 20 | $3,618 |
| 30 | $2,140 |
| 40 | $2,134 |
| 50 | $2,042 |
| 60 | $2,020 |
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 | $49 |
| Multi-vehicle | $54 |
| Homeowner | $19 |
| 5-yr Accident Free | $56 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $32 |
| Advance Quote | $41 |
| Online Quote | $65 |
| Total Discounts | $377 |
Discounts are estimated and may not be available from every company or in every state.
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