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 for full coverage insurance. Comprehensive insurance costs around $136 a year, collision insurance costs $150, and liability is $510. Buying just liability costs around $568 a year, and insurance for high-risk drivers costs $2,088 or more. Teenage drivers receive the highest rates at up to $4,048 a year.
Average premium for full coverage: $976
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Nitro trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $568 for just liability coverage to a high of $2,088 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.
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.
Detailed Rate Analysis
The chart below illustrates average Dodge Nitro insurance rates for additional coverage choices and driver risks.
- The best discount rate is $608
- Raising to $1,000 deductibles will save about $910 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $976
- Using low $100 deductibles costs an additional $122 annually
- Drivers who are prone to accidents and violations could pay at least $2,088
- The cost with full coverage for a 16-year-old driver can be $4,048
Auto insurance rates for a Dodge Nitro can also vary considerably based on the trim level of your Nitro, your risk profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,100 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 125% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $190 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Dodge Nitro insurance prices. A middle-age driver might find rates as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,320 on average in Michigan, New York, and Florida.
| 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 Affordable Dodge Nitro Insurance
Saving money on insurance for a Dodge Nitro consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a brief review of the primary concepts that were raised in the charts and tables above.
- It is possible to save up to $100 per year just by quoting early and online
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,110 more every year than a low-risk driver
- Increasing deductibles could save up to $200 each year
- Youthful drivers are expensive to insure, costing up to $337 per month if full coverage is included
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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