Dodge Nitro Insurance Rates
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UPDATED: May 25, 2024
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The average auto insurance rates for a Dodge Nitro are $996 annually with full coverage. Comprehensive insurance costs approximately $140, collision insurance costs $156, and liability insurance costs around $520. A liability-only policy costs as low as $576 a year, and high-risk insurance costs $2,134 or more. Teen drivers cost the most to insure at up to $4,126 a year.
Average premium for full coverage: $996
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Nitro models.
Price Range Variability
For the average 40-year-old driver, Dodge Nitro insurance rates range from as cheap as $576 for minimum levels of liability insurance to the much higher price of $2,134 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.
The examples above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, rather than relying 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.
Additional Rate Details
The chart below details average Dodge Nitro insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $619
- Using higher $1,000 deductibles will save $68 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $996
- Choosing pricier low deductibles for physical damage coverage costs an additional $126 a year
- Drivers with multiple violations and an at-fault accident could pay around $2,134
- Policy cost with full coverage for a teen driver for full coverage can cost $4,126 or more
Car insurance rates for a Dodge Nitro also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,700 extra every year, depending on your age. Dodge Nitro insurance for high-risk drivers can be anywhere from 41% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $200 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Dodge Nitro insurance rates. A driver around age 40 might see rates 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 the Best Dodge Nitro Insurance
Finding cheaper rates on Dodge Nitro insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and attention to physical damage deductibles. Make time to compare rates at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a brief recap of the concepts that were touched on in this article.
- High-risk drivers who tend to receive serious violations may pay on average $1,140 more per year for auto insurance
- Teenage drivers pay the highest auto insurance rates, as much as $344 each month if comprehensive and collision insurance is included
- You may be able to save around $110 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $200 each year
- You may be able to save around $110 per year just by quoting online well ahead of the renewal date
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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