Dodge Nitro Insurance Rates

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UPDATED: May 25, 2024

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Average insurance prices for a Dodge Nitro are $952 every 12 months with full coverage. Comprehensive costs around $126 each year, collision costs $142, and liability coverage costs around $504. A liability-only policy costs as low as $564 a year, with high-risk insurance costing around $2,038. Teenage drivers receive the highest rates at $3,978 a year or more.

Average premium for full coverage: $952

Rate estimates for individual coverage type:

Comprehensive $126
Collision $142
Liability $504

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Nitro models.

Price Range by Coverage and Risk

For an average driver, prices range go from the cheapest price of $564 for your basic liability-only policy to a high rate of $2,038 for a driver who has had serious violations or accidents.

Liability Only $564
Full Coverage $952
High Risk $2,038

Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $714
Small Cities $1,000
Large Cities $1,285

These examples demonstrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using 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.

More Rate Information

The chart below details estimated Dodge Nitro insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $595
  • Using higher $1,000 deductibles will save about $62 annually
  • The average price for a 40-year-old driver using $500 deductibles is $952
  • Using low deductibles for physical damage coverage increases the price to $1,066
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,038 or more
  • The cost to insure a teenage driver can be $3,978 or more

View Chart as Image

Dodge Nitro insurance cost comparison chart
Column chart showing full coverage Dodge Nitro insurance rates range from $595 to $3,978

Insurance rates for a Dodge Nitro can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $180 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $453 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $900 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers can be around 40% to 128% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Dodge Nitro insurance rates. A driver around age 40 might see rates as low as $690 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,290 on average in Florida, Michigan, and New York.

Dodge Nitro Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $860 -$92 -9.7%
Alaska $730 -$222 -23.3%
Arizona $790 -$162 -17.0%
Arkansas $952 -$0 0.0%
California $1,084 $132 13.9%
Colorado $908 -$44 -4.6%
Connecticut $976 $24 2.5%
Delaware $1,078 $126 13.2%
Florida $1,190 $238 25.0%
Georgia $880 -$72 -7.6%
Hawaii $682 -$270 -28.4%
Idaho $644 -$308 -32.4%
Illinois $708 -$244 -25.6%
Indiana $716 -$236 -24.8%
Iowa $642 -$310 -32.6%
Kansas $904 -$48 -5.0%
Kentucky $1,298 $346 36.3%
Louisiana $1,410 $458 48.1%
Maine $590 -$362 -38.0%
Maryland $786 -$166 -17.4%
Massachusetts $760 -$192 -20.2%
Michigan $1,650 $698 73.3%
Minnesota $796 -$156 -16.4%
Mississippi $1,140 $188 19.7%
Missouri $844 -$108 -11.3%
Montana $1,020 $68 7.1%
Nebraska $750 -$202 -21.2%
Nevada $1,142 $190 20.0%
New Hampshire $686 -$266 -27.9%
New Jersey $1,064 $112 11.8%
New Mexico $844 -$108 -11.3%
New York $1,004 $52 5.5%
North Carolina $548 -$404 -42.4%
North Dakota $780 -$172 -18.1%
Ohio $656 -$296 -31.1%
Oklahoma $976 $24 2.5%
Oregon $870 -$82 -8.6%
Pennsylvania $908 -$44 -4.6%
Rhode Island $1,272 $320 33.6%
South Carolina $864 -$88 -9.2%
South Dakota $804 -$148 -15.5%
Tennessee $832 -$120 -12.6%
Texas $1,146 $194 20.4%
Utah $704 -$248 -26.1%
Vermont $652 -$300 -31.5%
Virginia $570 -$382 -40.1%
Washington $734 -$218 -22.9%
West Virginia $872 -$80 -8.4%
Wisconsin $658 -$294 -30.9%
Wyoming $848 -$104 -10.9%

View Chart as Image

Dodge Nitro insurance rates by U.S. city

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Dodge Nitro Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Nitro Heat 2WD $922 $77
Dodge Nitro SE 2WD $922 $77
Dodge Nitro Heat 4WD $936 $78
Dodge Nitro SE 4WD $936 $78
Dodge Nitro SXT 2WD $936 $78
Dodge Nitro Detonator 2WD $952 $79
Dodge Nitro SXT 4WD $952 $79
Dodge Nitro Detonator 4WD $968 $81
Dodge Nitro Shock 2WD $968 $81
Dodge Nitro Shock 4WD $982 $82

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.

Dodge Nitro Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Dodge Nitro $146 $178 $534 $1,038
2010 Dodge Nitro $142 $160 $530 $1,012
2009 Dodge Nitro $140 $156 $520 $996
2007 Dodge Nitro $126 $142 $504 $952

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 Shop for More Affordable Dodge Nitro Insurance

Saving money on auto insurance requires being a good driver, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every other policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a summary of the ideas that were covered in the above illustrations.

  • Drivers age 16 to 20 pay higher rates, with premiums as much as $332 per month if they have full coverage
  • Drivers who have multiple accidents or major violations pay on average $1,090 more every year than a safer driver
  • Increasing deductibles could save as much as $175 each year
  • You may be able to save up to $100 per year simply by quoting online in advance

Rates by Driver Age

Dodge Nitro Insurance Rates by Driver Age
Driver Age Premium
16 $3,978
20 $2,178
30 $956
40 $952
50 $878
60 $858

Full coverage, $500 deductibles

Rates by Deductible

Dodge Nitro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,066
$250 $1,014
$500 $952
$1,000 $890

Full coverage, driver age 40

Rates by Liability Limit

Dodge Nitro Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $952
50/100 $1,083
100/300 $1,209
250/500 $1,536
100 CSL $1,133
300 CSL $1,410
500 CSL $1,612

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Nitro Insurance Rates for High Risk Drivers
Age Premium
16 $5,568
20 $3,464
30 $2,046
40 $2,038
50 $1,954
60 $1,934

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.

SR-22 Surcharge $124

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $52
Homeowner $18
5-yr Accident Free $52
5-yr Claim Free $58
Paid in Full/EFT $30
Advance Quote $39
Online Quote $62
Total Discounts $357
Rate after discounts $595

Discounts are estimated and may not be available from every company or in every state.

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