Dodge Nitro Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 25, 2024
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Average insurance rates for a Dodge Nitro are $952 a year for full coverage insurance. Comprehensive insurance costs on average $126 each year, collision insurance costs $142, and liability costs $504. Liability-only coverage costs as little as $564 a year, and high-risk coverage costs $2,038 or more. Teen drivers receive the highest rates at up to $3,978 a year.
Average premium for full coverage: $952
Rate estimates by individual coverage type:
Includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Nitro models.
Price Range by Coverage and Risk
For an average driver, prices range range from the low end price of $564 for just liability coverage to a high rate of $2,038 for a driver that may need high-risk insurance.
Price Range by Location
Your location can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.
These examples illustrate why all drivers should compare rates based on a specific location, 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.
Detailed Rate Analysis
The chart below illustrates average Dodge Nitro insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $595
- Drivers who choose higher $1,000 deductibles will pay around $62 each year
- The estimated price for a 40-year-old driver with $500 deductibles is $952
- Choosing low deductibles for comprehensive and collision insurance will cost an additional $114 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,038
- The cost that insures a 16-year-old driver may cost $3,978 a year
Car insurance rates for a Dodge Nitro can also vary considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers can cost from 40% to 128% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $900 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $3,900 a year. View Rates by Age
Where you live makes a big difference in Dodge Nitro insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,290 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could save up to $180 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $453 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Cheapest Dodge Nitro Insurance
Saving money on insurance for a Dodge Nitro not only requires avoiding accidents and claims, but also having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a recap of the data that was covered in the above illustrations.
- It is possible to save as much as $100 per year just by quoting online in advance
- Insureds who require increased liability limits will pay about $550 annually to go from a minimum limit to the 250/500 level
- Drivers under the age of 20 are expensive to insure, costing up to $332 per month if full coverage is purchased
- Drivers considered higher risk that have major violations or accidents may pay on average $1,090 more each year to insure a Dodge Nitro
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,066 |
| $250 | $1,014 |
| $500 | $952 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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