Dodge Nitro Insurance Rates

Estimated insurance prices for a Dodge Nitro are $952 every 12 months including full coverage. Comprehensive insurance costs an estimated $126 each year, collision costs $142, and liability costs $504. Liability-only coverage costs as little as $564 a year, with high-risk coverage costing $2,038 or more. Teenage drivers pay the most at $3,978 a year or more.

Average premium for full coverage: $952

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Nitro models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

These rate differences highlight why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down estimated Dodge Nitro insurance rates for other coverage scenarios.

• The best discount rate is $595
• Drivers who choose higher $1,000 deductibles will pay approximately $62 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $952
• Using low deductibles for comprehensive and collision insurance costs an extra $114 annually
• Drivers who are prone to accidents and violations could pay up to $2,038 or more
• An auto insurance policy to insure a 16-year-old driver can cost as much as $3,978 a year

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Insurance prices for a Dodge Nitro also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $180 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $453 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers can cost from 40% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Nitro insurance prices. A 40-year-old driver could pay as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,360 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for More Affordable Dodge Nitro Insurance

Finding better rates on insurance for a Dodge Nitro not only requires avoiding accidents and claims, but also having good credit, refrain from filing small claims, and taking advantage of discounts. Invest time comparing rates at least every other year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The points below are a summary of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,090 more annually to insure a Dodge Nitro
• You may be able to save approximately $100 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $175 each year
• Insureds who want increased liability limits will pay an extra $550 per year to go from 30/60 bodily injury limits to a 250/500 level