Dodge Nitro Insurance Rates
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Michelle Robbins
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UPDATED: May 25, 2024
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Average auto insurance rates for a Dodge Nitro are $952 annually with full coverage. Comprehensive insurance costs an estimated $126, collision costs $142, and liability coverage is $504. A liability-only policy costs around $564 a year, with high-risk insurance costing $2,038 or more. 16-year-old drivers receive the highest rates at $3,978 a year or more.
Average premium for full coverage: $952
Rate estimates broken down by individual coverage type:
Full coverage includes $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Nitro models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $564 for just liability coverage to the much higher price of $2,038 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than congested cities.
The example below illustrates how location helps determine insurance prices.
These examples demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using rate 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 details estimated Dodge Nitro insurance rates for other coverage scenarios.
- The best full coverage rate is $595
- Raising to $1,000 deductibles will save approximately $62 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $952
- Buying pricier low deductibles costs an additional $114 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,038 or more
- The cost with full coverage for a teenage driver for full coverage can cost as much as $3,978
Insurance rates for a Dodge Nitro can also vary considerably based on the trim level of your Nitro, your driving record, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,100 to $1,600 extra per year, depending on your age. Dodge Nitro insurance for high-risk drivers is expensive and can cost around 40% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $180 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $453 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Dodge Nitro insurance rates. A middle-age driver might find rates as low as $690 a year in states like Utah, Ohio, and New Hampshire, or at least $1,290 on average in New York, Michigan, 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% |
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different between companies.
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 Buy More Affordable Dodge Nitro Insurance
Saving money on auto insurance consists of not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The following is a summary of the data that was covered in the charts and tables above.
- You may be able to save approximately $100 per year simply by quoting online well ahead of the renewal date
- Consumers who want higher liability limits will pay around $550 every year to raise from a minimum limit to higher 250/500 limits
- Teens are charged the highest rates, with premiums as much as $332 per month including comprehensive and collision insurance
- Drivers who have multiple accidents or major violations pay on average $1,090 more annually for Nitro insurance
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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