Dodge Nitro Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 25, 2024
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The average insurance prices for a Dodge Nitro are $952 every 12 months with full coverage. Comprehensive costs around $126, collision costs $142, and liability is estimated at $504. A liability-only policy costs approximately $564 a year, with high-risk insurance costing around $2,038. Teen drivers cost the most to insure at $3,978 a year or more.
Average premium for full coverage: $952
Policy rates for type of insurance:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Nitro trim levels.
Price Range Variability
For an average driver, Dodge Nitro insurance rates go from the cheapest price of $564 for the bare minimum liability coverage to a much higher rate of $2,038 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, 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.
Additional Rate Information
The chart below details estimated Dodge Nitro insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $595
- Choosing higher $1,000 deductibles can save about $62 annually
- The average price for a good driver age 40 using $500 deductibles is $952
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,066
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,038 or more
- Policy cost to insure a 16-year-old driver with full coverage can be $3,978 each year
Car insurance rates for a Dodge Nitro also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing high deductibles can save as much as $180 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $453 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance ranges from 40% to 128% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Dodge Nitro insurance prices. A good driver about age 40 could pay as low as $690 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,290 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be varied.
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 Shop for Affordable Dodge Nitro Insurance
Finding cheaper rates on insurance for a Dodge Nitro takes being safe and accident-free, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by requesting quotes from direct companies, and also from several local insurance agents.
Below you'll find a brief review of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,090 more every year than a low-risk driver
- Youthful drivers are the costliest to insure, as much as $332 each month if the policy includes full coverage
- You may be able to save up to $100 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $175 each year
- You may be able to save up to $100 per year simply by shopping early and online
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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