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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U.S. average insurance rates for a Dodge Nitro are $976 a year with full coverage. Comprehensive insurance costs on average $136 a year, collision costs $150, and liability is $510. Liability-only insurance costs around $568 a year, with high-risk driver insurance costing $2,088 or more. Teens pay the highest rates at $4,048 a year or more.
Average premium for full coverage: $976
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Nitro trim levels.
Price Range from Low to High
For the average driver, Dodge Nitro insurance prices go from the low end price of $568 for just liability coverage to a high of $2,088 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts car insurance rates.
The ranges above demonstrate why it is important to compare rates quotes based on a specific location, instead of using averaged prices.
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 different risk profiles and scenarios.
- The cheapest rate after discounts is $608
- Raising to $1,000 deductibles will save around $910 annually
- The estimated price for the average middle-age driver with $500 deductibles is $976
- Selecting low $100 deductibles will cost an additional $122 every year
- At-risk drivers with serious driving violations could pay upwards of $2,088 or more
- The price that insures a teen driver may cost $4,048
Car insurance prices for a Dodge Nitro are also quite variable based on the trim level of your Nitro, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,100 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 125% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,000 a year. View Rates by Age
The state you live in also has a big influence on Dodge Nitro insurance prices. A middle-age driver might find prices as low as $700 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,320 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $880 | -$96 | -9.8% |
| Alaska | $746 | -$230 | -23.6% |
| Arizona | $812 | -$164 | -16.8% |
| Arkansas | $976 | -$0 | 0.0% |
| California | $1,112 | $136 | 13.9% |
| Colorado | $928 | -$48 | -4.9% |
| Connecticut | $1,002 | $26 | 2.7% |
| Delaware | $1,102 | $126 | 12.9% |
| Florida | $1,222 | $246 | 25.2% |
| Georgia | $900 | -$76 | -7.8% |
| Hawaii | $700 | -$276 | -28.3% |
| Idaho | $662 | -$314 | -32.2% |
| Illinois | $726 | -$250 | -25.6% |
| Indiana | $736 | -$240 | -24.6% |
| Iowa | $656 | -$320 | -32.8% |
| Kansas | $926 | -$50 | -5.1% |
| Kentucky | $1,330 | $354 | 36.3% |
| Louisiana | $1,442 | $466 | 47.7% |
| Maine | $602 | -$374 | -38.3% |
| Maryland | $804 | -$172 | -17.6% |
| Massachusetts | $780 | -$196 | -20.1% |
| Michigan | $1,694 | $718 | 73.6% |
| Minnesota | $814 | -$162 | -16.6% |
| Mississippi | $1,168 | $192 | 19.7% |
| Missouri | $864 | -$112 | -11.5% |
| Montana | $1,048 | $72 | 7.4% |
| Nebraska | $770 | -$206 | -21.1% |
| Nevada | $1,170 | $194 | 19.9% |
| New Hampshire | $704 | -$272 | -27.9% |
| New Jersey | $1,090 | $114 | 11.7% |
| New Mexico | $864 | -$112 | -11.5% |
| New York | $1,028 | $52 | 5.3% |
| North Carolina | $562 | -$414 | -42.4% |
| North Dakota | $800 | -$176 | -18.0% |
| Ohio | $672 | -$304 | -31.1% |
| Oklahoma | $1,002 | $26 | 2.7% |
| Oregon | $894 | -$82 | -8.4% |
| Pennsylvania | $928 | -$48 | -4.9% |
| Rhode Island | $1,300 | $324 | 33.2% |
| South Carolina | $886 | -$90 | -9.2% |
| South Dakota | $824 | -$152 | -15.6% |
| Tennessee | $852 | -$124 | -12.7% |
| Texas | $1,174 | $198 | 20.3% |
| Utah | $722 | -$254 | -26.0% |
| Vermont | $668 | -$308 | -31.6% |
| Virginia | $584 | -$392 | -40.2% |
| Washington | $754 | -$222 | -22.7% |
| West Virginia | $894 | -$82 | -8.4% |
| Wisconsin | $674 | -$302 | -30.9% |
| Wyoming | $868 | -$108 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $190 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Nitro Heat 2WD | $944 | $79 |
| Dodge Nitro SE 2WD | $944 | $79 |
| Dodge Nitro Heat 4WD | $960 | $80 |
| Dodge Nitro SE 4WD | $960 | $80 |
| Dodge Nitro SXT 2WD | $960 | $80 |
| Dodge Nitro Detonator 2WD | $976 | $81 |
| Dodge Nitro SXT 4WD | $976 | $81 |
| Dodge Nitro Detonator 4WD | $994 | $83 |
| Dodge Nitro Shock 2WD | $994 | $83 |
| Dodge Nitro Shock 4WD | $1,008 | $84 |
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 | $156 | $196 | $534 | $1,066 |
| 2010 Dodge Nitro | $146 | $178 | $534 | $1,038 |
| 2009 Dodge Nitro | $142 | $160 | $530 | $1,012 |
| 2007 Dodge Nitro | $136 | $150 | $510 | $976 |
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 Best Dodge Nitro Insurance
Getting lower rates on car insurance consists of avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at every other renewal by requesting rates from direct companies, and also from several local insurance agents.
The list below is a brief recap of the concepts that were touched on above.
- Higher risk drivers who tend to receive serious violations pay on average $1,110 more each year for car insurance
- Teenagers are expensive to insure, costing up to $337 a month if full coverage is purchased
- You may be able to save as much as $100 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $200 each year
- You may be able to save as much as $100 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,048 |
| 20 | $2,226 |
| 30 | $982 |
| 40 | $976 |
| 50 | $900 |
| 60 | $880 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,098 |
| $250 | $1,042 |
| $500 | $976 |
| $1,000 | $910 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $976 |
| 50/100 | $1,110 |
| 100/300 | $1,238 |
| 250/500 | $1,569 |
| 100 CSL | $1,161 |
| 300 CSL | $1,442 |
| 500 CSL | $1,646 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,668 |
| 20 | $3,542 |
| 30 | $2,094 |
| 40 | $2,088 |
| 50 | $2,000 |
| 60 | $1,980 |
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 | $48 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $31 |
| Advance Quote | $40 |
| Online Quote | $64 |
| Total Discounts | $368 |
Discounts are estimated and may not be available from every company or in every state.
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