Dodge Nitro Insurance Rates
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Michelle Robbins
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UPDATED: May 25, 2024
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The average insurance rates for a Dodge Nitro are $952 a year with full coverage. Comprehensive costs approximately $126, collision insurance costs $142, and liability coverage costs $504. A liability-only policy costs as little as $564 a year, and high-risk insurance costs around $2,038. Teen drivers cost the most to insure at up to $3,978 a year.
Average premium for full coverage: $952
Policy rates by type of insurance:
Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Nitro trim levels.
Price Range Variability
Using a middle-aged driver as an example, Dodge Nitro insurance rates range from as low as $564 for your basic liability-only policy to a much higher rate of $2,038 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using 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.
More Rate Information
The chart below details average Dodge Nitro insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $595
- Drivers who choose higher $1,000 deductibles will pay $62 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $952
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,066
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,038
- Policy cost for full coverage for a teenage driver with full coverage can cost $3,978 a year
Car insurance rates for a Dodge Nitro also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $3,900 a year. View Rates by Age
Your home state makes a big difference in Dodge Nitro insurance rates. A 40-year-old driver could pay as low as $690 a year in states like Utah, Ohio, and New Hampshire, or as much as $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% |
Choosing high deductibles could save up to $180 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $453 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost around 40% to 128% more than average. View High Risk Driver Rates
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 Low Cost Dodge Nitro Insurance
Finding cheaper rates on auto insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and attention to physical damage deductibles. Take the time to comparison shop every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a review of the ideas that were touched on in the above illustrations.
- Drivers age 20 and younger pay the highest auto insurance rates, as much as $332 each month if full coverage is included
- Drivers who have several accidents or serious violations pay on average $1,090 more per year to buy Dodge Nitro insurance
- Increasing comprehensive and collision deductibles can save around $175 each year
- You may be able to save around $100 per year just 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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