Dodge Nitro Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Dodge Nitro are $1,012 a year for full coverage insurance. Comprehensive costs approximately $142, collision insurance costs $160, and liability costs around $530. A policy with only liability insurance costs as low as $584 a year, and a high-risk policy costs around $2,170. Teenage drivers pay the most at up to $4,192 a year.

Average premium for full coverage: $1,012

Premium estimates by type of coverage:

Comprehensive $142
Collision $160
Liability $530

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Nitro trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Dodge Nitro range from the low end price of $584 for basic liability insurance to a much higher rate of $2,170 for a driver who requires high-risk insurance.

Liability Only $584
Full Coverage $1,012
High Risk $2,170

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $759
Small Cities $1,063
Large Cities $1,366

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of using average rates.

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.

Rate Comparisons

The chart below illustrates average Dodge Nitro insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $627
  • Using higher $1,000 deductibles will save $70 each year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,012
  • Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,140
  • Drivers who are prone to accidents and violations could pay around $2,170
  • An auto insurance policy that insures a teen driver with full coverage can cost $4,192 or more

View Chart as Image

Dodge Nitro insurance cost comparison chart
Column chart showing Dodge Nitro insurance rates range from $627 to $4,192 for full coverage

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

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can be as much as 41% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Nitro insurance prices. A driver around age 40 might see prices as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,370 on average in Florida, New York, and Michigan.

Dodge Nitro Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $912 -$100 -9.9%
Alaska $774 -$238 -23.5%
Arizona $840 -$172 -17.0%
Arkansas $1,012 -$0 0.0%
California $1,152 $140 13.8%
Colorado $964 -$48 -4.7%
Connecticut $1,038 $26 2.6%
Delaware $1,146 $134 13.2%
Florida $1,264 $252 24.9%
Georgia $934 -$78 -7.7%
Hawaii $724 -$288 -28.5%
Idaho $684 -$328 -32.4%
Illinois $752 -$260 -25.7%
Indiana $762 -$250 -24.7%
Iowa $682 -$330 -32.6%
Kansas $958 -$54 -5.3%
Kentucky $1,376 $364 36.0%
Louisiana $1,498 $486 48.0%
Maine $624 -$388 -38.3%
Maryland $834 -$178 -17.6%
Massachusetts $808 -$204 -20.2%
Michigan $1,754 $742 73.3%
Minnesota $846 -$166 -16.4%
Mississippi $1,212 $200 19.8%
Missouri $896 -$116 -11.5%
Montana $1,086 $74 7.3%
Nebraska $798 -$214 -21.1%
Nevada $1,214 $202 20.0%
New Hampshire $730 -$282 -27.9%
New Jersey $1,130 $118 11.7%
New Mexico $896 -$116 -11.5%
New York $1,064 $52 5.1%
North Carolina $582 -$430 -42.5%
North Dakota $830 -$182 -18.0%
Ohio $698 -$314 -31.0%
Oklahoma $1,038 $26 2.6%
Oregon $926 -$86 -8.5%
Pennsylvania $962 -$50 -4.9%
Rhode Island $1,348 $336 33.2%
South Carolina $916 -$96 -9.5%
South Dakota $854 -$158 -15.6%
Tennessee $884 -$128 -12.6%
Texas $1,216 $204 20.2%
Utah $746 -$266 -26.3%
Vermont $692 -$320 -31.6%
Virginia $604 -$408 -40.3%
Washington $780 -$232 -22.9%
West Virginia $926 -$86 -8.5%
Wisconsin $698 -$314 -31.0%
Wyoming $900 -$112 -11.1%

View Chart as Image

Dodge Nitro insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $200 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $477 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Dodge Nitro Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Nitro Heat 2WD $976 $81
Dodge Nitro SE 2WD $976 $81
Dodge Nitro Heat 4WD $994 $83
Dodge Nitro SE 4WD $994 $83
Dodge Nitro SXT 2WD $994 $83
Dodge Nitro Detonator 2WD $1,012 $84
Dodge Nitro SXT 4WD $1,012 $84
Dodge Nitro Detonator 4WD $1,028 $86
Dodge Nitro Shock 2WD $1,028 $86
Dodge Nitro Shock 4WD $1,046 $87

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.

Dodge Nitro Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Dodge Nitro $172 $236 $534 $1,122
2009 Dodge Nitro $156 $196 $534 $1,066
2007 Dodge Nitro $142 $160 $530 $1,012

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 Affordable Dodge Nitro Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Compare prices at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a brief review of the concepts that were touched on above.

  • Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,160 more per year to insure a Dodge Nitro
  • Drivers under the age of 20 pay the highest auto insurance prices, with premiums being up to $349 per month if full coverage is purchased
  • It is possible to save around $110 per year just by shopping early and online
  • Increasing policy deductibles can save approximately $200 each year
  • It is possible to save around $110 per year just by shopping early and online

Rates by Driver Age

Dodge Nitro Insurance Rates by Driver Age
Driver Age Premium
16 $4,192
20 $2,310
30 $1,018
40 $1,012
50 $932
60 $910

Full coverage, $500 deductibles

Rates by Deductible

Dodge Nitro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,140
$250 $1,082
$500 $1,012
$1,000 $942

Full coverage, driver age 40

Rates by Liability Limit

Dodge Nitro Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,012
50/100 $1,152
100/300 $1,285
250/500 $1,629
100 CSL $1,205
300 CSL $1,497
500 CSL $1,709

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Nitro Insurance Rates for High Risk Drivers
Age Premium
16 $5,876
20 $3,676
30 $2,176
40 $2,170
50 $2,076
60 $2,056

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.

SR-22 Surcharge $133

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $55
Homeowner $19
5-yr Accident Free $57
5-yr Claim Free $62
Paid in Full/EFT $33
Advance Quote $42
Online Quote $67
Total Discounts $385
Rate after discounts $627

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles