Dodge Nitro Insurance Rates

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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

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The average insurance rates for a Dodge Nitro are $996 a year including full coverage. Comprehensive insurance costs an estimated $140, collision costs $156, and liability insurance costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing $2,134 or more. 16-year-old drivers cost the most to insure at $4,126 a year or more.

Average premium for full coverage: $996

Policy rates broken down by type of insurance:

Comprehensive $140
Collision $156
Liability $520

Includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Nitro models.

Price Range Variability

For an average driver, Dodge Nitro insurance rates go from the low end price of $576 for minimum levels of liability insurance to the much higher price of $2,134 for a high-risk insurance policy.

Liability Only $576
Full Coverage $996
High Risk $2,134

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

The examples above highlight why everyone should compare prices for a targeted area, rather than relying on 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.

Additional Rate Details

The chart below breaks down estimated Dodge Nitro insurance rates for other coverage scenarios.

  • The best full coverage rate is $619
  • Using higher $1,000 deductibles will save approximately $68 every year
  • The estimated price for a good driver age 40 who has $500 deductibles is $996
  • Buying pricier low deductibles for physical damage coverage will cost an additional $126 a year
  • Drivers with multiple tickets or accidents could pay up to $2,134 or more
  • Policy cost that insures a teen driver for full coverage can cost as much as $4,126 or more

View Chart as Image

Dodge Nitro insurance cost comparison chart
Column chart showing full coverage Dodge Nitro insurance prices range from $619 to $4,126

Car insurance rates for a Dodge Nitro also range considerably based on the model of your Nitro, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,200 to $1,700 extra every year, depending on your age. Dodge Nitro insurance for high-risk drivers can be anywhere from 41% to 134% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Nitro insurance rates. A driver around age 40 might see rates as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,420 on average in Louisiana, New York, and Michigan.

Dodge Nitro Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $900 -$96 -9.6%
Alaska $762 -$234 -23.5%
Arizona $828 -$168 -16.9%
Arkansas $996 -$0 0.0%
California $1,132 $136 13.7%
Colorado $948 -$48 -4.8%
Connecticut $1,020 $24 2.4%
Delaware $1,126 $130 13.1%
Florida $1,246 $250 25.1%
Georgia $918 -$78 -7.8%
Hawaii $714 -$282 -28.3%
Idaho $674 -$322 -32.3%
Illinois $740 -$256 -25.7%
Indiana $750 -$246 -24.7%
Iowa $672 -$324 -32.5%
Kansas $944 -$52 -5.2%
Kentucky $1,356 $360 36.1%
Louisiana $1,474 $478 48.0%
Maine $614 -$382 -38.4%
Maryland $820 -$176 -17.7%
Massachusetts $796 -$200 -20.1%
Michigan $1,726 $730 73.3%
Minnesota $832 -$164 -16.5%
Mississippi $1,192 $196 19.7%
Missouri $882 -$114 -11.4%
Montana $1,068 $72 7.2%
Nebraska $786 -$210 -21.1%
Nevada $1,194 $198 19.9%
New Hampshire $716 -$280 -28.1%
New Jersey $1,112 $116 11.6%
New Mexico $880 -$116 -11.6%
New York $1,048 $52 5.2%
North Carolina $574 -$422 -42.4%
North Dakota $816 -$180 -18.1%
Ohio $686 -$310 -31.1%
Oklahoma $1,020 $24 2.4%
Oregon $912 -$84 -8.4%
Pennsylvania $948 -$48 -4.8%
Rhode Island $1,328 $332 33.3%
South Carolina $902 -$94 -9.4%
South Dakota $840 -$156 -15.7%
Tennessee $868 -$128 -12.9%
Texas $1,198 $202 20.3%
Utah $734 -$262 -26.3%
Vermont $682 -$314 -31.5%
Virginia $596 -$400 -40.2%
Washington $768 -$228 -22.9%
West Virginia $912 -$84 -8.4%
Wisconsin $688 -$308 -30.9%
Wyoming $886 -$110 -11.0%

View Chart as Image

Dodge Nitro insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $200 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes will be varied.

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 $962 $80
Dodge Nitro SE 2WD $962 $80
Dodge Nitro Heat 4WD $978 $82
Dodge Nitro SE 4WD $978 $82
Dodge Nitro SXT 2WD $978 $82
Dodge Nitro Detonator 2WD $996 $83
Dodge Nitro SXT 4WD $996 $83
Dodge Nitro Detonator 4WD $1,012 $84
Dodge Nitro Shock 2WD $1,012 $84
Dodge Nitro Shock 4WD $1,030 $86

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 $166 $214 $540 $1,100
2009 Dodge Nitro $146 $178 $534 $1,038
2007 Dodge Nitro $140 $156 $520 $996

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 Cheapest Dodge Nitro Insurance

Finding cheaper rates on Dodge Nitro insurance requires having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Comparison shop at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a recap of the car insurance concepts covered in the above illustrations.

  • High-risk drivers that have major violations or accidents could be charged and average of $1,140 more annually to buy Dodge Nitro insurance
  • You may be able to save approximately $110 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $200 each year
  • Drivers who want increased levels of liability coverage will pay around $570 per year to increase from a 30/60 limit to the 250/500 level

Rates by Driver Age

Dodge Nitro Insurance Rates by Driver Age
Driver Age Premium
16 $4,126
20 $2,272
30 $1,000
40 $996
50 $916
60 $896

Full coverage, $500 deductibles

Rates by Deductible

Dodge Nitro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,122
$250 $1,066
$500 $996
$1,000 $928

Full coverage, driver age 40

Rates by Liability Limit

Dodge Nitro Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $996
50/100 $1,134
100/300 $1,264
250/500 $1,602
100 CSL $1,186
300 CSL $1,472
500 CSL $1,680

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Nitro Insurance Rates for High Risk Drivers
Age Premium
16 $5,784
20 $3,618
30 $2,140
40 $2,134
50 $2,042
60 $2,020

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 $131

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $54
Homeowner $19
5-yr Accident Free $56
5-yr Claim Free $61
Paid in Full/EFT $32
Advance Quote $41
Online Quote $65
Total Discounts $377
Rate after discounts $619

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

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