Dodge Nitro Insurance Rates
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UPDATED: May 25, 2024
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Estimated insurance prices for a Dodge Nitro are $976 every 12 months for full coverage insurance. Comprehensive insurance costs around $136, collision costs $150, and liability insurance costs $510. Liability-only coverage costs as little as $568 a year, with high-risk coverage costing $2,088 or more. Teen drivers pay the most at $4,048 a year or more.
Average premium for full coverage: $976
Premium estimates for type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 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 a driver around age 40, insurance rates for a Dodge Nitro go from the cheapest price of $568 for basic liability insurance to a much higher rate of $2,088 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying 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.
Rate Comparisons
The chart below illustrates estimated Dodge Nitro insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $608
- Drivers who choose higher $1,000 deductibles will pay about $66 each year
- The average price for a 40-year-old good driver using $500 deductibles is $976
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $122 a year
- High risk drivers with multiple violations and an at-fault accident could pay at least $2,088 or more
- An auto insurance policy to insure a teen driver with full coverage can be $4,048 a year
Insurance prices for a Dodge Nitro also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing high deductibles could save up to $190 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,100 to $1,700 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 42% to 125% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Dodge Nitro insurance rates. A 40-year-old driver could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,320 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to compare prices from as many companies as possible. Every company uses a different rate calculation, so the prices will be substantially 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 Shop for More Affordable Dodge Nitro Insurance
Finding better rates on Dodge Nitro insurance not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a summary of the data covered above.
- Drivers who may need additional liability coverage will pay about $560 annually to go from 30/60 bodily injury limits to a 250/500 level
- It is possible to save up to $100 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $200 each year
- 16 to 18-year-old drivers pay higher prices, with premiums being up to $337 per month if they have full coverage
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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