Dodge Nitro Insurance Rates
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UPDATED: May 25, 2024
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U.S. average insurance prices for a Dodge Nitro are $996 every 12 months for full coverage insurance. Comprehensive insurance costs on average $140, collision costs $156, and liability costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance costing $2,134 or more. Teenage drivers pay the highest rates at $4,126 a year or more.
Average premium for full coverage: $996
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Nitro trim levels.
Price Range from Low to High
For an average driver, Dodge Nitro insurance prices go from the cheapest price of $576 for just liability insurance to a much higher rate of $2,134 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates the effect of geographic area on car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on 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.
More Rate Details
The chart below illustrates estimated Dodge Nitro insurance rates for different risk profiles and scenarios.
- The best discount rate is $619
- Using higher $1,000 deductibles will save around $68 each year
- The average price for the average middle-age driver with $500 deductibles is $996
- Using more expensive low deductibles for physical damage coverage costs an extra $126 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,134 or more
- The price to insure a 16-year-old driver with full coverage may cost $4,126 or more
Car insurance prices for a Dodge Nitro are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Nitro.
Using high physical damage deductibles could cut prices by as much as $200 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance can be from 41% to 134% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Dodge Nitro insurance prices. A driver around age 40 might see prices as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,340 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, 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 | $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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Dodge Nitro | $166 | $214 | $540 | $1,100 |
| 2010 Dodge Nitro | $156 | $196 | $534 | $1,066 |
| 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 Shop for Cheaper Dodge Nitro Insurance
Getting lower rates on insurance for a Dodge Nitro requires being safe and accident-free, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a condensed summary of the primary concepts that were covered in the above illustrations.
- It is possible to save as much as $110 per year simply by shopping early and online
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,140 more each year than a low-risk driver
- Increasing physical damage deductibles could save as much as $200 each year
- Youthful drivers are expensive to insure, as much as $344 a month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,122 |
| $250 | $1,066 |
| $500 | $996 |
| $1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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