Dodge Nitro Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 25, 2024
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Estimated auto insurance rates for a Dodge Nitro are $976 annually for full coverage. Comprehensive insurance costs an estimated $136, collision insurance costs $150, and liability costs $510. Liability-only coverage costs as little as $568 a year, and high-risk coverage costs $2,088 or more. 16-year-old drivers pay the most at up to $4,048 a year.
Average premium for full coverage: $976
Premium estimates broken down by type of coverage:
These estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Nitro trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Dodge Nitro range from as cheap as $568 for just liability coverage to a much higher rate of $2,088 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based 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.
Detailed Rate Analysis
The chart below shows average Dodge Nitro insurance rates for other coverage scenarios.
- The best full coverage rate is $608
- Drivers who choose higher $1,000 deductibles will pay approximately $66 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $976
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $122 annually
- Drivers with multiple tickets or accidents could pay up to $2,088
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $4,048 a year
Insurance prices for a Dodge Nitro also have a wide range based on the model of your Nitro, your driver profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,100 to $1,700 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 125% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $190 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Dodge Nitro insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or at least $1,390 on average in New York, Louisiana, and Michigan.
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% |
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 Buy Cheap Dodge Nitro Insurance
Finding better rates on insurance for a Dodge Nitro not only requires having a good driving record, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by getting quotes from direct carriers, and also from local exclusive and independent agents.
The next list is a brief summary of the primary concepts that were covered in the above illustrations.
- Drivers can save approximately $100 per year just by shopping early and online
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,110 more annually to buy Dodge Nitro insurance
- Increasing policy deductibles could save up to $200 each year
- Drivers age 20 and younger are charged the highest prices, as much as $337 per month including comprehensive and collision insurance
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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