Dodge Nitro Insurance Rates
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UPDATED: Jun 4, 2023
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,140 |
| $250 | $1,082 |
| $500 | $1,012 |
| $1,000 | $942 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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