Dodge Nitro Insurance Rates
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UPDATED: Jun 4, 2023
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Average auto insurance rates for a Dodge Nitro are $996 annually with full coverage. Comprehensive costs an estimated $140, collision costs $156, and liability costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing around $2,134. Teenage drivers receive the highest rates at $4,126 a year or more.
Average premium for full coverage: $996
Rate estimates broken down by individual coverage type:
These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Nitro trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $576 for just the minimum liability insurance to a much higher rate of $2,134 for high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities.
The price range example below illustrates how where you live affects insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, 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.
Additional Rate Analysis
The chart below details estimated Dodge Nitro insurance rates for other coverage scenarios.
- The best discount rate is $619
- Drivers who choose higher $1,000 deductibles will pay approximately $68 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $996
- Using more expensive low deductibles for comprehensive and collision insurance will cost $1,122
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,134 or more
- The cost with full coverage for a teen driver with full coverage can cost as much as $4,126 a year
Auto insurance rates for a Dodge Nitro can also vary considerably based on the trim level of your Nitro, your driving record, and liability limits and deductibles.
An older driver with a good driving record and high physical damage deductibles may pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,200 to $1,700 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 41% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $200 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Dodge Nitro insurance prices. A 40-year-old driver could pay as low as $720 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,340 on average in New York, Michigan, 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% |
With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
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 |
| 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 Buy Cheap Dodge Nitro Insurance
Saving money on car insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a brief summary of the material that was touched on in the above illustrations.
- Policyholders who want more liability coverage will pay an extra $570 every year to go from a minimum limit to higher 250/500 limits
- Teen drivers are the costliest to insure, with premiums as much as $344 per month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,140 more annually to insure their Nitro
- Increasing deductibles could save up to $200 each year
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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