Dodge Nitro SXT 2WD Insurance Rates

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Average insurance rates for a Dodge Nitro SXT 2WD are $1,320 a year for full coverage. Comprehensive costs approximately $284 each year, collision costs $446, and liability coverage costs around $410. Just liability insurance costs as low as $486 a year, with coverage for high-risk drivers costing around $2,826. Teenage drivers receive the highest rates at $4,958 a year or more.

Annual premium for full coverage: $1,320

Rate estimates by individual coverage:

Comprehensive $284
Collision $446
Liability $410

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Nitro Trim Level

For an average driver, prices go from the low end price of $486 for a discount liability-only rate to a high rate of $2,826 for a driver required to buy high-risk insurance.

Liability Only $486
Full Coverage $1,320
High Risk $2,826

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $990
Small Cities $1,386
Large Cities $1,782

These differences show why all drivers should compare prices using their specific location, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance prices for a Dodge Nitro SXT 2WD can also vary considerably based on the actual cash value of your Nitro, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be around 42% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Where you live has a huge impact on Dodge Nitro SXT 2WD insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $490 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $369 more each year. View Rates by Deductible or Liability Limit

With so much variability in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and rates can be significantly different.

View Chart as Image

Dodge Nitro SXT 2WD insurance cost comparison chart
Column chart showing Dodge Nitro SXT 2WD insurance prices range from $781 to $4,958 for full coverage

Chart shows Dodge Nitro SXT 2WD insurance prices for different risks and coverage choices. The cheapest price with discounts is $781. Drivers who use higher $1,000 deductibles will pay $1,154. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,320. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $1,638. Drivers with multiple violations and accidents could be charged as much as $2,826. The policy rate for full coverage insurance for a teenager can be as high as $4,958.

Dodge Nitro SXT 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,194 -$126 -9.5%
Alaska $1,012 -$308 -23.3%
Arizona $1,096 -$224 -17.0%
Arkansas $1,320 -$0 0.0%
California $1,504 $184 13.9%
Colorado $1,258 -$62 -4.7%
Connecticut $1,356 $36 2.7%
Delaware $1,494 $174 13.2%
Florida $1,652 $332 25.2%
Georgia $1,222 -$98 -7.4%
Hawaii $946 -$374 -28.3%
Idaho $894 -$426 -32.3%
Illinois $982 -$338 -25.6%
Indiana $996 -$324 -24.5%
Iowa $890 -$430 -32.6%
Kansas $1,252 -$68 -5.2%
Kentucky $1,800 $480 36.4%
Louisiana $1,954 $634 48.0%
Maine $816 -$504 -38.2%
Maryland $1,090 -$230 -17.4%
Massachusetts $1,054 -$266 -20.2%
Michigan $2,290 $970 73.5%
Minnesota $1,104 -$216 -16.4%
Mississippi $1,584 $264 20.0%
Missouri $1,170 -$150 -11.4%
Montana $1,418 $98 7.4%
Nebraska $1,040 -$280 -21.2%
Nevada $1,584 $264 20.0%
New Hampshire $952 -$368 -27.9%
New Jersey $1,478 $158 12.0%
New Mexico $1,168 -$152 -11.5%
New York $1,390 $70 5.3%
North Carolina $760 -$560 -42.4%
North Dakota $1,082 -$238 -18.0%
Ohio $912 -$408 -30.9%
Oklahoma $1,354 $34 2.6%
Oregon $1,210 -$110 -8.3%
Pennsylvania $1,258 -$62 -4.7%
Rhode Island $1,762 $442 33.5%
South Carolina $1,198 -$122 -9.2%
South Dakota $1,114 -$206 -15.6%
Tennessee $1,156 -$164 -12.4%
Texas $1,590 $270 20.5%
Utah $976 -$344 -26.1%
Vermont $902 -$418 -31.7%
Virginia $788 -$532 -40.3%
Washington $1,020 -$300 -22.7%
West Virginia $1,210 -$110 -8.3%
Wisconsin $914 -$406 -30.8%
Wyoming $1,176 -$144 -10.9%

View Chart as Image

Dodge Nitro SXT 2WD insurance rates by U.S. city

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Rates by Driver Age

Dodge Nitro SXT 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,958
20 $3,016
30 $1,370
40 $1,320
50 $1,206
60 $1,182

Full coverage, $500 deductibles

Rates by Deductible

Dodge Nitro SXT 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,492
$500 $1,320
$1,000 $1,154

Full coverage, driver age 40

Rates by Liability Limit

Dodge Nitro SXT 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,320
50/100 $1,402
100/300 $1,505
250/500 $1,771
100 CSL $1,443
300 CSL $1,669
500 CSL $1,833

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Nitro SXT 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,036
20 $4,780
30 $2,880
40 $2,826
50 $2,694
60 $2,670

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.

SR-22 Surcharge $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $91
5-yr Claim Free $83
Paid in Full/EFT $57
Advance Quote $62
Online Quote $91
Total Discounts $539
Rate after discounts $781

Discounts are estimated and may not be available from every company or in every state.

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