Dodge Nitro Insurance Rates
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Michelle Robbins
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UPDATED: May 25, 2024
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The average insurance rates for a Dodge Nitro are $952 a year with full coverage. Comprehensive costs an estimated $126 a year, collision insurance costs $142, and liability costs $504. Liability-only insurance costs as little as $564 a year, and high-risk driver insurance costs around $2,038. Teen drivers cost the most to insure at up to $3,978 a year.
Average premium for full coverage: $952
Policy rates broken down by type of insurance:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Nitro trim levels.
Price Range Variability
For the average 40-year-old driver, Dodge Nitro insurance rates range from as low as $564 for just the minimum liability insurance to a high of $2,038 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.
The examples above demonstrate why it is important to compare rates for a targeted area and risk profile, instead of using price 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.
Additional Rate Analysis
The chart below details average Dodge Nitro insurance rates for other coverage scenarios.
- The lowest rate with discounts is $595
- Drivers who choose higher $1,000 deductibles will pay approximately $890 annually
- The average rate for a good driver age 40 who has $500 deductibles is $952
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,066
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,038
- Policy cost for full coverage for a teen driver can cost as much as $3,978 a year
Auto insurance rates for a Dodge Nitro also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $3,900 a year. View Rates by Age
Your home state makes a big difference in Dodge Nitro insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,290 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $860 | -$92 | -9.7% |
| Alaska | $730 | -$222 | -23.3% |
| Arizona | $790 | -$162 | -17.0% |
| Arkansas | $952 | -$0 | 0.0% |
| California | $1,084 | $132 | 13.9% |
| Colorado | $908 | -$44 | -4.6% |
| Connecticut | $976 | $24 | 2.5% |
| Delaware | $1,078 | $126 | 13.2% |
| Florida | $1,190 | $238 | 25.0% |
| Georgia | $880 | -$72 | -7.6% |
| Hawaii | $682 | -$270 | -28.4% |
| Idaho | $644 | -$308 | -32.4% |
| Illinois | $708 | -$244 | -25.6% |
| Indiana | $716 | -$236 | -24.8% |
| Iowa | $642 | -$310 | -32.6% |
| Kansas | $904 | -$48 | -5.0% |
| Kentucky | $1,298 | $346 | 36.3% |
| Louisiana | $1,410 | $458 | 48.1% |
| Maine | $590 | -$362 | -38.0% |
| Maryland | $786 | -$166 | -17.4% |
| Massachusetts | $760 | -$192 | -20.2% |
| Michigan | $1,650 | $698 | 73.3% |
| Minnesota | $796 | -$156 | -16.4% |
| Mississippi | $1,140 | $188 | 19.7% |
| Missouri | $844 | -$108 | -11.3% |
| Montana | $1,020 | $68 | 7.1% |
| Nebraska | $750 | -$202 | -21.2% |
| Nevada | $1,142 | $190 | 20.0% |
| New Hampshire | $686 | -$266 | -27.9% |
| New Jersey | $1,064 | $112 | 11.8% |
| New Mexico | $844 | -$108 | -11.3% |
| New York | $1,004 | $52 | 5.5% |
| North Carolina | $548 | -$404 | -42.4% |
| North Dakota | $780 | -$172 | -18.1% |
| Ohio | $656 | -$296 | -31.1% |
| Oklahoma | $976 | $24 | 2.5% |
| Oregon | $870 | -$82 | -8.6% |
| Pennsylvania | $908 | -$44 | -4.6% |
| Rhode Island | $1,272 | $320 | 33.6% |
| South Carolina | $864 | -$88 | -9.2% |
| South Dakota | $804 | -$148 | -15.5% |
| Tennessee | $832 | -$120 | -12.6% |
| Texas | $1,146 | $194 | 20.4% |
| Utah | $704 | -$248 | -26.1% |
| Vermont | $652 | -$300 | -31.5% |
| Virginia | $570 | -$382 | -40.1% |
| Washington | $734 | -$218 | -22.9% |
| West Virginia | $872 | -$80 | -8.4% |
| Wisconsin | $658 | -$294 | -30.9% |
| Wyoming | $848 | -$104 | -10.9% |
Choosing high deductibles could save up to $180 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $453 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 40% to 128% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Nitro Heat 2WD | $922 | $77 |
| Dodge Nitro SE 2WD | $922 | $77 |
| Dodge Nitro Heat 4WD | $936 | $78 |
| Dodge Nitro SE 4WD | $936 | $78 |
| Dodge Nitro SXT 2WD | $936 | $78 |
| Dodge Nitro Detonator 2WD | $952 | $79 |
| Dodge Nitro SXT 4WD | $952 | $79 |
| Dodge Nitro Detonator 4WD | $968 | $81 |
| Dodge Nitro Shock 2WD | $968 | $81 |
| Dodge Nitro Shock 4WD | $982 | $82 |
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 | $146 | $178 | $534 | $1,038 |
| 2010 Dodge Nitro | $142 | $160 | $530 | $1,012 |
| 2009 Dodge Nitro | $140 | $156 | $520 | $996 |
| 2007 Dodge Nitro | $126 | $142 | $504 | $952 |
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 More Affordable Dodge Nitro Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having good credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a summary of the car insurance concepts touched on in this article.
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,090 more annually to buy Dodge Nitro insurance
- You may be able to save approximately $100 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $175 each year
- Policyholders who want increased levels of liability coverage will pay about $550 every year to go from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,978 |
| 20 | $2,178 |
| 30 | $956 |
| 40 | $952 |
| 50 | $878 |
| 60 | $858 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,066 |
| $250 | $1,014 |
| $500 | $952 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $952 |
| 50/100 | $1,083 |
| 100/300 | $1,209 |
| 250/500 | $1,536 |
| 100 CSL | $1,133 |
| 300 CSL | $1,410 |
| 500 CSL | $1,612 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,568 |
| 20 | $3,464 |
| 30 | $2,046 |
| 40 | $2,038 |
| 50 | $1,954 |
| 60 | $1,934 |
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 | $46 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $30 |
| Advance Quote | $39 |
| Online Quote | $62 |
| Total Discounts | $357 |
Discounts are estimated and may not be available from every company or in every state.
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