Dodge Nitro Insurance Rates

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UPDATED: May 25, 2024

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Estimated insurance prices for a Dodge Nitro are $976 every 12 months with full coverage. Comprehensive costs around $136 a year, collision insurance costs $150, and liability coverage is estimated at $510. A liability-only policy costs approximately $568 a year, and high-risk insurance costs around $2,088. 16-year-old drivers pay the most at up to $4,048 a year.

Average premium for full coverage: $976

Premium estimates for type of coverage:

Comprehensive $136
Collision $150
Liability $510

Rates are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Nitro trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Dodge Nitro range from the cheapest price of $568 for minimum levels of liability insurance to a high of $2,088 for high-risk insurance.

Liability Only $568
Full Coverage $976
High Risk $2,088

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.

Rural Areas $732
Small Cities $1,025
Large Cities $1,318

These rate differences demonstrate why it is important to get quotes for a specific zip code and their own driving history, rather than using 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.

Additional Rate Details

The chart below details average Dodge Nitro insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $608
  • Choosing higher $1,000 deductibles can save about $910 annually
  • The average price for a 40-year-old good driver using $500 deductibles is $976
  • Buying low $100 deductibles for comp and collision coverage increases the price to $1,098
  • Drivers with multiple tickets or accidents could pay at least $2,088
  • An auto insurance policy to insure a teenage driver can be $4,048 each year

View Chart as Image

Dodge Nitro insurance cost comparison chart
Column chart showing Dodge Nitro insurance rates range from $608 to $4,048 for full coverage

Auto insurance prices for a Dodge Nitro also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $190 a year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,100 to $1,700 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 125% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Dodge Nitro insurance rates. A good driver about age 40 could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or at least $1,320 on average in Florida, Michigan, and New York.

Dodge Nitro Insurance Rates by State
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%

View Chart as Image

Dodge Nitro insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Dodge Nitro Insurance Rates by Model and Trim Level
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.

Dodge Nitro Insurance Rates by Model Year
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 Shop for the Best Cheap Dodge Nitro Insurance

Finding better rates on auto insurance takes being safe and accident-free, having a good credit score, being claim-free, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting rates from direct companies, and also from several local insurance agents.

Below you'll find a quick review of the material that was illustrated above.

  • Consumers who may need more liability protection will pay around $560 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
  • Youthful drivers are expensive to insure, possibly costing $337 per month if comprehensive and collision insurance is included
  • Drivers with a DUI or reckless driving violation pay on average $1,110 more every year than a low-risk driver
  • Increasing policy deductibles could save as much as $200 each year

Rates by Driver Age

Dodge Nitro Insurance 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

Dodge Nitro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,098
$250 $1,042
$500 $976
$1,000 $910

Full coverage, driver age 40

Rates by Liability Limit

Dodge Nitro Insurance Rates with Different Liability Limits
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

Dodge Nitro Insurance 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.

SR-22 Surcharge $127

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
Rate after discounts $608

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

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