Dodge Nitro Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 25, 2024
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Average insurance prices for a Dodge Nitro are $976 every 12 months for full coverage insurance. Comprehensive insurance costs on average $136 each year, collision insurance costs $150, and liability coverage costs $510. A policy with just liability insurance costs as little as $568 a year, and coverage for high-risk drivers costs $2,088 or more. Teen drivers receive the highest rates at up to $4,048 a year.
Average premium for full coverage: $976
Rate estimates by individual coverage type:
These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Nitro models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $568 for just the minimum liability insurance to a high rate of $2,088 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on insurance rates. Rural areas tend to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than 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 illustrates average Dodge Nitro insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $608
- Drivers who choose higher $1,000 deductibles will pay around $66 each year
- The average price for a 40-year-old driver with $500 deductibles is $976
- Choosing low deductibles for comprehensive and collision insurance costs an extra $122 each year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,088
- The cost to insure a teenage driver may cost $4,048 a year
Insurance rates for a Dodge Nitro can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Nitro.
Choosing high deductibles could save up to $190 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,700 additional per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 125% more than average. View High Risk Driver Rates
Where you live makes a big difference in Dodge Nitro insurance rates. A 40-year-old driver could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,320 on average in Michigan, New York, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheap Dodge Nitro Insurance
Saving money on auto insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at least once a year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a brief summary of the primary concepts that were covered above.
- It is possible to save as much as $100 per year just by quoting online in advance
- Drivers that tend to have accidents or serious violations pay on average $1,110 more each year to insure their Nitro
- Increasing deductibles could save as much as $200 each year
- Teen drivers pay higher rates, costing up to $337 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,098 |
| $250 | $1,042 |
| $500 | $976 |
| $1,000 | $910 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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