Dodge Nitro Insurance Rates

The average auto insurance rates for a Dodge Nitro are $1,012 annually with full coverage. Comprehensive insurance costs approximately $142 each year, collision costs $160, and liability coverage costs $530. A liability-only policy costs as little as $584 a year, with high-risk insurance costing $2,170 or more. Teenage drivers cost the most to insure at $4,192 a year or more.

Average premium for full coverage: $1,012

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Nitro models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below details estimated Dodge Nitro insurance rates for additional coverage and risk scenarios.

• The best discount rate is $627
• Drivers who choose higher $1,000 deductibles will pay $70 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,012
• Using low deductibles for comprehensive and collision insurance costs an additional $128 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,170 or more
• Policy cost with full coverage for a teenage driver can cost $4,192 a year

View Chart as Image

Car insurance rates for a Dodge Nitro also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost around 41% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $200 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $477 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Nitro insurance rates. A 40-year-old driver could pay as low as $730 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,370 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Affordable Dodge Nitro Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the material that was covered in the charts and tables above.

• Consumers who purchase higher liability limits will pay an extra $580 every year to go from a 30/60 limit to higher 250/500 limits
• Teenagers pay the highest auto insurance rates, as much as $349 each month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions may pay on average $1,160 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $200 each year