Dodge Nitro Insurance Rates
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UPDATED: Jun 4, 2023
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The average auto insurance rates for a Dodge Nitro are $996 annually including full coverage. Comprehensive costs around $140, collision costs $156, and liability coverage is estimated at $520. Liability-only insurance costs approximately $576 a year, with high-risk driver insurance costing around $2,134. Teenage drivers cost the most to insure at $4,126 a year or more.
Average premium for full coverage: $996
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Nitro trim levels.
Price Range Variability
For the average 40-year-old driver, Dodge Nitro insurance rates go from as cheap as $576 for liability-only coverage to a much higher rate of $2,134 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than using average rates.
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 Charts and Tables
The chart below breaks down estimated Dodge Nitro insurance rates for additional coverage choices and driver risks.
- The best discount rate is $619
- Choosing higher $1,000 deductibles can save about $68 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $996
- Using more expensive low deductibles for comp and collision coverage will cost $1,122
- Drivers who are prone to accidents and violations could pay at least $2,134 or more
- Policy cost with full coverage for a teenage driver with full coverage can be $4,126 each year
Auto insurance rates for a Dodge Nitro also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $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 are likely paying at least $1,200 to $1,700 in extra premium every year, depending on your age. High-risk driver insurance ranges around 41% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $200 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Dodge Nitro insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,420 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $900 | -$96 | -9.6% |
Alaska | $762 | -$234 | -23.5% |
Arizona | $828 | -$168 | -16.9% |
Arkansas | $996 | -$0 | 0.0% |
California | $1,132 | $136 | 13.7% |
Colorado | $948 | -$48 | -4.8% |
Connecticut | $1,020 | $24 | 2.4% |
Delaware | $1,126 | $130 | 13.1% |
Florida | $1,246 | $250 | 25.1% |
Georgia | $918 | -$78 | -7.8% |
Hawaii | $714 | -$282 | -28.3% |
Idaho | $674 | -$322 | -32.3% |
Illinois | $740 | -$256 | -25.7% |
Indiana | $750 | -$246 | -24.7% |
Iowa | $672 | -$324 | -32.5% |
Kansas | $944 | -$52 | -5.2% |
Kentucky | $1,356 | $360 | 36.1% |
Louisiana | $1,474 | $478 | 48.0% |
Maine | $614 | -$382 | -38.4% |
Maryland | $820 | -$176 | -17.7% |
Massachusetts | $796 | -$200 | -20.1% |
Michigan | $1,726 | $730 | 73.3% |
Minnesota | $832 | -$164 | -16.5% |
Mississippi | $1,192 | $196 | 19.7% |
Missouri | $882 | -$114 | -11.4% |
Montana | $1,068 | $72 | 7.2% |
Nebraska | $786 | -$210 | -21.1% |
Nevada | $1,194 | $198 | 19.9% |
New Hampshire | $716 | -$280 | -28.1% |
New Jersey | $1,112 | $116 | 11.6% |
New Mexico | $880 | -$116 | -11.6% |
New York | $1,048 | $52 | 5.2% |
North Carolina | $574 | -$422 | -42.4% |
North Dakota | $816 | -$180 | -18.1% |
Ohio | $686 | -$310 | -31.1% |
Oklahoma | $1,020 | $24 | 2.4% |
Oregon | $912 | -$84 | -8.4% |
Pennsylvania | $948 | -$48 | -4.8% |
Rhode Island | $1,328 | $332 | 33.3% |
South Carolina | $902 | -$94 | -9.4% |
South Dakota | $840 | -$156 | -15.7% |
Tennessee | $868 | -$128 | -12.9% |
Texas | $1,198 | $202 | 20.3% |
Utah | $734 | -$262 | -26.3% |
Vermont | $682 | -$314 | -31.5% |
Virginia | $596 | -$400 | -40.2% |
Washington | $768 | -$228 | -22.9% |
West Virginia | $912 | -$84 | -8.4% |
Wisconsin | $688 | -$308 | -30.9% |
Wyoming | $886 | -$110 | -11.0% |
Because rates have so much variability, the best way to figure out your exact price is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Dodge Nitro Heat 2WD | $962 | $80 |
Dodge Nitro SE 2WD | $962 | $80 |
Dodge Nitro Heat 4WD | $978 | $82 |
Dodge Nitro SE 4WD | $978 | $82 |
Dodge Nitro SXT 2WD | $978 | $82 |
Dodge Nitro Detonator 2WD | $996 | $83 |
Dodge Nitro SXT 4WD | $996 | $83 |
Dodge Nitro Detonator 4WD | $1,012 | $84 |
Dodge Nitro Shock 2WD | $1,012 | $84 |
Dodge Nitro Shock 4WD | $1,030 | $86 |
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 | $166 | $214 | $540 | $1,100 |
2009 Dodge Nitro | $146 | $178 | $534 | $1,038 |
2007 Dodge Nitro | $140 | $156 | $520 | $996 |
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 Buy Cheaper Dodge Nitro Insurance
Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a condensed summary of the primary concepts that were touched on in this article.
- You may be able to save up to $110 per year simply by shopping early and online
- Drivers with multiple at-fault accidents may pay on average $1,140 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles could save up to $200 each year
- Youthful drivers are expensive to insure, with premiums being up to $344 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,126 |
20 | $2,272 |
30 | $1,000 |
40 | $996 |
50 | $916 |
60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,122 |
$250 | $1,066 |
$500 | $996 |
$1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $996 |
50/100 | $1,134 |
100/300 | $1,264 |
250/500 | $1,602 |
100 CSL | $1,186 |
300 CSL | $1,472 |
500 CSL | $1,680 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,784 |
20 | $3,618 |
30 | $2,140 |
40 | $2,134 |
50 | $2,042 |
60 | $2,020 |
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 | $49 |
Multi-vehicle | $54 |
Homeowner | $19 |
5-yr Accident Free | $56 |
5-yr Claim Free | $61 |
Paid in Full/EFT | $32 |
Advance Quote | $41 |
Online Quote | $65 |
Total Discounts | $377 |
Discounts are estimated and may not be available from every company or in every state.
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