Dodge Nitro Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 25, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Dodge Nitro are $996 a year for full coverage insurance. Comprehensive costs an estimated $140, collision costs $156, and liability costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing around $2,134. 16-year-old drivers pay the most at $4,126 a year or more.

Average premium for full coverage: $996

Premium estimates broken down by type of coverage:

Comprehensive $140
Collision $156
Liability $520

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Nitro models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Dodge Nitro go from the low end price of $576 for the bare minimum liability coverage to the much higher price of $2,134 for high-risk insurance.

Liability Only $576
Full Coverage $996
High Risk $2,134

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.

The example below illustrates how your location can change insurance prices.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

These rate differences illustrate why everyone should compare prices for a targeted area, instead of 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 Information

The chart below illustrates estimated Dodge Nitro insurance rates for other coverage scenarios.

  • The best full coverage rate is $619
  • Using higher $1,000 deductibles will save approximately $68 each year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $996
  • Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,122
  • Drivers with multiple tickets or accidents could pay up to $2,134 or more
  • An auto insurance policy that insures a teen driver for full coverage can cost as much as $4,126 or more

View Chart as Image

Dodge Nitro insurance cost comparison chart
Column chart showing full coverage Dodge Nitro insurance rates range from $619 to $4,126

Auto insurance prices for a Dodge Nitro also have a wide range based on the model of your Nitro, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,200 to $1,700 in extra premium annually, depending on your age. Dodge Nitro insurance for high-risk drivers can be as much as 41% to 134% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Nitro insurance prices. A driver around age 40 might see prices as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,340 on average in Florida, New York, and Michigan.

Dodge Nitro Insurance Rates by State
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%

View Chart as Image

Dodge Nitro insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $200 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, and quoted prices will be substantially different.

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 $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.

Dodge Nitro Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Dodge Nitro $166 $214 $540 $1,100
2010 Dodge Nitro $156 $196 $534 $1,066
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 Find Low Cost Dodge Nitro Insurance

Finding better rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Comparison shop every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The list below is a review of the material that was illustrated above.

  • Policyholders who want higher liability limits will pay around $570 annually to increase from 30/60 bodily injury limits to the 250/500 level
  • Teenagers are the costliest to insure, with premiums being up to $344 per month if the policy includes full coverage
  • Higher risk drivers who have several accidents or serious violations may have to pay on average $1,140 more annually for car insurance
  • Increasing policy deductibles can save approximately $200 each year

Rates by Driver Age

Dodge Nitro Insurance 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

Dodge Nitro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,122
$250 $1,066
$500 $996
$1,000 $928

Full coverage, driver age 40

Rates by Liability Limit

Dodge Nitro Insurance Rates with Different Liability Limits
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

Dodge Nitro Insurance 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.

SR-22 Surcharge $131

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
Rate after discounts $619

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles