Dodge Nitro Insurance Rates
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Michelle Robbins
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UPDATED: May 25, 2024
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Average insurance rates for a Dodge Nitro are $952 a year with full coverage. Comprehensive insurance costs around $126, collision insurance costs $142, and liability coverage costs $504. Buying just liability costs as little as $564 a year, and insurance for high-risk drivers costs $2,038 or more. Teen drivers receive the highest rates at up to $3,978 a year.
Average premium for full coverage: $952
Rate estimates for individual coverage type:
Prices are based on $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all Nitro models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $564 for your basic liability-only policy to the much higher price of $2,038 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.
These examples demonstrate why everyone should compare rates for a specific zip code and risk profile, 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.
More Rate Information
The chart below details average Dodge Nitro insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $595
- Drivers who choose higher $1,000 deductibles will pay about $62 annually
- The average rate for a 40-year-old driver using $500 deductibles is $952
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $114 each year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,038
- The cost for full coverage for a teenage driver for full coverage can be $3,978 a year
Auto insurance rates for a Dodge Nitro can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $3,900 a year. View Rates by Age
Where you live makes a big difference in Dodge Nitro insurance rates. A 40-year-old driver could pay as low as $690 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,290 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $860 | -$92 | -9.7% |
| Alaska | $730 | -$222 | -23.3% |
| Arizona | $790 | -$162 | -17.0% |
| Arkansas | $952 | -$0 | 0.0% |
| California | $1,084 | $132 | 13.9% |
| Colorado | $908 | -$44 | -4.6% |
| Connecticut | $976 | $24 | 2.5% |
| Delaware | $1,078 | $126 | 13.2% |
| Florida | $1,190 | $238 | 25.0% |
| Georgia | $880 | -$72 | -7.6% |
| Hawaii | $682 | -$270 | -28.4% |
| Idaho | $644 | -$308 | -32.4% |
| Illinois | $708 | -$244 | -25.6% |
| Indiana | $716 | -$236 | -24.8% |
| Iowa | $642 | -$310 | -32.6% |
| Kansas | $904 | -$48 | -5.0% |
| Kentucky | $1,298 | $346 | 36.3% |
| Louisiana | $1,410 | $458 | 48.1% |
| Maine | $590 | -$362 | -38.0% |
| Maryland | $786 | -$166 | -17.4% |
| Massachusetts | $760 | -$192 | -20.2% |
| Michigan | $1,650 | $698 | 73.3% |
| Minnesota | $796 | -$156 | -16.4% |
| Mississippi | $1,140 | $188 | 19.7% |
| Missouri | $844 | -$108 | -11.3% |
| Montana | $1,020 | $68 | 7.1% |
| Nebraska | $750 | -$202 | -21.2% |
| Nevada | $1,142 | $190 | 20.0% |
| New Hampshire | $686 | -$266 | -27.9% |
| New Jersey | $1,064 | $112 | 11.8% |
| New Mexico | $844 | -$108 | -11.3% |
| New York | $1,004 | $52 | 5.5% |
| North Carolina | $548 | -$404 | -42.4% |
| North Dakota | $780 | -$172 | -18.1% |
| Ohio | $656 | -$296 | -31.1% |
| Oklahoma | $976 | $24 | 2.5% |
| Oregon | $870 | -$82 | -8.6% |
| Pennsylvania | $908 | -$44 | -4.6% |
| Rhode Island | $1,272 | $320 | 33.6% |
| South Carolina | $864 | -$88 | -9.2% |
| South Dakota | $804 | -$148 | -15.5% |
| Tennessee | $832 | -$120 | -12.6% |
| Texas | $1,146 | $194 | 20.4% |
| Utah | $704 | -$248 | -26.1% |
| Vermont | $652 | -$300 | -31.5% |
| Virginia | $570 | -$382 | -40.1% |
| Washington | $734 | -$218 | -22.9% |
| West Virginia | $872 | -$80 | -8.4% |
| Wisconsin | $658 | -$294 | -30.9% |
| Wyoming | $848 | -$104 | -10.9% |
Choosing high deductibles could save up to $180 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $453 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,100 to $1,600 in extra premium per year, depending on your age. Dodge Nitro insurance for high-risk drivers can cost around 40% to 128% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Nitro Heat 2WD | $922 | $77 |
| Dodge Nitro SE 2WD | $922 | $77 |
| Dodge Nitro Heat 4WD | $936 | $78 |
| Dodge Nitro SE 4WD | $936 | $78 |
| Dodge Nitro SXT 2WD | $936 | $78 |
| Dodge Nitro Detonator 2WD | $952 | $79 |
| Dodge Nitro SXT 4WD | $952 | $79 |
| Dodge Nitro Detonator 4WD | $968 | $81 |
| Dodge Nitro Shock 2WD | $968 | $81 |
| Dodge Nitro Shock 4WD | $982 | $82 |
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 | $146 | $178 | $534 | $1,038 |
| 2010 Dodge Nitro | $142 | $160 | $530 | $1,012 |
| 2009 Dodge Nitro | $140 | $156 | $520 | $996 |
| 2007 Dodge Nitro | $126 | $142 | $504 | $952 |
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 Affordable Dodge Nitro Insurance
Saving money on auto insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates once a year by requesting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following is a brief review of the data that was touched on in this article.
- You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
- Consumers who may need higher liability limits will pay about $550 every year to go from a minimum limit to 250/500 limits
- Teens are expensive to insure, with premiums as much as $332 per month if they have full coverage
- Drivers with DUI or reckless driving convictions pay an average of $1,090 more every year for Nitro insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,978 |
| 20 | $2,178 |
| 30 | $956 |
| 40 | $952 |
| 50 | $878 |
| 60 | $858 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,066 |
| $250 | $1,014 |
| $500 | $952 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $952 |
| 50/100 | $1,083 |
| 100/300 | $1,209 |
| 250/500 | $1,536 |
| 100 CSL | $1,133 |
| 300 CSL | $1,410 |
| 500 CSL | $1,612 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,568 |
| 20 | $3,464 |
| 30 | $2,046 |
| 40 | $2,038 |
| 50 | $1,954 |
| 60 | $1,934 |
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 | $46 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $30 |
| Advance Quote | $39 |
| Online Quote | $62 |
| Total Discounts | $357 |
Discounts are estimated and may not be available from every company or in every state.
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