Dodge Nitro Insurance Rates
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UPDATED: May 25, 2024
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The average insurance rates for a Dodge Nitro are $996 a year with full coverage. Comprehensive costs on average $140 a year, collision insurance costs $156, and liability costs $520. Buying just liability costs as little as $576 a year, and insurance for high-risk drivers costs around $2,134. Teens cost the most to insure at up to $4,126 a year.
Average premium for full coverage: $996
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Nitro trim levels.
Price Range Variability
For the average 40-year-old driver, Dodge Nitro insurance rates range from the low end price of $576 for basic liability insurance to a high of $2,134 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on car insurance rates.
The examples above demonstrate why it is important to compare rates based on a specific location, instead of using averaged prices.
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.
Rate Comparisons
The chart below details average Dodge Nitro insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $619
- Drivers who choose higher $1,000 deductibles will pay around $928 annually
- The estimated price for a good driver age 40 with $500 deductibles is $996
- Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,122
- Higher-risk drivers with serious driving violations could pay upwards of $2,134
- Policy cost that insures a teen driver may cost $4,126 a year
Insurance rates for a Dodge Nitro also range considerably based on the trim level of your Nitro, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 134% more than the average policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,100 a year. View Rates by Age
Your home state makes a big difference in Dodge Nitro insurance prices. A 40-year-old driver could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,340 on average in Florida, Michigan, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $200 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit
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 |
| 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 Affordable Dodge Nitro Insurance
Finding cheaper rates on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and determing if full coverage is necessary. Compare rates every other policy renewal by getting price quotes from direct companies, and also from several local insurance agents.
The following list is a brief review of the ideas that were touched on in this article.
- Drivers age 16 to 20 pay the highest rates, as much as $344 each month if full coverage is included
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,140 more each year than a safer driver
- Increasing comprehensive and collision deductibles can save approximately $200 each year
- You may be able to save as much as $110 per year just by quoting early and online
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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