Dodge Nitro Insurance Rates

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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

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Estimated insurance prices for a Dodge Nitro are $976 every 12 months for full coverage. Comprehensive insurance costs an estimated $136 each year, collision costs $150, and liability coverage costs around $510. Liability-only coverage costs as low as $568 a year, with high-risk coverage costing $2,088 or more. 16-year-old drivers pay the most at $4,048 a year or more.

Average premium for full coverage: $976

Premium estimates broken down by type of coverage:

Comprehensive $136
Collision $150
Liability $510

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Nitro models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Dodge Nitro go from the cheapest price of $568 for your basic liability-only policy to a high rate of $2,088 for high-risk insurance.

Liability Only $568
Full Coverage $976
High Risk $2,088

Insurance Price Range by Location

Where you live has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $732
Small Cities $1,025
Large Cities $1,318

These rate differences show why all drivers should compare prices for a targeted area and their own driving history, rather than 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.

More Rate Information

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

  • The best full coverage rate is $608
  • Using higher $1,000 deductibles will save approximately $66 a year
  • The average price for a 40-year-old good driver who has $500 deductibles is $976
  • Buying low deductibles for physical damage coverage costs an extra $122 each year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,088 or more
  • An auto insurance policy to insure a teenage driver can cost as much as $4,048 or more

View Chart as Image

Dodge Nitro insurance cost comparison chart
Column chart showing full coverage Dodge Nitro insurance prices range from $608 to $4,048

Insurance prices for a Dodge Nitro also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles could cut prices by as much as $190 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,100 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can be around 42% to 125% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Dodge Nitro insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Iowa, Maine, and Idaho, or at least $1,390 on average in New York, Louisiana, and Michigan.

Dodge Nitro Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $880 -$96 -9.8%
Alaska $746 -$230 -23.6%
Arizona $812 -$164 -16.8%
Arkansas $976 -$0 0.0%
California $1,112 $136 13.9%
Colorado $928 -$48 -4.9%
Connecticut $1,002 $26 2.7%
Delaware $1,102 $126 12.9%
Florida $1,222 $246 25.2%
Georgia $900 -$76 -7.8%
Hawaii $700 -$276 -28.3%
Idaho $662 -$314 -32.2%
Illinois $726 -$250 -25.6%
Indiana $736 -$240 -24.6%
Iowa $656 -$320 -32.8%
Kansas $926 -$50 -5.1%
Kentucky $1,330 $354 36.3%
Louisiana $1,442 $466 47.7%
Maine $602 -$374 -38.3%
Maryland $804 -$172 -17.6%
Massachusetts $780 -$196 -20.1%
Michigan $1,694 $718 73.6%
Minnesota $814 -$162 -16.6%
Mississippi $1,168 $192 19.7%
Missouri $864 -$112 -11.5%
Montana $1,048 $72 7.4%
Nebraska $770 -$206 -21.1%
Nevada $1,170 $194 19.9%
New Hampshire $704 -$272 -27.9%
New Jersey $1,090 $114 11.7%
New Mexico $864 -$112 -11.5%
New York $1,028 $52 5.3%
North Carolina $562 -$414 -42.4%
North Dakota $800 -$176 -18.0%
Ohio $672 -$304 -31.1%
Oklahoma $1,002 $26 2.7%
Oregon $894 -$82 -8.4%
Pennsylvania $928 -$48 -4.9%
Rhode Island $1,300 $324 33.2%
South Carolina $886 -$90 -9.2%
South Dakota $824 -$152 -15.6%
Tennessee $852 -$124 -12.7%
Texas $1,174 $198 20.3%
Utah $722 -$254 -26.0%
Vermont $668 -$308 -31.6%
Virginia $584 -$392 -40.2%
Washington $754 -$222 -22.7%
West Virginia $894 -$82 -8.4%
Wisconsin $674 -$302 -30.9%
Wyoming $868 -$108 -11.1%

View Chart as Image

Dodge Nitro insurance rates by U.S. city

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so the 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 $944 $79
Dodge Nitro SE 2WD $944 $79
Dodge Nitro Heat 4WD $960 $80
Dodge Nitro SE 4WD $960 $80
Dodge Nitro SXT 2WD $960 $80
Dodge Nitro Detonator 2WD $976 $81
Dodge Nitro SXT 4WD $976 $81
Dodge Nitro Detonator 4WD $994 $83
Dodge Nitro Shock 2WD $994 $83
Dodge Nitro Shock 4WD $1,008 $84

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 $156 $196 $534 $1,066
2010 Dodge Nitro $146 $178 $534 $1,038
2009 Dodge Nitro $142 $160 $530 $1,012
2007 Dodge Nitro $136 $150 $510 $976

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 Shop for Low Cost Dodge Nitro Insurance

Finding better rates on auto insurance requires being safe and accident-free, having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every couple of years by requesting rates from direct carriers, and also from several local insurance agents.

Below you'll find a review of the material that was covered in the above illustrations.

  • Consumers who want more liability protection will pay around $560 each year to increase from 30/60 bodily injury limits to a 250/500 level
  • Youthful drivers are charged the highest prices, as much as $337 per month if they have full coverage
  • Drivers who have several accidents or serious violations pay on average $1,110 more annually than a low-risk driver
  • Increasing policy deductibles could save as much as $200 each year

Rates by Driver Age

Dodge Nitro Insurance Rates by Driver Age
Driver Age Premium
16 $4,048
20 $2,226
30 $982
40 $976
50 $900
60 $880

Full coverage, $500 deductibles

Rates by Deductible

Dodge Nitro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,098
$250 $1,042
$500 $976
$1,000 $910

Full coverage, driver age 40

Rates by Liability Limit

Dodge Nitro Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $976
50/100 $1,110
100/300 $1,238
250/500 $1,569
100 CSL $1,161
300 CSL $1,442
500 CSL $1,646

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Nitro Insurance Rates for High Risk Drivers
Age Premium
16 $5,668
20 $3,542
30 $2,094
40 $2,088
50 $2,000
60 $1,980

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 $127

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $54
5-yr Claim Free $60
Paid in Full/EFT $31
Advance Quote $40
Online Quote $64
Total Discounts $368
Rate after discounts $608

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

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