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 12, 2022

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The average auto insurance rates for a Dodge Nitro are $1,012 annually with full coverage. Comprehensive insurance costs approximately $142 each year, collision costs $160, and liability coverage costs $530. A liability-only policy costs as little as $584 a year, with high-risk insurance costing $2,170 or more. Teenage drivers cost the most to insure at $4,192 a year or more.

Average premium for full coverage: $1,012

Policy rates by type of insurance:

Comprehensive $142
Collision $160
Liability $530

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Nitro models.

Price Range Variability

For a driver in their 40's, Dodge Nitro insurance rates go from as cheap as $584 for liability-only coverage to a high rate of $2,170 for high-risk insurance.

Liability Only $584
Full Coverage $1,012
High Risk $2,170

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $759
Small Cities $1,063
Large Cities $1,366

The examples above demonstrate why all drivers should compare rates using their specific location 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 details estimated Dodge Nitro insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $627
  • Drivers who choose higher $1,000 deductibles will pay $70 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,012
  • Using low deductibles for comprehensive and collision insurance costs an additional $128 each year
  • High-risk insureds who are prone to accidents and violations could pay around $2,170 or more
  • Policy cost with full coverage for a teenage driver can cost $4,192 a year

View Chart as Image

Dodge Nitro insurance cost comparison chart
Column chart showing full coverage Dodge Nitro insurance prices range from $627 to $4,192

Car insurance rates for a Dodge Nitro also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $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 may be forking out anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost around 41% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $200 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $477 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Nitro insurance rates. A 40-year-old driver could pay as low as $730 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,370 on average in New York, Michigan, and Florida.

Dodge Nitro Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $912 -$100 -9.9%
Alaska $774 -$238 -23.5%
Arizona $840 -$172 -17.0%
Arkansas $1,012 -$0 0.0%
California $1,152 $140 13.8%
Colorado $964 -$48 -4.7%
Connecticut $1,038 $26 2.6%
Delaware $1,146 $134 13.2%
Florida $1,264 $252 24.9%
Georgia $934 -$78 -7.7%
Hawaii $724 -$288 -28.5%
Idaho $684 -$328 -32.4%
Illinois $752 -$260 -25.7%
Indiana $762 -$250 -24.7%
Iowa $682 -$330 -32.6%
Kansas $958 -$54 -5.3%
Kentucky $1,376 $364 36.0%
Louisiana $1,498 $486 48.0%
Maine $624 -$388 -38.3%
Maryland $834 -$178 -17.6%
Massachusetts $808 -$204 -20.2%
Michigan $1,754 $742 73.3%
Minnesota $846 -$166 -16.4%
Mississippi $1,212 $200 19.8%
Missouri $896 -$116 -11.5%
Montana $1,086 $74 7.3%
Nebraska $798 -$214 -21.1%
Nevada $1,214 $202 20.0%
New Hampshire $730 -$282 -27.9%
New Jersey $1,130 $118 11.7%
New Mexico $896 -$116 -11.5%
New York $1,064 $52 5.1%
North Carolina $582 -$430 -42.5%
North Dakota $830 -$182 -18.0%
Ohio $698 -$314 -31.0%
Oklahoma $1,038 $26 2.6%
Oregon $926 -$86 -8.5%
Pennsylvania $962 -$50 -4.9%
Rhode Island $1,348 $336 33.2%
South Carolina $916 -$96 -9.5%
South Dakota $854 -$158 -15.6%
Tennessee $884 -$128 -12.6%
Texas $1,216 $204 20.2%
Utah $746 -$266 -26.3%
Vermont $692 -$320 -31.6%
Virginia $604 -$408 -40.3%
Washington $780 -$232 -22.9%
West Virginia $926 -$86 -8.5%
Wisconsin $698 -$314 -31.0%
Wyoming $900 -$112 -11.1%

View Chart as Image

Dodge Nitro insurance rates by U.S. city

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 $976 $81
Dodge Nitro SE 2WD $976 $81
Dodge Nitro Heat 4WD $994 $83
Dodge Nitro SE 4WD $994 $83
Dodge Nitro SXT 2WD $994 $83
Dodge Nitro Detonator 2WD $1,012 $84
Dodge Nitro SXT 4WD $1,012 $84
Dodge Nitro Detonator 4WD $1,028 $86
Dodge Nitro Shock 2WD $1,028 $86
Dodge Nitro Shock 4WD $1,046 $87

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 $172 $236 $534 $1,122
2009 Dodge Nitro $156 $196 $534 $1,066
2007 Dodge Nitro $142 $160 $530 $1,012

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 Affordable Dodge Nitro Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the material that was covered in the charts and tables above.

  • Consumers who purchase higher liability limits will pay an extra $580 every year to go from a 30/60 limit to higher 250/500 limits
  • Teenagers pay the highest auto insurance rates, as much as $349 each month if comprehensive and collision insurance is included
  • Drivers with DUI or reckless driving convictions may pay on average $1,160 more per year for car insurance
  • Increasing comprehensive and collision deductibles could save up to $200 each year

Rates by Driver Age

Dodge Nitro Insurance Rates by Driver Age
Driver Age Premium
16 $4,192
20 $2,310
30 $1,018
40 $1,012
50 $932
60 $910

Full coverage, $500 deductibles

Rates by Deductible

Dodge Nitro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,140
$250 $1,082
$500 $1,012
$1,000 $942

Full coverage, driver age 40

Rates by Liability Limit

Dodge Nitro Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,012
50/100 $1,152
100/300 $1,285
250/500 $1,629
100 CSL $1,205
300 CSL $1,497
500 CSL $1,709

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Nitro Insurance Rates for High Risk Drivers
Age Premium
16 $5,876
20 $3,676
30 $2,176
40 $2,170
50 $2,076
60 $2,056

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 $133

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $55
Homeowner $19
5-yr Accident Free $57
5-yr Claim Free $62
Paid in Full/EFT $33
Advance Quote $42
Online Quote $67
Total Discounts $385
Rate after discounts $627

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

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