Dodge Nitro Insurance Rates

The average auto insurance rates for a Dodge Nitro are $976 annually including full coverage. Comprehensive costs around $136, collision costs $150, and liability coverage is estimated at $510. Liability-only insurance costs approximately $568 a year, with high-risk driver insurance costing around $2,088. Teenage drivers cost the most to insure at $4,048 a year or more.

Average premium for full coverage: $976

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Nitro trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Dodge Nitro insurance rates for additional coverage choices and driver risks.

• The best discount rate is $608
• Choosing higher $1,000 deductibles can save about $66 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $976
• Using more expensive low deductibles for comp and collision coverage will cost $1,098
• Drivers who are prone to accidents and violations could pay at least $2,088 or more
• Policy cost with full coverage for a teenage driver with full coverage can be $4,048 each year

View Chart as Image

Auto insurance rates for a Dodge Nitro also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,100 to $1,700 in extra premium every year, depending on your age. High-risk driver insurance ranges around 42% to 125% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $190 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Dodge Nitro insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,390 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheaper Dodge Nitro Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the primary concepts that were touched on in this article.

• You may be able to save up to $100 per year simply by shopping early and online
• Drivers with multiple at-fault accidents may pay on average $1,110 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $200 each year
• Youthful drivers are expensive to insure, with premiums being up to $337 each month if full coverage is included