Dodge Nitro Insurance Rates: How much is Dodge Nitro car insurance?

The average Dodge Nitro car insurance rates are $99/month, The Dodge Nitro was discontinued in 2012, so you may see increased car insurance rates because older cars can be more expensive to insure. Finding Dodge Nitro teenager insurance coverage can cost on average $4,342 a year, so shop around to find cheap Dodge Nitro insurance rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Jun 20, 2020

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Here's what you need to know...

  • Full coverage costs around $1,188 a year or $99 each month
  • A liability-only policy costs around $477 a year or $40 each month
  • Highest rates are for teenage drivers at around $4,342 a year or $362 each month
  • Good drivers can save as much as $490 a year by earning policy discounts
  • Dodge Nitro insurance costs around $331 less per year than the average vehicle
  • The Dodge Nitro was last produced for model year 2012
  • Older vehicles are typically less expensive to insure, so if you purchase an older Nitro, it will probably cost you less to buy and to insure than a newer one
  • There are many personal factors that go into your car insurance, one of the most important is your driving history. Keep a clean record and your rates will decrease

Dodge Nitro car insurance rates cost $331 less than the average vehicle. This is great news if you just started your journey to secure cheap Dodge Nitro rates that you can feel good about.

Some of the factors that influence Dodge Nitro insurance rates include the safety features of the model, age of the vehicle, and your personal driving record. We are going to explore all of these topics and more to help you in your search for an affordable policy.

You can start comparing quotes for Dodge Nitro car insurance rates from some of the best car insurance companies by using our free online tool now.

Dodge Nitro Insurance Cost

The average Dodge Nitro auto insurance rates are $1,188 a year or $99 a month.

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Are Dodge Nitros Expensive to Insure?

The chart below details how Dodge Nitro insurance rates compare to other SUVs like the Jaguar F-PACE, Chevrolet Suburban, and GMC Terrain.

Vehicle Comprehensive Collision Liability Total
Jaguar F-PACE $470 $982 $398 $2,008
Chevrolet Suburban $336 $532 $372 $1,398
GMC Terrain $322 $562 $316 $1,336
Jeep Cherokee $348 $626 $466 $1,640
Ford Expedition $336 $532 $316 $1,320
Jeep Grand Cherokee $322 $562 $372 $1,414
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However, there are a few things you can do to find the cheapest Dodge insurance rates online.

What Impacts the Cost of Dodge Nitro Insurance?

Even though the average annual rate for the Dodge Nitro is $1,188, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Dodge Nitro.

Age of the Vehicle

The average Dodge Nitro auto insurance rates are higher for newer models. For example, auto insurance for a 2011 Dodge Nitro costs $1,188, while 2010 Dodge Nitro insurance costs are $1,166, a difference of $22.

Model Year Comprehensive Collision Liability Total
2011 Dodge Nitro $196 $292 $520 $1,188
2010 Dodge Nitro $190 $272 $524 $1,166
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Driver Age

Driver age can have a significant impact on Dodge Nitro auto insurance rates. As an example, a 40-year-old driver could pay $125 less each month for their Dodge Nitro auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Dodge Nitro insurance rates. For example, drivers in Phoenix may pay $653 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Dodge Nitro car insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Nitro car insurance with violations on their driving record.

Dodge Nitro Safety Ratings

Your Dodge Nitro auto insurance rates are tied to the Dodge Nitro’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front Good
Side Marginal
Roof strength Good
Head restraints and seats Acceptable
Source: Insurance Institute for Highway Safety
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Dodge Nitro Crash Test Ratings

Not only do good Dodge Nitro crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Dodge Nitro auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Dodge Nitro N/R N/R N/R 3 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Dodge Nitro Safety Features

The numerous safety features of the Dodge Nitro help contribute to lower insurance rates. The 2011 Dodge Nitro has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control

Dodge Nitro Finance and Insurance Cost

When financing a Dodge Nitro, most lenders will require your carry higher Dodge Nitro coverage options including comprehensive coverage, so be sure to shop around and compare Dodge Nitro car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Dodge Nitro Insurance

If you want to reduce the cost of your Dodge Nitro insurance rates, follow these tips below:

  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Don’t Always Pick the Cheapest Dodge Nitro Insurance Policy
  • Install an Aftermarket Anti-Theft Device for Your Dodge Nitro
  • Don’t Assume your Dodge Nitro is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Don’t Skimp On Dodge Nitro Liability Coverage

Top Dodge Nitro Insurance Companies

Who is the top car insurance company for Dodge Nitro insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Nitro auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Nitro offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Dodge Nitro Insurance Quotes Online

You can start comparing quotes for Dodge Nitro auto insurance rates from some of the best auto insurance companies by using our free online tool now.

If you have just purchased a Dodge Nitro, you probably have spent a fair bit of cash on your SUV.

However, the cost doesn’t stop there; in addition to whatever payments you are going to be making to you lender for your SUV, you will also have to consider other costs, such as your auto insurance.

Enter your ZIP code right now to get online car insurance quotes for your Dodge Nitro!

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How do those things impact my Dodge Nitro car insurance costs?

The reason that this distinction is important to understand is that your rates may be much lower or higher depending on a number of different factors, which is why you should always get car insurance quotes before you purchase auto insurance.

If you are considering buying a Dodge Nitro but you haven’t made a decision yet, then you should consider getting a quote before you make your purchase.

You aren’t obligated to make a purchase when you get a Dodge Nitro car insurance quote, which means that you can check out the insurance rates for any vehicle that you want before you make a purchase and know pretty much exactly what you will have to pay for your coverage.

Using a free quote tool, however, is a better way to get quotes than visiting individual insurance companies. That is because each insurance company is going to want all of your personal information before they will provide you with a quote.

Once they give you a quote, you will receive emails and phone calls from each insurance company you have gotten a quote from. This can be pretty frustrating if you aren’t ready to make a purchase.

With a quote tool, you are only providing the necessary information for giving you an accurate quote. You won’t have to provide your email address or your street address, your zip code is good enough in terms of location!

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What are some of the factors that will determine my insurance cost for a Dodge Nitro?

The first thing that will factor into your cost is the year that your Dodge Nitro was made.

An older Dodge Nitro will cost less to insure than a newer one. That is because a new Dodge Nitro in 2012 cost about $22,000 without any of the extras and you could have paid as much as $32,000 for a fully loaded model.

A used Dodge Nitro fully loaded with low mileage can cost as little as $10,000.

The reason that this is so important is that if you have an accident or your Nitro is stolen, the insurance company will have to pay you the value of your vehicle. The higher the value, the more your insurance will cost.

The car insurance company does not pay what you owe on your vehicle if you have an auto accident. If it is available in your area, you may want to consider auto gap insurance to cover the cost to your lender if you have an accident that totals your vehicle or if your vehicle is stolen.

You want to purchase your Dodge Nitro with all of the safety features available. This will help to keep your costs low, too.

Another factor that the insurance company considers is you. They want to know the answers to these questions:

  • How old are you?
  • How long have you been driving?
  • Did you go to college?
  • Do you have a degree?
  • Are you married?
  • Do you have kids?
  • What is your credit score?
  • What is your gender?

Your age is a major contributing factor in how much you will pay for your auto insurance. If you are a teenager or young adult (under 25), you have the pleasure of paying higher rates for your insurance because statistically, younger drivers are worse drivers.

Even if you are a fantastic driver that has never had an accident, if you are young, you are considered high-risk. The good news is that your rates will decrease each year that you don’t have an accident and eventually will become very affordable.

When you become a senior citizen, you might see a rate increase as well. Simply put, your reaction time slows as you age. As such, the insurance company considers you to be a higher-risk driver.

The good news is that your rates won’t increase exponentially; they will probably increase by 10% to 20%.

For some time, your gender will also have an effect on your rates. 16-year-old boys are more expensive to insure than 16-year-old girls, although the difference isn’t that high.

However, when you turn 18, there will be a significant difference between the cost of males and females. This starts to average out between genders when you turn 25.

Another consideration that insurance companies will make is whether you are married. Married couples are considered to be more responsible because they have more responsibilities.

In addition, if you have children, you may see a decrease in your rates as well.

What are some ways I can save money on my Dodge Nitro insurance?

  • One of the ways that you can save money on your Nitro insurance is to take safety driving courses. Insurance companies offer discounts for people who go out of their way to learn to stay safe.
  • Another way to save is to buy an older Nitro instead of a newer one.
  • Other ways to save money are by shopping around, keeping unsafe drivers off of your insurance policy, choose a higher deductible option, choosing lower insurance coverage and taking advantage of the discounts offered by the insurance company.

If you add someone as a secondary driver to your vehicle that has a bad driving record, this will cause your rates to increase.

The truth is, if someone has a history of unsafe driving, you probably don’t want them to drive your vehicle anyway!

If you do decide to choose a higher deductible, you need to make sure that you keep that deductible amount in your bank account just in case you have an accident and you need to pay that money to repair your vehicle.

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Where can I compare rates for my Dodge Nitro insurance?

To compare rates on your auto insurance, you can start right here with our free quote tool. Quote tools allow you to compare the costs of different insurance companies all in a single location.

Comparing this way makes the process very easy and it will be clear how much you can expect to pay for your auto insurance.

Enter your ZIP code now and compare online car insurance quotes for your Dodge Nitro!

References:

  1. https://en.wikipedia.org/wiki/Dodge_Nitro
  2. http://articles.philly.com/2015-12-28/news/69337162_1_car-insurance-rate-auto-insurance-insurance-quotes-com
  3. https://www.huffingtonpost.com/laura-adams/how-age-gender-and-marital-status-affect-your-car-insurance_b_6973360.html
  4. https://www.cbsnews.com/news/how-men-can-beat-gender-bias-in-car-insurance/
  5. https://www.rmiia.org/auto/teens/Buying_Auto_Insurance.asp

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