Dodge Caliber Insurance Rates

U.S. average insurance rates for a Dodge Caliber are $870 a year with full coverage. Comprehensive insurance costs on average $114 a year, collision costs $152, and liability insurance is estimated at $446. A policy with just liability insurance costs approximately $500 a year, with coverage for high-risk drivers costing $1,874 or more. Teens pay the highest rates at $3,626 a year or more.

Average premium for full coverage: $870

Price estimates by individual coverage:

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Caliber trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects car insurance rates.

The ranges above demonstrate why it is important to get quotes based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below details estimated Dodge Caliber insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $537
• Choosing higher $1,000 deductibles can save around $808 annually
• The average rate for the average middle-age driver with $500 deductibles is $870
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $114 a year
• High-risk insureds with serious driving violations could pay upwards of $1,874 or more
• The price for full coverage for a teen driver may cost $3,626 each year

View Chart as Image

Insurance prices for a Dodge Caliber are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles could pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $3,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Caliber insurance rates. A good driver about age 40 could pay as low as $630 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,180 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $180 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,000 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 128% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer calculates prices differently, so the prices may be quite different from one company to the next.

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 Find the Best Cheap Dodge Caliber Insurance

Getting lower rates on Dodge Caliber insurance takes having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop at least every other year by getting price quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The next list is a quick review of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,000 more each year to buy Dodge Caliber insurance
• You may be able to save as much as $90 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $175 each year
• Drivers who require increased levels of liability coverage will pay approximately $490 every year to raise limits from a low limit to 250/500 limits