Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year for full coverage insurance. Comprehensive costs approximately $114 each year, collision costs $152, and liability insurance costs around $446. Buying just liability costs as low as $500 a year, with insurance for high-risk drivers costing around $1,874. Teen drivers cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates by type of insurance:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location and risk profile, rather than relying on price averages.

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

Additional Rate Analysis

The chart below illustrates estimated Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $537
• Using higher $1,000 deductibles will save $62 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $870
• Choosing low deductibles for physical damage coverage will increase the cost to $984
• Drivers with multiple violations and an at-fault accident could pay around $1,874 or more
• Policy cost for full coverage for a teen driver can cost $3,626 or more

View Chart as Image

Insurance rates for a Dodge Caliber also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $3,600 a year. View Rates by Age

Your home state has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see rates as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,180 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $180 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 128% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied 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 Low Cost Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance requires being safe and accident-free, maintaining good credit, being claim-free, and maximizing policy discounts. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a review of the data touched on in this article.

• Drivers who purchase more liability protection will pay about $490 annually to increase from a 30/60 limit to 250/500 limits
• It is possible to save around $90 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $175 each year
• Youthful drivers are expensive to insure, possibly costing $302 each month for full coverage