Dodge Caliber Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
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U.S. average auto insurance rates for a Dodge Caliber are $894 annually including full coverage. Comprehensive costs on average $124 a year, collision costs $160, and liability insurance costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing around $1,920. Teen drivers pay the highest rates at $3,692 a year or more.
Average premium for full coverage: $894
Price estimates by individual coverage:
These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Caliber trim levels.
Price Range from Low to High
For a driver around age 40, Dodge Caliber insurance prices go from as cheap as $504 for just liability coverage to a high of $1,920 for a high-risk insurance policy.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above highlight why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on price averages.
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.
Detailed Rate Analysis
The chart below breaks down estimated Dodge Caliber insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $551
- Using higher $1,000 deductibles will save around $828 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $894
- Choosing low $100 deductibles for physical damage coverage will cost $1,016
- Drivers with multiple violations and an at-fault accident could pay upwards of $1,920 or more
- The price with full coverage for a teen driver may cost $3,692 or more
Insurance prices for a Dodge Caliber are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $3,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $190 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see prices as low as $690 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,280 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $808 | -$86 | -9.6% |
| Alaska | $686 | -$208 | -23.3% |
| Arizona | $740 | -$154 | -17.2% |
| Arkansas | $894 | -$0 | 0.0% |
| California | $1,018 | $124 | 13.9% |
| Colorado | $852 | -$42 | -4.7% |
| Connecticut | $920 | $26 | 2.9% |
| Delaware | $1,010 | $116 | 13.0% |
| Florida | $1,118 | $224 | 25.1% |
| Georgia | $822 | -$72 | -8.1% |
| Hawaii | $642 | -$252 | -28.2% |
| Idaho | $604 | -$290 | -32.4% |
| Illinois | $664 | -$230 | -25.7% |
| Indiana | $672 | -$222 | -24.8% |
| Iowa | $602 | -$292 | -32.7% |
| Kansas | $850 | -$44 | -4.9% |
| Kentucky | $1,220 | $326 | 36.5% |
| Louisiana | $1,322 | $428 | 47.9% |
| Maine | $550 | -$344 | -38.5% |
| Maryland | $736 | -$158 | -17.7% |
| Massachusetts | $716 | -$178 | -19.9% |
| Michigan | $1,552 | $658 | 73.6% |
| Minnesota | $748 | -$146 | -16.3% |
| Mississippi | $1,068 | $174 | 19.5% |
| Missouri | $792 | -$102 | -11.4% |
| Montana | $958 | $64 | 7.2% |
| Nebraska | $706 | -$188 | -21.0% |
| Nevada | $1,070 | $176 | 19.7% |
| New Hampshire | $644 | -$250 | -28.0% |
| New Jersey | $998 | $104 | 11.6% |
| New Mexico | $790 | -$104 | -11.6% |
| New York | $940 | $46 | 5.1% |
| North Carolina | $516 | -$378 | -42.3% |
| North Dakota | $732 | -$162 | -18.1% |
| Ohio | $618 | -$276 | -30.9% |
| Oklahoma | $918 | $24 | 2.7% |
| Oregon | $818 | -$76 | -8.5% |
| Pennsylvania | $852 | -$42 | -4.7% |
| Rhode Island | $1,192 | $298 | 33.3% |
| South Carolina | $808 | -$86 | -9.6% |
| South Dakota | $752 | -$142 | -15.9% |
| Tennessee | $782 | -$112 | -12.5% |
| Texas | $1,078 | $184 | 20.6% |
| Utah | $662 | -$232 | -26.0% |
| Vermont | $610 | -$284 | -31.8% |
| Virginia | $534 | -$360 | -40.3% |
| Washington | $690 | -$204 | -22.8% |
| West Virginia | $818 | -$76 | -8.5% |
| Wisconsin | $618 | -$276 | -30.9% |
| Wyoming | $796 | -$98 | -11.0% |
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $878 | $73 |
| Dodge Caliber Heat | $878 | $73 |
| Dodge Caliber SE | $878 | $73 |
| Dodge Caliber Mainstreet | $902 | $75 |
| Dodge Caliber Rush | $902 | $75 |
| Dodge Caliber SXT | $902 | $75 |
| Dodge Caliber Uptown | $902 | $75 |
| Dodge Caliber R/T | $918 | $77 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Dodge Caliber | $150 | $228 | $478 | $1,014 |
| 2011 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2010 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2009 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2008 Dodge Caliber | $126 | $166 | $460 | $910 |
| 2007 Dodge Caliber | $124 | $160 | $452 | $894 |
Rates are averaged for all Dodge Caliber 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 Cheap Dodge Caliber Insurance
Getting lower rates on Dodge Caliber insurance requires being a safe and courteous driver, having a good credit history, being claim-free, and bundling your home and auto policies. Set aside time to compare rates at least every other year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief summary of the car insurance concepts covered above.
- High-risk drivers that tend to have accidents or serious violations pay on average $1,030 more each year for auto insurance
- You may be able to save as much as $100 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $200 each year
- Drivers who require higher levels of liability will pay about $500 per year to increase from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,692 |
| 20 | $2,050 |
| 30 | $900 |
| 40 | $894 |
| 50 | $820 |
| 60 | $802 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,016 |
| $250 | $960 |
| $500 | $894 |
| $1,000 | $828 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $894 |
| 50/100 | $1,008 |
| 100/300 | $1,121 |
| 250/500 | $1,415 |
| 100 CSL | $1,054 |
| 300 CSL | $1,302 |
| 500 CSL | $1,483 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,180 |
| 20 | $3,264 |
| 30 | $1,926 |
| 40 | $1,920 |
| 50 | $1,840 |
| 60 | $1,822 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $44 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $55 |
| Paid in Full/EFT | $30 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $343 |
Discounts are estimated and may not be available from every company or in every state.
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