Dodge Caliber Insurance Rates

The average auto insurance rates for a Dodge Caliber are $870 annually with full coverage. Comprehensive insurance costs an estimated $114, collision costs $152, and liability coverage costs around $446. Liability-only coverage costs as low as $500 a year, with high-risk coverage costing $1,874 or more. 16-year-old drivers cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why everyone should compare prices for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Rate Details

The chart below details estimated Dodge Caliber insurance rates for other coverage scenarios.

• The best full coverage rate is $537
• Using higher $1,000 deductibles will save approximately $62 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $870
• Buying pricier low deductibles for physical damage coverage costs an additional $114 each year
• Higher-risk drivers with multiple tickets or accidents could pay up to $1,874 or more
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $3,626 or more

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Insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $3,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,000 to $1,500 additional every year, depending on your age. Dodge Caliber insurance for high-risk drivers can be around 41% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $180 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see rates as low as $630 a year in states like Utah, Ohio, and New Hampshire, or at least $1,180 on average in New York, Michigan, and Florida.

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Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and 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 the Best Dodge Caliber Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the information covered in the above illustrations.

• You may be able to save approximately $90 per year simply by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers are expensive to insure, as much as $302 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $175 each year
• Drivers who tend to receive serious violations pay on average $1,000 more annually than a driver with a clean driving record
• Consumers who want additional liability coverage will pay around $490 every year to increase from a 30/60 limit to higher 250/500 limits