Dodge Caliber Insurance Rates

Estimated auto insurance rates for a Dodge Caliber are $870 annually with full coverage. Comprehensive insurance costs an estimated $114 a year, collision costs $152, and liability costs $446. A policy with only liability insurance costs as little as $500 a year, with a high-risk policy costing $1,874 or more. Teenage drivers pay the most at $3,626 a year or more.

Average premium for full coverage: $870

Premium estimates broken down by type of coverage:

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Caliber trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

These rate differences demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $537
• Drivers who choose higher $1,000 deductibles will pay approximately $808 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $870
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $114 annually
• Drivers who are prone to accidents and violations could pay up to $1,874 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $3,626 a year

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Car insurance prices for a Dodge Caliber also have a wide range based on the model of your Caliber, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $3,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,000 to $1,500 extra annually, depending on your age. A high-risk auto insurance policy can cost from 41% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $180 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Caliber insurance prices. A 40-year-old driver could pay as low as $630 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,180 on average in New York, Michigan, and Florida.

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With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially different 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 More Affordable Dodge Caliber Insurance

Finding better rates on insurance for a Dodge Caliber not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and not having any coverage lapses. Spend time shopping around every time your policy renews by obtaining price quotes from direct companies, and also from several local insurance agents.

Below is a summary of the information touched on above.

• You may be able to save approximately $90 per year simply by quoting early and online
• Teenage drivers have the highest car insurance prices, possibly costing $302 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $175 each year
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,000 more annually for auto insurance
• Insureds who want higher levels of liability will pay an extra $490 every year to go from 30/60 bodily injury limits to higher 250/500 limits