Dodge Caliber Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 16, 2024
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Average auto insurance rates for a Dodge Caliber are $870 annually with full coverage. Comprehensive costs an estimated $114 each year, collision costs $152, and liability coverage costs around $446. A policy with just liability insurance costs as low as $500 a year, with coverage for high-risk drivers costing around $1,874. 16-year-old drivers receive the highest rates at $3,626 a year or more.
Average premium for full coverage: $870
Rate estimates broken down by individual coverage type:
Estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Caliber models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $500 for minimum levels of liability insurance to a high rate of $1,874 for a high-risk driver policy.
Price Range by Location
Where you live has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than congested cities.
The graphic below illustrates how your location can change insurance prices.
These examples demonstrate why all drivers 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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 40-year-old driver who has $500 deductibles is $870
- Buying low deductibles for physical damage coverage will cost $984
- Higher-risk drivers with multiple tickets or accidents could pay up to $1,874 or more
- The cost with full coverage for a teenage driver can cost as much as $3,626 or more
Insurance rates for a Dodge Caliber can also vary considerably based on the trim level of your Caliber, your driving record, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $800 a year for full coverage. Rates are highest for teen drivers, 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 like to drive fast or you caused a few accidents, you may be forking out $1,000 to $1,500 additional per year, depending on your age. 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 increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $402 more each year. View Rates by Deductible or Liability Limit
Where you live 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$84 | -9.7% |
| Alaska | $668 | -$202 | -23.2% |
| Arizona | $722 | -$148 | -17.0% |
| Arkansas | $870 | -$0 | 0.0% |
| California | $992 | $122 | 14.0% |
| Colorado | $830 | -$40 | -4.6% |
| Connecticut | $896 | $26 | 3.0% |
| Delaware | $986 | $116 | 13.3% |
| Florida | $1,090 | $220 | 25.3% |
| Georgia | $804 | -$66 | -7.6% |
| Hawaii | $624 | -$246 | -28.3% |
| Idaho | $588 | -$282 | -32.4% |
| Illinois | $646 | -$224 | -25.7% |
| Indiana | $654 | -$216 | -24.8% |
| Iowa | $586 | -$284 | -32.6% |
| Kansas | $828 | -$42 | -4.8% |
| Kentucky | $1,188 | $318 | 36.6% |
| Louisiana | $1,288 | $418 | 48.0% |
| Maine | $538 | -$332 | -38.2% |
| Maryland | $716 | -$154 | -17.7% |
| Massachusetts | $696 | -$174 | -20.0% |
| Michigan | $1,512 | $642 | 73.8% |
| Minnesota | $728 | -$142 | -16.3% |
| Mississippi | $1,044 | $174 | 20.0% |
| Missouri | $770 | -$100 | -11.5% |
| Montana | $934 | $64 | 7.4% |
| Nebraska | $688 | -$182 | -20.9% |
| Nevada | $1,044 | $174 | 20.0% |
| New Hampshire | $628 | -$242 | -27.8% |
| New Jersey | $976 | $106 | 12.2% |
| New Mexico | $770 | -$100 | -11.5% |
| New York | $918 | $48 | 5.5% |
| North Carolina | $504 | -$366 | -42.1% |
| North Dakota | $714 | -$156 | -17.9% |
| Ohio | $600 | -$270 | -31.0% |
| Oklahoma | $894 | $24 | 2.8% |
| Oregon | $796 | -$74 | -8.5% |
| Pennsylvania | $830 | -$40 | -4.6% |
| Rhode Island | $1,162 | $292 | 33.6% |
| South Carolina | $790 | -$80 | -9.2% |
| South Dakota | $734 | -$136 | -15.6% |
| Tennessee | $762 | -$108 | -12.4% |
| Texas | $1,050 | $180 | 20.7% |
| Utah | $644 | -$226 | -26.0% |
| Vermont | $598 | -$272 | -31.3% |
| Virginia | $520 | -$350 | -40.2% |
| Washington | $672 | -$198 | -22.8% |
| West Virginia | $796 | -$74 | -8.5% |
| Wisconsin | $602 | -$268 | -30.8% |
| Wyoming | $776 | -$94 | -10.8% |
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $854 | $71 |
| Dodge Caliber Heat | $854 | $71 |
| Dodge Caliber SE | $854 | $71 |
| Dodge Caliber Mainstreet | $878 | $73 |
| Dodge Caliber Rush | $878 | $73 |
| Dodge Caliber SXT | $878 | $73 |
| Dodge Caliber Uptown | $878 | $73 |
| Dodge Caliber R/T | $894 | $75 |
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 | $140 | $210 | $474 | $982 |
| 2011 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2010 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2009 Dodge Caliber | $126 | $166 | $460 | $910 |
| 2008 Dodge Caliber | $124 | $160 | $452 | $894 |
| 2007 Dodge Caliber | $114 | $152 | $446 | $870 |
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 Low Cost Dodge Caliber Insurance
Saving money on auto insurance requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every time your policy renews by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The following is a review of the information illustrated above.
- You may be able to save approximately $90 per year simply by quoting online in advance
- Teens are expensive to insure, with premiums as much as $302 per month if they have full coverage
- Increasing deductibles could save up to $175 each year
- Drivers who have several accidents or serious violations pay on average $1,000 more annually for Caliber insurance
- Consumers who want higher liability limits will pay around $490 every year to increase from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,626 |
| 20 | $2,002 |
| 30 | $878 |
| 40 | $870 |
| 50 | $802 |
| 60 | $784 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $984 |
| $250 | $932 |
| $500 | $870 |
| $1,000 | $808 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $870 |
| 50/100 | $983 |
| 100/300 | $1,095 |
| 250/500 | $1,385 |
| 100 CSL | $1,028 |
| 300 CSL | $1,273 |
| 500 CSL | $1,452 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,082 |
| 20 | $3,190 |
| 30 | $1,880 |
| 40 | $1,874 |
| 50 | $1,794 |
| 60 | $1,776 |
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 | $43 |
| Multi-vehicle | $47 |
| Homeowner | $16 |
| 5-yr Accident Free | $50 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $29 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $333 |
Discounts are estimated and may not be available from every company or in every state.
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