Dodge Caliber Insurance Rates

Average insurance rates for a Dodge Caliber are $870 a year for full coverage insurance. Comprehensive costs an estimated $114 a year, collision costs $152, and liability insurance is estimated at $446. Buying just liability costs approximately $500 a year, with insurance for high-risk drivers costing around $1,874. Teenage 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:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Caliber trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

These examples illustrate why it is important to get quotes for a targeted area, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $537
• Choosing higher $1,000 deductibles can save approximately $808 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $870
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $984
• High-risk insureds who are prone to accidents and violations could pay up to $1,874 or more
• The cost that insures a teen driver can cost as much as $3,626 each year

View Chart as Image

Auto insurance rates for a Dodge Caliber can also vary considerably based on the trim level of your Caliber, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,000 to $1,500 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $3,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Caliber insurance rates. A good driver about age 40 could pay as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,180 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $180 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $402 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.

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 Cheap Dodge Caliber Insurance

Saving money on Dodge Caliber insurance takes being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief summary of the data that was presented in the illustrations above.

• It is possible to save approximately $90 per year simply by quoting early and online
• Drivers who want an increased level of liability coverage will pay an extra $490 annually to raise limits from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing up to $302 per month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,000 more annually than a safer driver