Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $894 a year including full coverage. Comprehensive costs approximately $124 a year, collision insurance costs $160, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs around $1,920. Teen drivers cost the most to insure at up to $3,692 a year.

Average premium for full coverage: $894

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location, rather than using price averages.

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

Additional Rate Information

The chart below breaks down average Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $551
• Drivers who choose higher $1,000 deductibles will pay $828 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $894
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,016
• High-risk insureds with multiple violations and an at-fault accident could pay around $1,920
• Policy cost that insures a teenage driver can cost $3,692 a year

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,100 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 41% to 137% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,600 a year. View Rates by Age

Your home state makes a big difference in Dodge Caliber insurance rates. A 40-year-old driver could pay as low as $690 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,280 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $190 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

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 the Best Cheap Dodge Caliber Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Shop around once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a quick review of the data that was covered in the charts and tables above.

• You may be able to save around $100 per year just by quoting early and online
• Consumers who purchase higher levels of liability will pay about $500 per year to go from a 30/60 limit to the 250/500 level
• Teenage drivers have the highest car insurance rates, with premiums being up to $308 each month if the policy includes full coverage
• Drivers with a DUI or reckless driving violation will likely pay on average $1,030 more per year for auto insurance