Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year with full coverage. Comprehensive costs around $114 each year, collision costs $152, and liability costs around $446. Buying just liability costs as low as $500 a year, with insurance for high-risk drivers costing around $1,874. Teens cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below details estimated Dodge Caliber insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $537
• Using higher $1,000 deductibles will save about $62 annually
• The estimated price for a good driver age 40 using $500 deductibles is $870
• Selecting low deductibles for physical damage coverage bumps up the cost to $984
• High-risk insureds with serious driving violations could pay at least $1,874 or more
• Policy cost that insures a 16-year-old driver can be $3,626 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can be from 41% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $3,600 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $180 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, so the rates will be varied.

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 Cheaper Dodge Caliber Insurance

Finding cheaper rates on insurance for a Dodge Caliber requires having a good driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates at every other renewal by quoting rates from direct companies, and also from your local independent and exclusive agents.

The next list is a condensed summary of the concepts that were covered above.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,000 more every year to buy Dodge Caliber insurance
• Drivers age 20 and younger pay higher rates, as much as $302 each month if full coverage is included
• You may be able to save up to $90 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $175 each year
• You may be able to save up to $90 per year simply by quoting online in advance