Dodge Caliber Insurance Rates

The average insurance prices for a Dodge Caliber are $870 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $114, collision costs $152, and liability is estimated at $446. A liability-only policy costs approximately $500 a year, with high-risk insurance costing $1,874 or more. Teen drivers cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of using price averages.

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 lowest rate with discounts is $537
• Choosing higher $1,000 deductibles can save approximately $62 each year
• The average price for a good driver age 40 who has $500 deductibles is $870
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $114 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $1,874 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $3,626 each year

View Chart as Image

Car insurance rates for a Dodge Caliber also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles can save as much as $180 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $3,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,000 to $1,500 extra every year, depending on your age. High-risk driver insurance ranges as much as 41% to 128% more than average. View High Risk Driver Rates

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

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes 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 Shop for the Right Dodge Caliber Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, maintaining a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the information presented in the illustrations above.

• It is possible to save approximately $90 per year simply by shopping early and online
• Teenagers have the highest car insurance rates, possibly costing $302 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $175 each year
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,000 more annually for car insurance
• Policyholders who want higher liability limits will pay about $490 annually to raise limits from a 30/60 limit to a 250/500 level