Dodge Caliber Insurance Rates

Average insurance prices for a Dodge Caliber are $870 every 12 months including full coverage. Comprehensive costs around $114 each year, collision costs $152, and liability is estimated at $446. A policy with just liability insurance costs approximately $500 a year, with coverage 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 for individual coverage type:

Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Caliber models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code and their own driving history, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $537
• Choosing higher $1,000 deductibles can save about $62 every year
• The average price for a 40-year-old driver using $500 deductibles is $870
• Using low deductibles for comp and collision coverage increases the price to $984
• Unlucky drivers who are prone to accidents and violations could pay at least $1,874 or more
• The cost to insure a teen driver can be $3,626 each year

View Chart as Image

Insurance rates for a Dodge Caliber can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can save as much as $180 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $402 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $3,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,000 to $1,500 additional per year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 128% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Dodge Caliber insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,240 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and 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 Shop for the Cheapest Dodge Caliber Insurance

Saving money on car insurance takes being a low-risk driver, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a recap of the ideas that were covered in the charts and tables above.

• Teen drivers are charged the highest rates, as much as $302 per month if full coverage is included
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,000 more every year to insure their Caliber
• Increasing deductibles could save as much as $175 each year
• You may be able to save up to $90 per year simply by quoting online in advance