Dodge Caliber Insurance Rates

U.S. average insurance rates for a Dodge Caliber are $870 a year for full coverage insurance. Comprehensive insurance costs approximately $114 each 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 $1,874 or more. Teenage drivers pay the highest rates at $3,626 a year or more.

Average premium for full coverage: $870

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Caliber models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

The ranges above illustrate why all drivers should get quotes using their specific location and risk profile, rather than relying on average rates.

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

More Rate Details

The chart below illustrates estimated Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The best discount rate is $537
• Choosing higher $1,000 deductibles can save $62 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $870
• Using low deductibles for comp and collision coverage will cost an extra $114 a year
• High-risk insureds who are prone to accidents and violations could pay around $1,874 or more
• The price for full coverage for a teen driver can cost $3,626 each year

View Chart as Image

Insurance prices for a Dodge Caliber are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age

The state you live in 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, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,000 to $1,500 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 128% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 Cheapest Dodge Caliber Insurance

Getting lower rates on Dodge Caliber insurance takes being a good driver, having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a recap of the data touched on in the above illustrations.

• Drivers who purchase an increased level of liability coverage will pay an extra $490 annually to raise limits from a low limit to 250/500 limits
• It is possible to save around $90 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $175 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $302 a month including comprehensive and collision insurance