Dodge Caliber Insurance Rates

The average insurance prices for a Dodge Caliber are $870 every 12 months for full coverage. Comprehensive costs around $114 a year, collision insurance costs $152, and liability insurance costs $446. A liability-only policy costs as little as $500 a year, and high-risk insurance costs around $1,874. Teen drivers cost the most to insure at up to $3,626 a year.

Average premium for full coverage: $870

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and their own driving history, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below shows average Dodge Caliber insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $537
• Drivers who choose higher $1,000 deductibles will pay about $808 a year
• The average price for a good driver age 40 using $500 deductibles is $870
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $984
• High risk drivers with multiple violations and an at-fault accident could pay at least $1,874
• Policy cost to insure a teen driver can be $3,626 a year

View Chart as Image

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

Choosing high deductibles could save up to $180 each year, while buying higher liability limits will increase rates. Going 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

Older drivers with no driving violations and higher deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $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 could be paying at least $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 128% more than average. View High Risk Driver Rates

Your home state makes a big difference in Dodge Caliber insurance rates. A 40-year-old driver could pay as low as $580 a year in states like Idaho, Maine, and Iowa, or as much as $1,240 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Cheaper Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance not only requires being a good driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates once a year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a condensed summary of the data that was covered in the above illustrations.

• Drivers can save up to $90 per year just by quoting early and online
• Drivers who may need an increased level of liability coverage will pay about $490 each year to go from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing up to $302 each month if the policy includes full coverage
• High-risk drivers with multiple at-fault accidents may pay on average $1,000 more every year than a safer driver