Dodge Caliber Insurance Rates

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

Average premium for full coverage: $870

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below breaks down average Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The best discount rate is $537
• Using higher $1,000 deductibles will save $62 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $870
• Using pricier low deductibles for physical damage coverage costs an additional $114 every year
• Drivers who are prone to accidents and violations could pay around $1,874
• Policy cost with full coverage for a teen driver for full coverage can cost $3,626 or more

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Insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,000 to $1,500 extra every year, depending on your age. Dodge Caliber insurance for high-risk drivers can be as much as 41% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $180 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Caliber insurance prices. A driver around age 40 might see rates as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,240 on average in Louisiana, New York, and Michigan.

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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 Buy the Best Cheap Dodge Caliber Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a quick review of the concepts that were touched on above.

• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,000 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $302 each month including comprehensive and collision insurance
• You may be able to save around $90 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $175 each year
• You may be able to save around $90 per year just by quoting online well ahead of the renewal date