Dodge Caliber Insurance Rates
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Michelle Robbins
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UPDATED: Apr 16, 2024
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U.S. average insurance rates for a Dodge Caliber are $870 a year including full coverage. Comprehensive insurance costs approximately $114, collision insurance costs $152, and liability is $446. A policy with just liability insurance costs around $500 a year, and coverage for high-risk drivers costs $1,874 or more. Teenage drivers pay the highest rates at up to $3,626 a year.
Average premium for full coverage: $870
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Caliber models.
Price Range from Low to High
For a driver in their 40's, Dodge Caliber insurance prices range from the low end price of $500 for just liability insurance to the much higher price of $1,874 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance prices.
The ranges above highlight why everyone should compare rates quotes using their specific location, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down average Dodge Caliber insurance rates for additional coverage and risk scenarios.
- The best discount rate is $537
- Raising to $1,000 deductibles will save $62 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $870
- Using pricier low deductibles will cost an additional $114 annually
- Drivers who are prone to accidents and violations could pay around $1,874
- The price that insures a 16-year-old driver for full coverage can cost $3,626
Insurance prices for a Dodge Caliber are also quite variable based on the model of your Caliber, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,000 to $1,500 extra each year, depending on your age. Dodge Caliber insurance for high-risk drivers is expensive and can cost from 41% to 128% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,600 a year. View Rates by Age
The state you live in also has a big influence on Dodge Caliber insurance prices. A middle-age driver might find prices 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$84 | -9.7% |
| Alaska | $668 | -$202 | -23.2% |
| Arizona | $722 | -$148 | -17.0% |
| Arkansas | $870 | -$0 | 0.0% |
| California | $992 | $122 | 14.0% |
| Colorado | $830 | -$40 | -4.6% |
| Connecticut | $896 | $26 | 3.0% |
| Delaware | $986 | $116 | 13.3% |
| Florida | $1,090 | $220 | 25.3% |
| Georgia | $804 | -$66 | -7.6% |
| Hawaii | $624 | -$246 | -28.3% |
| Idaho | $588 | -$282 | -32.4% |
| Illinois | $646 | -$224 | -25.7% |
| Indiana | $654 | -$216 | -24.8% |
| Iowa | $586 | -$284 | -32.6% |
| Kansas | $828 | -$42 | -4.8% |
| Kentucky | $1,188 | $318 | 36.6% |
| Louisiana | $1,288 | $418 | 48.0% |
| Maine | $538 | -$332 | -38.2% |
| Maryland | $716 | -$154 | -17.7% |
| Massachusetts | $696 | -$174 | -20.0% |
| Michigan | $1,512 | $642 | 73.8% |
| Minnesota | $728 | -$142 | -16.3% |
| Mississippi | $1,044 | $174 | 20.0% |
| Missouri | $770 | -$100 | -11.5% |
| Montana | $934 | $64 | 7.4% |
| Nebraska | $688 | -$182 | -20.9% |
| Nevada | $1,044 | $174 | 20.0% |
| New Hampshire | $628 | -$242 | -27.8% |
| New Jersey | $976 | $106 | 12.2% |
| New Mexico | $770 | -$100 | -11.5% |
| New York | $918 | $48 | 5.5% |
| North Carolina | $504 | -$366 | -42.1% |
| North Dakota | $714 | -$156 | -17.9% |
| Ohio | $600 | -$270 | -31.0% |
| Oklahoma | $894 | $24 | 2.8% |
| Oregon | $796 | -$74 | -8.5% |
| Pennsylvania | $830 | -$40 | -4.6% |
| Rhode Island | $1,162 | $292 | 33.6% |
| South Carolina | $790 | -$80 | -9.2% |
| South Dakota | $734 | -$136 | -15.6% |
| Tennessee | $762 | -$108 | -12.4% |
| Texas | $1,050 | $180 | 20.7% |
| Utah | $644 | -$226 | -26.0% |
| Vermont | $598 | -$272 | -31.3% |
| Virginia | $520 | -$350 | -40.2% |
| Washington | $672 | -$198 | -22.8% |
| West Virginia | $796 | -$74 | -8.5% |
| Wisconsin | $602 | -$268 | -30.8% |
| Wyoming | $776 | -$94 | -10.8% |
Using high physical damage deductibles can reduce prices by up to $180 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $402 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $854 | $71 |
| Dodge Caliber Heat | $854 | $71 |
| Dodge Caliber SE | $854 | $71 |
| Dodge Caliber Mainstreet | $878 | $73 |
| Dodge Caliber Rush | $878 | $73 |
| Dodge Caliber SXT | $878 | $73 |
| Dodge Caliber Uptown | $878 | $73 |
| Dodge Caliber R/T | $894 | $75 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2011 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2010 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2009 Dodge Caliber | $126 | $166 | $460 | $910 |
| 2008 Dodge Caliber | $124 | $160 | $452 | $894 |
| 2007 Dodge Caliber | $114 | $152 | $446 | $870 |
Rates are averaged for all Dodge Caliber models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Dodge Caliber Insurance
Getting lower rates on insurance for a Dodge Caliber consists of avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Compare prices every other policy renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
The list below is a quick review of the ideas that were covered in the charts and tables above.
- Teenagers are expensive to insure, possibly costing $302 a month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation will likely pay on average $1,000 more per year for car insurance
- Increasing physical damage deductibles can save approximately $175 each year
- You may be able to save around $90 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,626 |
| 20 | $2,002 |
| 30 | $878 |
| 40 | $870 |
| 50 | $802 |
| 60 | $784 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $984 |
| $250 | $932 |
| $500 | $870 |
| $1,000 | $808 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $870 |
| 50/100 | $983 |
| 100/300 | $1,095 |
| 250/500 | $1,385 |
| 100 CSL | $1,028 |
| 300 CSL | $1,273 |
| 500 CSL | $1,452 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,082 |
| 20 | $3,190 |
| 30 | $1,880 |
| 40 | $1,874 |
| 50 | $1,794 |
| 60 | $1,776 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $47 |
| Homeowner | $16 |
| 5-yr Accident Free | $50 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $29 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $333 |
Discounts are estimated and may not be available from every company or in every state.
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