Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year including full coverage. Comprehensive costs on average $114 each year, collision costs $152, and liability insurance is $446. A liability-only policy costs around $500 a year, with high-risk insurance costing around $1,874. Teens cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on averaged prices.

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 different risk profiles and scenarios.

• The cheapest rate after discounts is $537
• Raising to $1,000 deductibles will save around $62 every year
• The average rate for a good driver age 40 with $500 deductibles is $870
• Selecting low deductibles will increase the cost to $984
• Higher-risk drivers with serious driving violations could pay upwards of $1,874 or more
• Policy cost for full coverage for a teen driver may cost $3,626

View Chart as Image

Car insurance rates for a Dodge Caliber also range considerably based on your risk profile, the model of your Caliber, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $3,600 a year. View Rates by Age

Your home state also has a big influence on Dodge Caliber insurance rates. A middle-age driver might find rates as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,240 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $180 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 128% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, so rate quotes will be varied 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 Affordable Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the concepts that were covered in the above illustrations.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,000 more each year to buy Dodge Caliber insurance
• Drivers age 20 and younger are expensive to insure, with premiums being up to $302 each month if full coverage is included
• You may be able to save as much as $90 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $175 each year
• You may be able to save as much as $90 per year simply by quoting online in advance