Dodge Caliber Insurance Rates

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

Average premium for full coverage: $870

Policy rates for type of insurance:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why all drivers should compare rates quotes for a specific zip code, instead of using average rates.

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

Additional Rate Analysis

The chart below details estimated Dodge Caliber insurance rates for additional coverage choices and driver risks.

• The best discount rate is $537
• Raising to $1,000 deductibles will save about $62 annually
• The estimated price for a good driver age 40 using $500 deductibles is $870
• Using low deductibles will cost an additional $114 every year
• At-risk drivers who are prone to accidents and violations could pay at least $1,874 or more
• Policy cost that insures a teen driver can be $3,626

View Chart as Image

Car insurance rates for a Dodge Caliber also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 41% to 128% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $3,600 a year. View Rates by Age

Your home state also has a big influence on Dodge Caliber insurance prices. A middle-age driver might find rates as low as $630 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,180 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $180 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 car insurance consists of not taking risks behind the wheel, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices at every other renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The following is a brief review of the concepts that were raised in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,000 more every year for Caliber insurance
• Teens are the costliest to insure, as much as $302 each month if full coverage is purchased
• You may be able to save up to $90 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $175 each year
• You may be able to save up to $90 per year simply by quoting online in advance